Safe Rate Rankings

Best VA Mortgage Lenders in Myrtle Beach

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 Lenders112

Total Loans8,420

Median Rate Spread0.35%

Myrtle Beach Market Insights

Velocio Mortgage is Safe Rate's top-ranked VA lender in Myrtle Beach, leading on pricing, pullthrough, VA product expertise, and local knowledge.
Velocio Mortgage and Navy Federal Credit Union leads on both VA pricing and pullthrough, with competitive rates and a strong track record of closing.
United Wholesale Mortgage (UWM) ranks #3 in Myrtle Beach, 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.
Rocket Mortgage ranks #10 in Myrtle Beach, the nation's largest lender by volume.

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Overall Rankings

All lenders in Myrtle Beach

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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	VELOCIO MORTGAGE L.L.C. Independent Mortgage CompanyDirect	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$734Fees	1.117%Below	76
2	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,565Fees	0.114%Below	209
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Strong*	Exceptional	Exceptional	Exceptional	$3,250Fees	0.203%Above	326
4	FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Exceptional	Exceptional*	Exceptional	Exceptional	Strong	$1,852Fees	0.577%Below	93
5	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$2,665Fees	0.299%Above	157
6	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$1,206Fees	0.556%Below	75
7	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,336Fees	0.118%Below	337
8	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Exceptional	$2,706Fees	0.477%Above	267
9	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$2,972Fees	0.374%Above	125
10	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,182Fees	0.305%Above	599
11	NATION ONE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Strong	Strong	Exceptional	Strong	—	—	69
12	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$3,817Fees	0.602%Above	99
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,834Fees	0.614%Above	185
14	Gateway First Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$2,488Fees	0.686%Above	169
15	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$2,452Fees	0.001%Below	58
16	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,607Fees	0.446%Above	83
17	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,161Fees	0.726%Above	244
18	ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,821Fees	0.708%Above	71
19	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Sound	$2,735Fees	0.114%Above	46
20	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,188Fees	0.541%Above	78
21	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,731Fees	0.748%Above	125
22	USAA Federal Savings Bank BankDirect	Strong	Strong	Exceptional	Sound	Sound	$2,703Fees	0.233%Below	29
23	TIDEWATER MORTGAGE SERVICES, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$3,545Fees	0.235%Above	188
24	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,474Fees	0.462%Above	101
25	Wells Fargo Bank, National Association BankDirect	Strong	Sound	Exceptional	Sound	Strong	$1,944Fees	0.149%Above	99
26	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,603Fees	0.418%Above	80
27	Plains Commerce Bank BankWholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,752Fees	0.452%Above	48
28	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,218Fees	0.499%Above	137
29	SOUTHERN TRUST MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$4,496Fees	0.540%Above	52
30	CITY FIRST MORTGAGE SERVICES, L.L.C. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Sound	$4,139Fees	0.829%Above	29
31	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$2,615Fees	0.439%Above	29
32	NEW DAY FINANCIAL, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Sound	$7,088Fees	1.208%Above	22

❓ Frequently Asked Questions

How are mortgage lenders ranked in Myrtle Beach?+

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 Myrtle Beach), 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 Myrtle Beach?+

Based on 2024 HMDA data, 112 lenders originated a combined 8,420 loans in Myrtle Beach. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Myrtle Beach?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Myrtle Beach is 0.35%. 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 Myrtle Beach'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.