Safe Rate Rankings

Best All Lender Mortgage Lenders in Myrtle Beach

Updated May 22, 2026

⚖️ 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%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VELOCIO MORTGAGE L.L.C.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	$734Fees	1.117%Below	76
2	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$1,852Fees	0.577%Below	93
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$1,206Fees	0.556%Below	75
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,250Fees	0.203%Above	326
5	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,565Fees	0.114%Below	209
6	Truist BankBank	Strong	Strong	Strong	Strong	$716Fees	0.114%Above	70
7	STATE EMPLOYEES'Credit Union	Strong	Strong	Strong	Strong	$2,095Fees	0.617%Below	70
8	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,598Fees	0.208%Above	63
9	First Reliance BankBank	Strong	Strong	Strong	Strong	$2,456Fees	0.194%Above	63
10	First-Citizens Bank & Trust CompanyBank	Strong	Strong	Strong	Strong	$1,328Fees	0.026%Below	61
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$3,336Fees	0.118%Below	337
12	Ameris BankBank	Strong	Sound	Exceptional	Strong	$2,800Fees	0.524%Above	111
13	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,944Fees	0.149%Above	99
14	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,019Fees	0.235%Above	36
15	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Strong	Strong	Sound	$2,045Fees	0.215%Below	33
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,182Fees	0.305%Above	599
17	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,706Fees	0.477%Above	267
18	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,161Fees	0.726%Above	244
19	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,665Fees	0.299%Above	157
20	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,955Fees	0.291%Above	76
21	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,452Fees	0.001%Below	58
22	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,123Fees	0.022%Below	24
23	TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,545Fees	0.235%Above	188
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,834Fees	0.614%Above	185
25	Coastal Carolina National BankBank	Strong	Acceptable	Strong	Exceptional	$1,411Fees	0.783%Above	140
26	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,972Fees	0.374%Above	125
27	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,474Fees	0.462%Above	101
28	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,821Fees	0.708%Above	71
29	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,865Fees	0.638%Above	70
30	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,467Fees	0.314%Above	53
31	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,176Fees	0.600%Above	52
32	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,735Fees	0.114%Above	46
33	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Sound	$1,532Fees	0.077%Above	35
34	United BankBank	Strong	Sound	Strong	Sound	$2,643Fees	0.234%Above	29
35	EQUITY RESOURCES, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,508Fees	0.235%Above	26
36	Gateway First BankBank	Strong	Acceptable	Strong	Strong	$2,488Fees	0.686%Above	169
37	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,218Fees	0.499%Above	137
38	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,731Fees	0.748%Above	125
39	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,817Fees	0.602%Above	99
40	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,607Fees	0.446%Above	83
41	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,603Fees	0.418%Above	80
42	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$2,924Fees	0.187%Above	30
43	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$2,703Fees	0.233%Below	29
44	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Exceptional	Sound	$2,138Fees	0.443%Above	24
45	TD Bank, National AssociationBank	Strong	Sound	Sound	Sound	$908Fees	0.383%Above	23
46	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,331Fees	0.394%Above	20
47	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,188Fees	0.541%Above	78
48	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,709Fees	0.418%Above	52
49	Plains Commerce BankBank	Sound	Acceptable	Strong	Sound	$2,752Fees	0.452%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.