Safe Rate Rankings

Best FHA 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	WesBanco Bank, Inc.Bank	Exceptional	Strong	Strong	Strong	Exceptional	$1,624Fees	0.067%Above	67
2	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$524Fees	0.377%Above	48
3	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,554Fees	0.409%Above	116
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,303Fees	0.810%Above	47
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,863Fees	0.554%Above	160
6	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,905Fees	0.433%Above	84
7	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,821Fees	0.631%Above	153
8	VICTORIAN FINANCE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$1,754Fees	0.165%Above	80
9	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,352Fees	0.970%Above	59
10	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,418Fees	0.563%Above	51
11	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,772Fees	0.545%Above	33
12	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$600Credit	0.585%Above	69
13	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,343Fees	0.815%Above	12
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,493Fees	1.078%Above	46
15	SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,147Fees	1.100%Above	36
16	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,618Fees	0.548%Above	10
17	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$3,337Fees	1.470%Above	11

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.