Safe Rate Rankings

Best VA Mortgage Companie Lenders in Myrtle Beach

Updated May 30, 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$1,852Fees	0.577%Below	93
2	VELOCIO MORTGAGE L.L.C.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$734Fees	1.117%Below	76
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,250Fees	0.203%Above	326
4	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,565Fees	0.114%Below	209
5	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,706Fees	0.477%Above	267
6	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,665Fees	0.299%Above	157
7	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,817Fees	0.602%Above	99
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,452Fees	0.001%Below	58
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,336Fees	0.118%Below	337
10	CMG MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,972Fees	0.374%Above	125
11	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,735Fees	0.114%Above	46
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,182Fees	0.305%Above	599
13	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,161Fees	0.726%Above	244
14	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,188Fees	0.541%Above	78
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,834Fees	0.614%Above	185
16	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,821Fees	0.708%Above	71
17	TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,545Fees	0.235%Above	188
18	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,218Fees	0.499%Above	137
19	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,731Fees	0.748%Above	125
20	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,474Fees	0.462%Above	101
21	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,603Fees	0.418%Above	80
22	SOUTHERN TRUST MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,496Fees	0.540%Above	52
23	CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$4,139Fees	0.829%Above	29
24	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,615Fees	0.439%Above	29
25	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$7,088Fees	1.208%Above	22

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)

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.