Safe Rate Rankings

Best Conventional Mortgage Lenders in Hilton Head Island

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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%

Hilton Head Island Market Insights

Navy Federal Credit Union is Safe Rate's top-ranked Conventional lender in Hilton Head Island, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Hilton Head Island, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in Hilton Head Island, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Hilton Head Island: Rocket Mortgage (#4) and Movement Mortgage (#2).

Explore Rankings by Type

Overall Rankings

All lenders in Hilton Head Island

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$1,060Fees	0.505%Below	101
2	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,964Fees	0.407%Above	583
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,148Fees	0.003%Below	210
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,212Fees	0.172%Above	251
5	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$39Fees	0.134%Above	58
6	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,038Fees	0.087%Below	90
7	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$841Fees	0.113%Below	50
8	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	Sound	$367Fees	0.406%Below	34
9	Ameris Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$2,923Fees	0.092%Above	108
10	SouthState Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,847Fees	0.263%Above	102
11	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,445Fees	0.014%Above	24
12	Gateway First Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,273Fees	0.410%Above	164
13	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,601Fees	0.466%Above	79
14	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,768Fees	0.005%Below	59
15	GMFS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Exceptional	Sound	$2,453Fees	0.285%Above	26
16	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,117Fees	0.323%Above	95
17	First Heritage Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Sound	$1,734Fees	0.285%Above	28
18	PNC Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,501Fees	0.156%Above	13
19	First National Bank of Pennsylvania BankDirect	Strong	Strong	Exceptional	Strong	Sound	$715Fees	0.231%Above	12
20	TD Bank, National Association BankDirect	Strong	Sound	Strong	Sound	Exceptional	$647Credit	0.135%Above	140
21	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,080Fees	0.488%Above	101
22	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Sound	$293Credit	0.009%Below	19
23	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,231Fees	0.503%Above	75
24	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,153Fees	0.447%Above	69
25	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,627Fees	0.241%Above	28
26	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$4,854Fees	0.232%Below	44
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,638Fees	0.371%Above	40
28	First-Citizens Bank & Trust Company BankDirect	Strong	Sound	Strong	Sound	Strong	$1,319Fees	0.026%Above	39
29	Fifth Third Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$1,019Fees	0.070%Below	23
30	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,665Fees	0.294%Above	64
31	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,047Fees	0.362%Above	29
32	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$1,909Fees	0.326%Above	22
33	EQUITY RESOURCES, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Sound	$4,956Fees	0.458%Above	22
34	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$2,640Fees	0.097%Below	29
35	Bethpage Federal Credit Union Credit UnionDirect & Wholesale	Strong	Strong*	Strong	Sound	Sound	$733Fees	0.280%Below	19
36	JET HOMELOANS, LP Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Sound	$2,987Fees	0.202%Above	23
37	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,192Fees	0.540%Above	22
38	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,001Fees	0.322%Above	18
39	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,711Fees	0.344%Above	11
40	Synovus Bank BankDirect	Sound	Sound	Strong	Strong	Sound	$1,042Fees	0.033%Below	15
41	Capital City Home Loans, LLC Independent Mortgage CompanyDirect	Sound	Sound	Strong	Strong	Sound	$1,856Fees	0.633%Above	13
42	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Strong	Acceptable	$576Fees	0.351%Above	10
43	Charles Schwab Bank, SSB BankWholesale	Sound	Sound*	Strong	Strong	Sound	$846Fees	0.160%Below	13
44	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Sound	$2,787Fees	0.034%Below	43
45	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$2,500Fees	0.406%Above	34
46	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$1,681Fees	0.557%Above	25
47	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Sound	$2,883Fees	0.580%Above	18
48	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,021Fees	0.325%Above	14
49	Plains Commerce Bank BankWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,816Fees	0.123%Below	11
50	Regions Bank BankDirect	Sound	Acceptable	Exceptional	Strong	Acceptable	$3,512Fees	0.228%Above	10

❓ Frequently Asked Questions

How are mortgage lenders ranked in Hilton Head Island?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Hilton Head Island), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Hilton Head Island?+

Based on 2024 HMDA data, 70 lenders originated a combined 3,982 loans in Hilton Head Island. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Hilton Head Island?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Hilton Head Island is 0.17%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Hilton Head Island's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.