# RESOURCE FINANCIAL SERVICES, INC.

> **Canonical URL:** https://saferate.com/lenders/resource-financial-services

> **📋 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 😀
- 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

## Safe Rate Awards 🏆

- ⭐ **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 😀 |
| FHA | 76/100 | 191 | +0.681% | $2,672 | Strong 😀 |
| VA | 78/100 | 197 | -0.147% | $1,706 | Strong 😀 |
| USDA | 72/100 | 14 | +0.223% | $1,903 | Strong 😀 |

### 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 😀 |
| 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 |

## 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.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**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

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