Safe Rate Rankings

Best VA Mortgage Bank 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 Lenders12

Total Loans14,511

Median Rate Spread0.21%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Ameris BankBank	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,242Fees	0.110%Above	462
2	Fifth Third Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$111Credit	0.042%Below	249
3	NBKC BANKBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$182Fees	0.249%Below	72
4	SouthState Bank, National AssociationBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,815Fees	0.107%Above	241
5	Renasant BankBank	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,523Fees	0.263%Above	143
6	Pinnacle BankBank	Exceptional	Strong	Strong	Strong	Strong	$1,885Fees	0.149%Above	69
7	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$838Credit	0.131%Below	40
8	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$2,272Fees	0.252%Above	60
9	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$2,095Fees	0.230%Below	45
10	Towne BankBank	Strong	Sound	Exceptional	Exceptional	Sound	$2,313Fees	0.169%Above	40
11	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,665Fees	0.041%Above	34
12	Regions BankBank	Strong	Sound	Strong	Sound	Strong	$1,726Fees	0.066%Below	66

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.