Safe Rate Rankings

Best Conventional Mortgage Lenders in Hilton Head Island

Updated May 23, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders70

Total Loans3,982

Median Rate Spread0.17%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,060Fees	0.505%Below	101
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$39Fees	0.134%Above	58
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$841Fees	0.113%Below	50
4	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,768Fees	0.005%Below	59
5	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$367Fees	0.406%Below	34
6	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,445Fees	0.014%Above	24
7	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$293Credit	0.009%Below	19
8	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,501Fees	0.156%Above	13
9	First National Bank of PennsylvaniaBank	Exceptional	Strong	Exceptional	Strong	Sound	$715Fees	0.231%Above	12
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,212Fees	0.172%Above	251
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,148Fees	0.003%Below	210
12	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,923Fees	0.092%Above	108
13	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,847Fees	0.263%Above	102
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,038Fees	0.087%Below	90
15	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,601Fees	0.466%Above	79
16	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,854Fees	0.232%Below	44
17	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$1,734Fees	0.285%Above	28
18	GMFS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,453Fees	0.285%Above	26
19	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,019Fees	0.070%Below	23
20	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,964Fees	0.407%Above	583
21	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,273Fees	0.410%Above	164
22	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Exceptional	$647Credit	0.135%Above	140
23	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,665Fees	0.294%Above	64
24	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,640Fees	0.097%Below	29
25	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,627Fees	0.241%Above	28
26	Bethpage Federal Credit UnionCredit Union	Strong	Strong	Strong	Sound	Sound	$733Fees	0.280%Below	19
27	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,080Fees	0.488%Above	101
28	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,117Fees	0.323%Above	95
29	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,231Fees	0.503%Above	75
30	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,153Fees	0.447%Above	69
31	First-Citizens Bank & Trust CompanyBank	Strong	Sound	Strong	Sound	Strong	$1,319Fees	0.026%Above	39
32	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,987Fees	0.202%Above	23
33	EQUITY RESOURCES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$4,956Fees	0.458%Above	22
34	Synovus BankBank	Strong	Sound	Strong	Strong	Sound	$1,042Fees	0.033%Below	15
35	Capital City Home Loans, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,856Fees	0.633%Above	13
36	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Sound	$846Fees	0.160%Below	13
37	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,787Fees	0.034%Below	43
38	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,638Fees	0.371%Above	40
39	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,500Fees	0.406%Above	34
40	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,047Fees	0.362%Above	29
41	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,192Fees	0.540%Above	22
42	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,909Fees	0.326%Above	22
43	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,001Fees	0.322%Above	18
44	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,021Fees	0.325%Above	14
45	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$4,816Fees	0.123%Below	11
46	United Community BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,498Fees	0.399%Above	11
47	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,711Fees	0.344%Above	11
48	SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,490Fees	0.004%Below	46
49	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,681Fees	0.557%Above	25
50	Presidential Bank, FSBBank	Strong	Acceptable	Strong	Strong	Sound	$4,347Fees	0.297%Above	11

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.