Safe Rate Rankings

Best All Lender Mortgage Lenders in Charleston

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 Lenders28

Total Loans1,426

Median Rate Spread0.49%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	City National Bank of West VirginiaBank	Exceptional	Strong	Strong	Exceptional	$51Fees	0.069%Below	132
2	WEST VIRGINIA FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$409Fees	0.206%Below	28
3	The Huntington National BankBank	Strong	Strong	Strong	Strong	$524Fees	0.377%Above	48
4	Truist BankBank	Strong	Strong	Strong	Strong	$1,111Fees	0.438%Above	34
5	THE STATE CREDIT UNIONCredit Union	Strong	Exceptional	Acceptable	Strong	$250Fees	0.339%Below	30
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,554Fees	0.409%Above	116
7	WesBanco Bank, Inc.Bank	Strong	Sound	Strong	Exceptional	$1,624Fees	0.067%Above	67
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,303Fees	0.810%Above	47
9	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,687Fees	0.463%Above	26
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,863Fees	0.554%Above	160
11	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$1,905Fees	0.433%Above	84
12	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,352Fees	0.970%Above	59
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,941Fees	0.385%Above	32
14	Gateway First BankBank	Strong	Acceptable	Strong	Exceptional	$1,821Fees	0.631%Above	153
15	VICTORIAN FINANCE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$1,754Fees	0.165%Above	80
16	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,418Fees	0.563%Above	51
17	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,772Fees	0.545%Above	33
18	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$600Credit	0.585%Above	69
19	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,493Fees	1.078%Above	46
20	SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,147Fees	1.100%Above	36

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.