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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,206 | -0.556% | 75 | |
2 | STATE EMPLOYEES' | Exceptional | Strong | Exceptional | Strong | Strong | $2,095 | -0.617% | 70 | |
3 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $716 | +0.114% | 70 | |
4 | First Reliance Bank | Exceptional | Strong | Strong | Exceptional | Strong | $2,456 | +0.194% | 63 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,598 | +0.208% | 63 | |
6 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,336 | -0.118% | 337 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,565 | -0.114% | 209 | |
8 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,944 | +0.149% | 99 | |
9 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,019 | +0.235% | 36 | |
10 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Sound | $1,532 | +0.077% | 35 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,182 | +0.305% | 599 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,250 | +0.203% | 326 | |
13 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,800 | +0.524% | 111 | |
14 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,955 | +0.291% | 76 | |
15 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $734 | -1.117% | 76 | |
16 | Fifth Third Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $752 | +0.140% | 19 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,706 | +0.477% | 267 | |
18 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161 | +0.726% | 244 | |
19 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,821 | +0.708% | 71 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,467 | +0.314% | 53 | |
21 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,176 | +0.600% | 52 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,924 | +0.187% | 30 | |
23 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,545 | +0.235% | 188 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,834 | +0.614% | 185 | |
25 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,488 | +0.686% | 169 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,665 | +0.299% | 157 | |
27 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,218 | +0.499% | 137 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,972 | +0.374% | 125 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,474 | +0.462% | 101 | |
30 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,817 | +0.602% | 99 | |
31 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,607 | +0.446% | 83 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,603 | +0.418% | 80 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,865 | +0.638% | 70 | |
34 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | $1,328 | -0.026% | 61 | |
35 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,452 | -0.001% | 58 | |
36 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,735 | +0.114% | 46 | |
37 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Sound | $2,045 | -0.215% | 33 | |
38 | United Bank | Strong | Sound | Strong | Strong | Sound | $2,643 | +0.234% | 29 | |
39 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Sound | $1,508 | +0.235% | 26 | |
40 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,188 | +0.541% | 78 | |
41 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,496 | +0.540% | 52 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,709 | +0.418% | 52 | |
43 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,752 | +0.452% | 48 | |
44 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,473 | +0.536% | 26 | |
45 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,751 | +0.836% | 24 | |
46 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,123 | -0.022% | 24 | |
47 | TD Bank, National Association | Strong | Sound | Strong | Sound | Sound | $908 | +0.383% | 23 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,331 | +0.394% | 20 | |
49 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,731 | +0.748% | 125 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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