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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Myrtle Beach
Updated February 5, 2026
Market Overview
112
Total Lenders
8,420
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $734 | -1.117% | 76 | |
2 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $1,852 | -0.577% | 93 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,206 | -0.556% | 75 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,250 | +0.203% | 326 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $2,565 | -0.114% | 209 | |
6 | STATE EMPLOYEES' | Strong | Strong | Strong | Strong | $2,095 | -0.617% | 70 | |
7 | Truist Bank | Strong | Strong | Strong | Strong | $716 | +0.114% | 70 | |
8 | First Reliance Bank | Strong | Strong | Strong | Strong | $2,456 | +0.194% | 63 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,598 | +0.208% | 63 | |
10 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $1,328 | -0.026% | 61 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $3,336 | -0.118% | 337 | |
12 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,800 | +0.524% | 111 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,944 | +0.149% | 99 | |
14 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $1,019 | +0.235% | 36 | |
15 | JET HOMELOANS, LP | Strong | Strong | Strong | Sound | $2,045 | -0.215% | 33 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,182 | +0.305% | 599 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,706 | +0.477% | 267 | |
18 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | $4,161 | +0.726% | 244 | |
19 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,665 | +0.299% | 157 | |
20 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $1,955 | +0.291% | 76 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,452 | -0.001% | 58 | |
22 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Sound | $1,123 | -0.022% | 24 | |
23 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | $3,545 | +0.235% | 188 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,834 | +0.614% | 185 | |
25 | Coastal Carolina National Bank | Strong | Acceptable | Strong | Exceptional | $1,411 | +0.783% | 140 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,972 | +0.374% | 125 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,474 | +0.462% | 101 | |
28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $3,821 | +0.708% | 71 | |
29 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,865 | +0.638% | 70 | |
30 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,467 | +0.314% | 53 | |
31 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $3,176 | +0.600% | 52 | |
32 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,735 | +0.114% | 46 | |
33 | First National Bank of Pennsylvania | Strong | Sound | Strong | Sound | $1,532 | +0.077% | 35 | |
34 | United Bank | Strong | Sound | Strong | Sound | $2,643 | +0.234% | 29 | |
35 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Sound | $1,508 | +0.235% | 26 | |
36 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $2,488 | +0.686% | 169 | |
37 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,218 | +0.499% | 137 | |
38 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,731 | +0.748% | 125 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,817 | +0.602% | 99 | |
40 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,607 | +0.446% | 83 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,603 | +0.418% | 80 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,924 | +0.187% | 30 | |
43 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,703 | -0.233% | 29 | |
44 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Sound | $2,138 | +0.443% | 24 | |
45 | TD Bank, National Association | Strong | Sound | Sound | Sound | $908 | +0.383% | 23 | |
46 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,331 | +0.394% | 20 | |
47 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,188 | +0.541% | 78 | |
48 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,709 | +0.418% | 52 | |
49 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $2,752 | +0.452% | 48 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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