Which mortgage lender in the Bluffton, SC area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Bluffton, SC area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Bluffton, SC area in terms of interest rate is DHI Mortgage Company Limited, with an average “Rate Difference” of -0.18%. This means that, comparing similar borrowers, DHI Mortgage Company Limited provided a -0.18% lower interest rate for its customers than other lenders in the area. DHI Mortgage Company Limited has a market share of 2.6%. On the other hand, the most popular lender in the Bluffton, SC area is Mortgage Network, Inc, with a larger market share of 15.0%. Mortgage Network, Inc is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.02% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Bluffton, SC area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Bluffton, SC is DHI Mortgage Company Limited. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is TD Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is DHI Mortgage Company Limited. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Bluffton, SC
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| DHI Mortgage Company Limited | -0.13% | 4.29% | |
| Pulte Mortgage LLC | -0.07% | 3.61% | |
| Movement Mortgage | -0.06% | 6.55% | |
| Regions Bank | -0.04% | 1.13% | |
| South State Bank | -0.04% | 1.35% | |
| First Federal Bank of Florida | -0.04% | 0.45% | |
| PennyMac Loan Services | -0.04% | 1.58% | |
| Freedom Mortgage Corporation | -0.03% | 1.58% | |
| Navy Federal Credit Union | -0.03% | 1.13% | |
| Towne Mortgage Company | -0.03% | 1.13% | |
| Keller Mortgage | -0.02% | 0.90% | |
| Equity Resources | -0.02% | 1.35% | |
| George Mason Mortgage | -0.02% | 0.90% | |
| Truist Bank | -0.01% | 0.45% | |
| SunTrust Bank | -0.01% | 0.23% | |
| Ameris Bank | -0.01% | 0.68% | |
| K. Hovnanian American Mortgage | -0.00% | 0.68% | |
| New American Funding | -0.00% | 1.13% | |
| Fairway Independent Mortgage Corporation | -0.00% | 2.93% | |
| Finance of America Mortgage | -0.00% | 3.39% | |
| Mr. Cooper | 0.00% | 2.71% | |
| PNC Bank | 0.01% | 0.23% | |
| Quicken Loans | 0.01% | 16.48% | |
| Mortgage Network, Inc | 0.02% | 19.41% | |
| PrimeLending | 0.02% | 2.48% | |
| Lakeview Loan Servicing | 0.03% | 3.84% | |
| loanDepot | 0.03% | 8.13% | |
| Caliber Home Loans | 0.04% | 1.35% | |
| FBC Mortgage | 0.04% | 3.16% | |
| Gateway First Bank | 0.07% | 6.77% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| DHI Mortgage Company Limited | -0.13% | 5.41% | |
| Pulte Mortgage LLC | -0.07% | 4.56% | |
| Movement Mortgage | -0.06% | 7.69% | |
| Towne Mortgage Company | -0.05% | 0.85% | |
| Freedom Mortgage Corporation | -0.04% | 1.42% | |
| Regions Bank | -0.04% | 1.42% | |
| South State Bank | -0.04% | 1.71% | |
| First Federal Bank of Florida | -0.04% | 0.57% | |
| PennyMac Loan Services | -0.03% | 0.85% | |
| Navy Federal Credit Union | -0.03% | 1.42% | |
| Keller Mortgage | -0.02% | 1.14% | |
| Equity Resources | -0.02% | 1.71% | |
| Ameris Bank | -0.02% | 0.57% | |
| George Mason Mortgage | -0.01% | 1.14% | |
| Truist Bank | -0.01% | 0.28% | |
| SunTrust Bank | -0.01% | 0.28% | |
| K. Hovnanian American Mortgage | 0.00% | 0.85% | |
| New American Funding | 0.00% | 1.42% | |
| Fairway Independent Mortgage Corporation | 0.00% | 3.42% | |
| Finance of America Mortgage | 0.00% | 3.70% | |
| PNC Bank | 0.01% | 0.28% | |
| Quicken Loans | 0.01% | 9.12% | |
| Mr. Cooper | 0.01% | 1.42% | |
| Mortgage Network, Inc | 0.02% | 23.93% | |
| PrimeLending | 0.03% | 3.13% | |
| loanDepot | 0.04% | 7.98% | |
| FBC Mortgage | 0.05% | 3.70% | |
| Caliber Home Loans | 0.05% | 1.42% | |
| Gateway First Bank | 0.07% | 8.55% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PennyMac Loan Services | -0.05% | 4.35% | |
| Movement Mortgage | -0.03% | 2.17% | |
| FBC Mortgage | -0.03% | 1.09% | |
| Truist Bank | -0.02% | 1.09% | |
| Caliber Home Loans | -0.02% | 1.09% | |
| Finance of America Mortgage | -0.02% | 2.17% | |
| Freedom Mortgage Corporation | -0.01% | 2.17% | |
| Mortgage Network, Inc | -0.01% | 2.17% | |
| Ameris Bank | -0.01% | 1.09% | |
| Fairway Independent Mortgage Corporation | -0.01% | 1.09% | |
| Mr. Cooper | -0.01% | 7.61% | |
| Towne Mortgage Company | -0.00% | 2.17% | |
| loanDepot | 0.00% | 8.70% | |
| Quicken Loans | 0.01% | 44.57% | |
| Lakeview Loan Servicing | 0.02% | 18.48% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| TD Bank | -0.08% | 29.50% | |
| Wells Fargo Bank | -0.01% | 16.19% | |
| Bank of America | -0.01% | 5.04% | |
| Fairway Independent Mortgage Corporation | 0.03% | 0.72% | |
| PNC Bank | 0.03% | 1.80% | |
| Keller Mortgage | 0.03% | 0.72% | |
| Truist Bank | 0.03% | 5.40% | |
| Equity Resources | 0.03% | 0.36% | |
| Navy Federal Credit Union | 0.03% | 0.72% | |
| Ameris Bank | 0.03% | 0.72% | |
| loanDepot | 0.03% | 1.08% | |
| First Citizens Bank | 0.03% | 0.72% | |
| Regions Bank | 0.03% | 1.80% | |
| South State Bank | 0.04% | 1.80% | |
| SunTrust Bank | 0.04% | 3.24% | |
| Movement Mortgage | 0.04% | 0.72% | |
| JPMorgan Chase Bank | 0.04% | 6.12% | |
| George Mason Mortgage | 0.04% | 0.36% | |
| Finance of America Mortgage | 0.04% | 1.08% | |
| Quicken Loans | 0.05% | 2.16% | |
| New American Funding | 0.06% | 0.36% | |
| Caliber Home Loans | 0.07% | 1.44% | |
| Mortgage Network, Inc | 0.07% | 12.95% | |
| PrimeLending | 0.07% | 4.32% | |
| First Federal Bank of Florida | 0.08% | 0.72% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| TD Bank | -0.08% | 22.16% | |
| Bank of America | -0.02% | 6.25% | |
| Wells Fargo Bank | -0.02% | 19.32% | |
| PNC Bank | 0.02% | 2.27% | |
| Fairway Independent Mortgage Corporation | 0.02% | 1.14% | |
| Ameris Bank | 0.02% | 0.57% | |
| Keller Mortgage | 0.02% | 1.14% | |
| Regions Bank | 0.02% | 1.14% | |
| First Citizens Bank | 0.02% | 0.57% | |
| Finance of America Mortgage | 0.02% | 0.57% | |
| Equity Resources | 0.02% | 0.57% | |
| Truist Bank | 0.02% | 6.25% | |
| loanDepot | 0.03% | 1.14% | |
| South State Bank | 0.03% | 1.70% | |
| Movement Mortgage | 0.03% | 1.14% | |
| Navy Federal Credit Union | 0.03% | 0.57% | |
| SunTrust Bank | 0.03% | 2.84% | |
| JPMorgan Chase Bank | 0.04% | 7.39% | |
| New American Funding | 0.05% | 0.57% | |
| Quicken Loans | 0.05% | 2.27% | |
| Mortgage Network, Inc | 0.06% | 12.50% | |
| Caliber Home Loans | 0.06% | 1.70% | |
| PrimeLending | 0.07% | 6.25% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| TD Bank | -0.07% | 42.16% | |
| Wells Fargo Bank | 0.02% | 10.78% | |
| Truist Bank | 0.04% | 3.92% | |
| Bank of America | 0.04% | 2.94% | |
| Navy Federal Credit Union | 0.04% | 0.98% | |
| loanDepot | 0.05% | 0.98% | |
| JPMorgan Chase Bank | 0.05% | 3.92% | |
| PNC Bank | 0.05% | 0.98% | |
| PrimeLending | 0.05% | 0.98% | |
| Regions Bank | 0.05% | 2.94% | |
| First Citizens Bank | 0.05% | 0.98% | |
| SunTrust Bank | 0.05% | 3.92% | |
| Ameris Bank | 0.05% | 0.98% | |
| South State Bank | 0.06% | 1.96% | |
| George Mason Mortgage | 0.06% | 0.98% | |
| Quicken Loans | 0.06% | 1.96% | |
| Caliber Home Loans | 0.06% | 0.98% | |
| Finance of America Mortgage | 0.07% | 1.96% | |
| Mortgage Network, Inc | 0.08% | 13.73% | |
| First Federal Bank of Florida | 0.09% | 1.96% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.22% | 20.35% | |
| DHI Mortgage Company Limited | -0.02% | 7.61% | |
| Mortgage Network, Inc | 0.01% | 7.79% | |
| Quicken Loans | 0.01% | 3.72% | |
| Freedom Mortgage Corporation | 0.01% | 0.88% | |
| JPMorgan Chase Bank | 0.01% | 0.35% | |
| Towne Mortgage Company | 0.01% | 0.88% | |
| Truist Bank | 0.02% | 0.53% | |
| Ameris Bank | 0.02% | 0.35% | |
| Keller Mortgage | 0.02% | 0.53% | |
| Equity Resources | 0.02% | 0.18% | |
| South State Bank | 0.03% | 0.35% | |
| PNC Bank | 0.03% | 0.18% | |
| Fairway Independent Mortgage Corporation | 0.03% | 0.71% | |
| PennyMac Loan Services | 0.03% | 0.18% | |
| First Federal Bank of Florida | 0.03% | 0.18% | |
| Regions Bank | 0.04% | 0.18% | |
| SunTrust Bank | 0.04% | 0.18% | |
| George Mason Mortgage | 0.04% | 0.71% | |
| K. Hovnanian American Mortgage | 0.04% | 0.71% | |
| New American Funding | 0.04% | 0.88% | |
| Wells Fargo Bank | 0.04% | 1.06% | |
| Gateway First Bank | 0.05% | 13.10% | |
| loanDepot | 0.05% | 2.30% | |
| PrimeLending | 0.06% | 1.77% | |
| Mr. Cooper | 0.06% | 0.71% | |
| Caliber Home Loans | 0.06% | 0.53% | |
| Finance of America Mortgage | 0.06% | 4.60% | |
| USAA | 0.06% | 8.50% | |
| Bank of America | 0.07% | 0.35% | |
| Pulte Mortgage LLC | 0.10% | 8.85% | |
| Movement Mortgage | 0.13% | 3.89% | |
| FBC Mortgage | 0.15% | 6.90% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Towne Mortgage Company | -0.06% | 2.41% | |
| Lakeview Loan Servicing | -0.06% | 11.24% | |
| Movement Mortgage | -0.05% | 2.41% | |
| Gateway First Bank | -0.05% | 9.24% | |
| Navy Federal Credit Union | -0.05% | 6.02% | |
| PennyMac Loan Services | -0.04% | 6.83% | |
| South State Bank | -0.04% | 2.41% | |
| Caliber Home Loans | -0.03% | 2.81% | |
| Mortgage Network, Inc | -0.02% | 6.02% | |
| USAA | -0.02% | 6.83% | |
| New American Funding | -0.01% | 0.40% | |
| loanDepot | -0.01% | 8.03% | |
| FBC Mortgage | -0.00% | 0.40% | |
| George Mason Mortgage | 0.00% | 0.40% | |
| Keller Mortgage | 0.00% | 0.40% | |
| Fairway Independent Mortgage Corporation | 0.01% | 1.20% | |
| Finance of America Mortgage | 0.01% | 2.01% | |
| SunTrust Bank | 0.01% | 0.80% | |
| Ameris Bank | 0.01% | 0.40% | |
| First Federal Bank of Florida | 0.02% | 4.42% | |
| Wells Fargo Bank | 0.03% | 0.80% | |
| Quicken Loans | 0.09% | 18.88% | |
| Mr. Cooper | 0.10% | 3.21% | |
| Freedom Mortgage Corporation | 0.11% | 2.41% |
* Data is compiled for the Bluffton, SC commuting zone area, which comprises of counties of Beaufort County, SC, Hampton County, SC, and Jasper County, SC. This includes cities/towns/communities of Bluffton, SC as well as Hilton Head Island, SC, Beaufort, SC, Hardeeville, SC, Burton, SC, Shell Point, SC, Ridgeland, SC, Laurel Bay, SC, Port Royal, SC, Yemassee, SC, Varnville, SC, Hampton, SC, Yemassee, SC, Estill, SC, and Furman, SC. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.
Mortgage Lender Rankings in Other Cities
This page contains information about the top mortgage lenders in the Bluffton, SC area. For mortgage lender rankings in other cities, click here.