# Best Mortgage Lenders in Myrtle Beach

**As of:** 2026-06-04

Compare the top mortgage lenders in Myrtle Beach. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/local/myrtle-beach/best-mortgage-lenders


> **📋 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


## Market Statistics

- **Total Lenders:** 112
- **Total Loans:** 8,420
- **Median Rate Spread:** 0.34854205607476635%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [VELOCIO MORTGAGE L.L.C.](https://saferate.com/lenders/velocio-mortgage) | 83 | 96 | 85 | 67 | $734 | -1.117% | 76 | Independent Mortgage Company | Direct | — |
| 2 | [NATION ONE MORTGAGE CORPORATION](https://saferate.com/lenders/nation-one-mortgage) | 74 | 61 | 94 | 68 | N/A | N/A | 69 | Independent Mortgage Company | Direct | — |
| 3 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 72 | 41 | 93 | 83 | $3250 | 0.203% | 326 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 4 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | 72 | 93 | 60 | 64 | $1206 | -0.556% | 75 | Credit Union | Direct | — |
| 5 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 71 | 29 | 95 | 91 | $4182 | 0.305% | 599 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 6 | [VANDERBILT MORTGAGE AND FINANCE, INC.](https://saferate.com/lenders/vanderbilt-mortgage-and-finance) | 71 | 51 | 82 | 81 | $2565 | -0.114% | 209 | Independent Mortgage Company | Direct | — |
| 7 | [FBC MORTGAGE, LLC](https://saferate.com/lenders/fbc-mortgage) | 71 | 60 | 83 | 69 | $1852 | -0.577% | 93 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Fbc Mortgage directly or with a mortgage broker. |
| 8 | [STATE EMPLOYEES'](https://saferate.com/lenders/state-employees) | 70 | 73 | 74 | 64 | $2095 | -0.617% | 70 | Credit Union | Direct | — |
| 9 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | 70 | 73 | 75 | 62 | $1598 | 0.208% | 63 | Bank | Direct | — |
| 10 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 69 | 48 | 76 | 84 | $3336 | -0.118% | 337 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 11 | [JET HOMELOANS, LP](https://saferate.com/lenders/jet-homeloans-lp) | 68 | 71 | 77 | 56 | $2045 | -0.215% | 33 | Independent Mortgage Company | Direct | — |
| 12 | [Truist Bank](https://saferate.com/lenders/truist-bank) | 67 | 70 | 68 | 64 | $716 | 0.114% | 70 | Bank | Direct | — |
| 13 | [First Reliance Bank](https://saferate.com/lenders/first-reliance-bank) | 67 | 62 | 73 | 68 | $2456 | 0.194% | 63 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with First Reliance Bank directly or with a mortgage broker. |
| 14 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 66 | 32 | 84 | 81 | $2706 | 0.477% | 267 | Independent Mortgage Company | Direct | — |
| 15 | [T2 FINANCIAL LLC](https://saferate.com/lenders/t2-financial) | 65 | 26 | 86 | 83 | $4161 | 0.726% | 244 | Independent Mortgage Company | Direct | — |
| 16 | [Ameris Bank](https://saferate.com/lenders/ameris-bank) | 65 | 42 | 82 | 71 | $2800 | 0.524% | 111 | Bank | Direct | — |
| 17 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | 63 | 63 | 59 | 68 | $1944 | 0.149% | 99 | Bank | Direct | — |
| 18 | [SouthState Bank, National Association](https://saferate.com/lenders/southstate-bank-national-association) | 63 | 49 | 73 | 67 | $1955 | 0.291% | 76 | Bank | Direct | — |
| 19 | [TIDEWATER MORTGAGE SERVICES, INC.](https://saferate.com/lenders/tidewater-mortgage-services) | 62 | 30 | 73 | 84 | $3545 | 0.235% | 188 | Independent Mortgage Company | Direct | — |
| 20 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 62 | 24 | 85 | 76 | $2834 | 0.614% | 185 | Independent Mortgage Company | Direct | — |
| 21 | [Gateway First Bank](https://saferate.com/lenders/gateway-first-bank) | 62 | 29 | 79 | 78 | $2488 | 0.686% | 169 | Bank | Direct | — |
| 22 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 62 | 33 | 81 | 71 | $2972 | 0.374% | 125 | Independent Mortgage Company | Direct | — |
| 23 | [First-Citizens Bank & Trust Company](https://saferate.com/lenders/first-citizens-bank-trust) | 62 | 60 | 62 | 64 | $1328 | -0.026% | 61 | Bank | Direct | — |
| 24 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | 62 | 71 | 61 | 55 | $1019 | 0.235% | 36 | Bank | Direct | — |
| 25 | [First National Bank of Pennsylvania](https://saferate.com/lenders/first-national-bank-of-pennsylvania) | 62 | 60 | 71 | 56 | $1532 | 0.077% | 35 | Bank | Direct | — |
| 26 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 61 | 41 | 69 | 74 | $2665 | 0.299% | 157 | Independent Mortgage Company | Direct | — |
| 27 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | 61 | 55 | 67 | 61 | $2452 | -0.001% | 58 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Freedom Mortgage Corporation directly or with a mortgage broker. |
| 28 | [Alcova Mortgage LLC](https://saferate.com/lenders/alcova-mortgage) | 61 | 32 | 90 | 61 | $3176 | 0.600% | 52 | Independent Mortgage Company | Direct | — |
| 29 | [United Bank](https://saferate.com/lenders/united-bank-va) | 61 | 54 | 76 | 54 | $2643 | 0.234% | 29 | Bank | Direct | — |
| 30 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | 60 | 40 | 76 | 66 | $2607 | 0.446% | 83 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with Flagstar Bank, N.A. directly or with a mortgage broker. |
| 31 | [ATLANTIC BAY MORTGAGE GROUP, L.L.C.](https://saferate.com/lenders/atlantic-bay-mortgage-group) | 60 | 25 | 90 | 65 | $3821 | 0.708% | 71 | Independent Mortgage Company | Direct | — |
| 32 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 60 | 49 | 70 | 59 | $2467 | 0.314% | 53 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 33 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 59 | 25 | 83 | 68 | $3474 | 0.462% | 101 | Independent Mortgage Company | Direct | — |
| 34 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 59 | 56 | 63 | 58 | $2735 | 0.114% | 46 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 35 | [FIRST COLONY MORTGAGE CORPORATION](https://saferate.com/lenders/first-colony-mortgage) | 59 | 42 | 84 | 50 | $1123 | -0.022% | 24 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with First Colony Mortgage Corporation directly or with a mortgage broker. |
| 36 | [Coastal Carolina National Bank](https://saferate.com/lenders/coastal-carolina-national-bank) | 58 | 21 | 68 | 85 | $1411 | 0.783% | 140 | Bank | Direct | — |
| 37 | [LOWER, LLC](https://saferate.com/lenders/lower) | 58 | 30 | 71 | 73 | $3218 | 0.499% | 137 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Lower directly or with a mortgage broker. |
| 38 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | 58 | 34 | 70 | 71 | $3731 | 0.748% | 125 | Independent Mortgage Company | Direct | — |
| 39 | [Magnolia Bank, Incorporated](https://saferate.com/lenders/magnolia-bank-incorporated) | 57 | 37 | 82 | 51 | $2138 | 0.443% | 24 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with Magnolia Bank, Incorporated directly or with a mortgage broker. |
| 40 | [AMERICAN FINANCIAL NETWORK, INC.](https://saferate.com/lenders/american-financial-network) | 56 | 28 | 71 | 69 | $3817 | 0.602% | 99 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with American Financial Network directly or with a mortgage broker. |
| 41 | [UNION HOME MORTGAGE CORP.](https://saferate.com/lenders/union-home-mortgage) | 56 | 22 | 83 | 64 | $2865 | 0.638% | 70 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Union Home Mortgage Corp. directly or with a mortgage broker. |
| 42 | [THE LOAN STORE, INC.](https://saferate.com/lenders/the-loan-store) | 56 | 40 | 77 | 51 | $3473 | 0.536% | 26 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 43 | [MUTUAL OF OMAHA MORTGAGE, INC.](https://saferate.com/lenders/mutual-of-omaha-mortgage) | 55 | 57 | 57 | 53 | $2924 | 0.187% | 30 | Independent Mortgage Company | Direct | — |
| 44 | [EQUITY RESOURCES, INC.](https://saferate.com/lenders/equity-resources) | 55 | 47 | 66 | 53 | $1508 | 0.235% | 26 | Independent Mortgage Company | Direct | — |
| 45 | [Plains Commerce Bank](https://saferate.com/lenders/plains-commerce-bank) | 54 | 37 | 67 | 59 | $2752 | 0.452% | 48 | Bank | Wholesale | Pricing may vary between mortgage brokers. |
| 46 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 53 | 20 | 76 | 65 | $3603 | 0.418% | 80 | Independent Mortgage Company | Direct | — |
| 47 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 53 | 35 | 59 | 65 | $3188 | 0.541% | 78 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Newrez Llc directly or with a mortgage broker. |
| 48 | [SOUTHERN TRUST MORTGAGE, LLC](https://saferate.com/lenders/southern-trust-mortgage) | 53 | 18 | 79 | 63 | $4496 | 0.540% | 52 | Independent Mortgage Company | Direct | — |
| 49 | [NATIONSTAR MORTGAGE LLC](https://saferate.com/lenders/nationstar-mortgage) | 52 | 26 | 71 | 60 | $3709 | 0.418% | 52 | Independent Mortgage Company | Direct | — |
| 50 | [PRIMELENDING, A PLAINSCAPITAL COMPANY](https://saferate.com/lenders/primelending-a-plainscapital) | 52 | 26 | 83 | 47 | $3331 | 0.394% | 20 | Independent Mortgage Company | Direct | — |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Myrtle Beach.

Our composite Safe Rate Score is derived using a weighted average of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/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)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/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.