Safe Rate Rankings

Best VA 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,148Fees	0.003%Below	210
2	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	Sound	$907Fees	0.043%Above	17
3	Ameris BankBank	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,923Fees	0.092%Above	108
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,060Fees	0.505%Below	101
5	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$4,854Fees	0.232%Below	44
6	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,964Fees	0.407%Above	583
7	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,117Fees	0.323%Above	95
8	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,665Fees	0.294%Above	64
9	Gateway First BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,273Fees	0.410%Above	164
10	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,601Fees	0.466%Above	79
11	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,787Fees	0.034%Below	43
12	GMFS LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,453Fees	0.285%Above	26
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,212Fees	0.172%Above	251
14	SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,490Fees	0.004%Below	46
15	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$1,909Fees	0.326%Above	22
16	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$1,234Fees	0.157%Below	18
17	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,640Fees	0.097%Below	29
18	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,627Fees	0.241%Above	28
19	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,231Fees	0.503%Above	75
20	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,500Fees	0.406%Above	34
21	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$1,681Fees	0.557%Above	25

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.