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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 Mortgage Lenders in Charleston
Updated February 5, 2026
Market Overview
155
Total Lenders
14,511
Total Loans
0.21%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | $907 | -0.883% | 323 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $1,242 | -0.490% | 262 | |
3 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $175 | -0.547% | 57 | |
4 | First-Citizens Bank & Trust Company | Exceptional | Strong | Strong | Exceptional | $1,296 | +0.002% | 249 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | -$111 | -0.042% | 249 | |
6 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $182 | -0.249% | 72 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,918 | -0.021% | 784 | |
8 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $3,242 | +0.110% | 462 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $4,870 | +0.177% | 189 | |
10 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,943 | -0.031% | 143 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,071 | -0.211% | 135 | |
12 | Truist Bank | Strong | Strong | Strong | Strong | $625 | -0.019% | 100 | |
13 | First Reliance Bank | Strong | Strong | Strong | Strong | $1,218 | +0.119% | 83 | |
14 | Pinnacle Bank | Strong | Strong | Strong | Strong | $1,885 | +0.149% | 69 | |
15 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,406 | -0.076% | 31 | |
16 | SouthState Bank, National Association | Strong | Sound | Strong | Exceptional | $1,815 | +0.107% | 241 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,622 | -0.034% | 127 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,867 | +0.216% | 99 | |
19 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $1,679 | +0.091% | 85 | |
20 | ServisFirst Bank | Strong | Sound | Exceptional | Strong | $1,686 | +0.097% | 66 | |
21 | Barley Mortgage, LLC | Strong | Strong | Sound | Strong | $1,602 | +0.176% | 42 | |
22 | U.S. Bank National Association | Strong | Strong | Strong | Sound | -$838 | -0.131% | 40 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,507 | +0.187% | 830 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,577 | +0.289% | 429 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,413 | +0.314% | 383 | |
26 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,034 | -0.073% | 206 | |
27 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,901 | +0.090% | 190 | |
28 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,132 | +0.331% | 173 | |
29 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,527 | +0.228% | 164 | |
30 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,147 | -0.043% | 154 | |
31 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,889 | +0.146% | 137 | |
32 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,583 | -0.066% | 99 | |
33 | Regions Bank | Strong | Sound | Strong | Strong | $1,726 | -0.066% | 66 | |
34 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | $3,150 | +0.244% | 55 | |
35 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Strong | $2,428 | +0.398% | 40 | |
36 | CAROLINA ONE MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,087 | +0.217% | 408 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,585 | +0.427% | 282 | |
38 | SOUTH CAROLINA FEDERAL CREDIT UNION | Strong | Acceptable | Strong | Exceptional | $3,660 | +0.039% | 249 | |
39 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,601 | +0.323% | 171 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,781 | +0.287% | 171 | |
41 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $2,523 | +0.263% | 143 | |
42 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $3,578 | +0.144% | 99 | |
43 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,365 | +0.228% | 97 | |
44 | REV FEDERAL CREDIT UNION | Strong | Sound | Sound | Strong | $3,805 | -0.121% | 88 | |
45 | TD Bank, National Association | Strong | Sound | Sound | Strong | $1,329 | +0.144% | 72 | |
46 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $3,277 | +0.237% | 53 | |
47 | Southern First Bank | Strong | Sound | Sound | Strong | $2,143 | +0.177% | 46 | |
48 | Northpointe Bank | Strong | Sound | Strong | Sound | $2,591 | +0.209% | 35 | |
49 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,648 | +0.284% | 226 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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