# RESOURCE FINANCIAL SERVICES, INC. > **Canonical URL:** https://saferate.com/lenders/resource-financial-services > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible RESOURCE FINANCIAL SERVICES, INC. is a independent mortgage company, headquartered in COLUMBIA, SC, serving borrowers across 9 states, with 840 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 59% of lenders for competitive rates - **Approval Rate:** Ranks in the top 20% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 549300916KMYQ118CX89 - **Headquarters:** COLUMBIA, SC - **Geographic Reach:** Multi-Region - **States Served:** 9 - **State List:** AL, FL, GA, MS, NC, SC, TN, TX, VA - **Markets (MSAs):** 11 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 41/100 - Rating: ●●●○○ (3/5) ### Pull Through: Strong πŸ˜€ - Score: 80/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.283% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $2,231 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 840 - **Dollar Volume:** $241 million - **Applications Received:** 1,094 - **Market Share:** 2.00% ## Typical Borrower Profile - **Average Loan Amount:** $287,357 - **Average Borrower Income:** $118,411 - **Average Property Value:** $356,369 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (63%) - ⭐ **VA Gold Superstar** (70%) - ⭐ **Purchase Gold Superstar** (63%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 64/100 | 436 | +0.264% | $2,232 | Strong πŸ˜€ | | FHA | 76/100 | 191 | +0.681% | $2,672 | Strong πŸ˜€ | | VA | 78/100 | 197 | -0.147% | $1,706 | Strong πŸ˜€ | | USDA | 72/100 | 14 | +0.223% | $1,903 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 385 loans, Score: 65/100 (Strong) - Refinance: 51 loans, Score: 54/100 (Sound) **FHA:** - Purchase: 183 loans, Score: 76/100 (Strong) **VA:** - Purchase: 192 loans, Score: 78/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 74/100 | 776 | $220M | +0.290% | Strong πŸ˜€ | | Refinance | 54/100 | 64 | $21M | +0.207% | Sound ☺️ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | SC | 695 | 0.87% | 91/100 | | NC | 100 | 0.07% | 60/100 | | FL | 33 | 0.01% | 45/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Columbia, SC | SC | 384 | 97/100 | | Non | | 93 | 50/100 | | Sumter, SC | SC | 74 | 88/100 | | Charleston | SC | 55 | 66/100 | | Florence, SC | SC | 42 | 76/100 | | Raleigh | NC | 35 | 56/100 | | Greenville | SC | 28 | 56/100 | | Jacksonville, FL | FL | 26 | 52/100 | | Wilmington, NC | NC | 22 | 54/100 | | Spartanburg, SC | SC | 19 | 52/100 | | Charlotte | NC-SC | 13 | 42/100 | ## Where This Lender Ranks RESOURCE FINANCIAL SERVICES, INC. appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‡ **#1** in Florence, SC for USDA Loans - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/usda-loans) - πŸ₯‡ **#1** in Florence, SC for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/mortgage-companies/usda-loans) - πŸ₯ˆ **#2** in Sumter, SC Mortgage Companies - [View Full Rankings](https://saferate.com/sumter-sc/best-mortgage-lenders/mortgage-companies) - πŸ₯‰ **#3** in Sumter, SC for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/sumter-sc/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ₯‰ **#3** in Sumter, SC for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/sumter-sc/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#4** in Sumter, SC - [View Full Rankings](https://saferate.com/sumter-sc/best-mortgage-lenders) - πŸ† **#5** in Columbia, SC Mortgage Companies - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/mortgage-companies) - πŸ† **#5** in Columbia, SC for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#5** in Sumter, SC for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/sumter-sc/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#5** in Sumter, SC for VA Loans - [View Full Rankings](https://saferate.com/sumter-sc/best-mortgage-lenders/va-loans) - πŸ† **#6** in Sumter, SC for Conventional Loans - [View Full Rankings](https://saferate.com/sumter-sc/best-mortgage-lenders/conventional-loans) - πŸ† **#6** in Florence, SC for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#7** in Sumter, SC for FHA Loans - [View Full Rankings](https://saferate.com/sumter-sc/best-mortgage-lenders/fha-loans) - πŸ† **#7** in Florence, SC Mortgage Companies - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/mortgage-companies) - πŸ† **#7** in Florence, SC for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#8** in Florence, SC for VA Loans - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/va-loans) - πŸ† **#9** in South Carolina for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#10** in Columbia, SC for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#10** in Florence, SC - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders) - πŸ† **#11** in South Carolina Mortgage Companies - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/mortgage-companies) ## Frequently Asked Questions ### What loan types does RESOURCE FINANCIAL SERVICES, INC. offer? RESOURCE FINANCIAL SERVICES, INC. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does RESOURCE FINANCIAL SERVICES, INC. offer mortgages? RESOURCE FINANCIAL SERVICES, INC. offers mortgages in 9 states: AL, FL, GA, MS, NC, SC, TN, TX, VA. ### How competitive are RESOURCE FINANCIAL SERVICES, INC.'s mortgage rates? RESOURCE FINANCIAL SERVICES, INC. has a pricing score of 41/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.283% above market average. ### What type of lender is RESOURCE FINANCIAL SERVICES, INC.? RESOURCE FINANCIAL SERVICES, INC. is a non-depository lender that specializes in mortgage origination, headquartered in COLUMBIA, SC. ### What is RESOURCE FINANCIAL SERVICES, INC.'s loan approval success rate? RESOURCE FINANCIAL SERVICES, INC. has a pull-through score of 80/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/resource-financial-services ### How to Cite > "RESOURCE FINANCIAL SERVICES, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/resource-financial-services --- **[View Interactive Profile β†’](https://saferate.com/lenders/resource-financial-services)**