Safe Rate Rankings

Best Bank Mortgage Lenders in Charleston

Updated February 5, 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 Lenders26

Total Loans3,262

Median Rate Spread0.04%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$175Fees	0.547%Below	57
2	First-Citizens Bank & Trust CompanyBank	Exceptional	Strong	Strong	Exceptional	$1,296Fees	0.002%Above	249
3	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Strong	Exceptional	$111Credit	0.042%Below	249
4	NBKC BANKBank	Exceptional	Exceptional	Sound	Strong	$182Fees	0.249%Below	72
5	Ameris BankBank	Strong	Sound	Exceptional	Exceptional	$3,242Fees	0.110%Above	462
6	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,071Fees	0.211%Below	135
7	Truist BankBank	Strong	Strong	Strong	Strong	$625Fees	0.019%Below	100
8	First Reliance BankBank	Strong	Strong	Strong	Strong	$1,218Fees	0.119%Above	83
9	Pinnacle BankBank	Strong	Strong	Strong	Strong	$1,885Fees	0.149%Above	69
10	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$1,815Fees	0.107%Above	241
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,622Fees	0.034%Below	127
12	ServisFirst BankBank	Strong	Sound	Exceptional	Strong	$1,686Fees	0.097%Above	66
13	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$838Credit	0.131%Below	40
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,901Fees	0.090%Above	190
15	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Strong	$1,147Fees	0.043%Below	154
16	Regions BankBank	Strong	Sound	Strong	Strong	$1,726Fees	0.066%Below	66
17	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	$2,523Fees	0.263%Above	143
18	TD Bank, National AssociationBank	Strong	Sound	Sound	Strong	$1,329Fees	0.144%Above	72
19	Southern First BankBank	Strong	Sound	Sound	Strong	$2,143Fees	0.177%Above	46
20	Northpointe BankBank	Strong	Sound	Strong	Sound	$2,591Fees	0.209%Above	35
21	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,272Fees	0.252%Above	60
22	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$2,095Fees	0.230%Below	45
23	Towne BankBank	Strong	Acceptable	Exceptional	Sound	$2,313Fees	0.169%Above	40
24	United Community BankBank	Sound	Acceptable	Sound	Strong	$2,066Fees	0.337%Above	54
25	Plains Commerce BankBank	Sound	Acceptable	Strong	Sound	$3,665Fees	0.041%Above	34

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.