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