Safe Rate Rankings

Best Conventional 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 Lenders155

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	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$1,242Fees	0.490%Below	262
2	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$111Credit	0.042%Below	249
3	First National Bank of PennsylvaniaBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,147Fees	0.043%Below	154
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,071Fees	0.211%Below	135
5	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$625Fees	0.019%Below	100
6	First Reliance BankBank	Exceptional	Strong	Strong	Exceptional	Strong	$1,218Fees	0.119%Above	83
7	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Strong	$182Fees	0.249%Below	72
8	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$175Fees	0.547%Below	57
9	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,406Fees	0.076%Below	31
10	Ameris BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,242Fees	0.110%Above	462
11	VELOCIO MORTGAGE L.L.C.Independent Mortgage Company	Exceptional	Strong	Strong	Sound	Exceptional	$907Fees	0.883%Below	323
12	SouthState Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,815Fees	0.107%Above	241
13	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,870Fees	0.177%Above	189
14	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,132Fees	0.331%Above	173
15	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,622Fees	0.034%Below	127
16	First Heritage Mortgage, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,679Fees	0.091%Above	85
17	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$838Credit	0.131%Below	40
18	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,507Fees	0.187%Above	830
19	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,918Fees	0.021%Below	784
20	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,901Fees	0.090%Above	190
21	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,527Fees	0.228%Above	164
22	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,867Fees	0.216%Above	99
23	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,577Fees	0.289%Above	429
24	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,413Fees	0.314%Above	383
25	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,585Fees	0.427%Above	282
26	First-Citizens Bank & Trust CompanyBank	Strong	Sound	Strong	Sound	Exceptional	$1,296Fees	0.002%Above	249
27	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,943Fees	0.031%Below	143
28	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,578Fees	0.144%Above	99
29	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,583Fees	0.066%Below	99
30	Pinnacle BankBank	Strong	Sound	Strong	Strong	Strong	$1,885Fees	0.149%Above	69
31	ServisFirst BankBank	Strong	Sound	Strong	Strong	Strong	$1,686Fees	0.097%Above	66
32	RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$3,150Fees	0.244%Above	55
33	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,793Fees	0.372%Above	46
34	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,591Fees	0.209%Above	35
35	SOUTH CAROLINA FEDERAL CREDIT UNIONCredit Union	Strong	Acceptable	Strong	Strong	Exceptional	$3,660Fees	0.039%Above	249
36	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,034Fees	0.073%Below	206
37	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,150Fees	0.314%Above	176
38	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,601Fees	0.323%Above	171
39	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,781Fees	0.287%Above	171
40	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,523Fees	0.263%Above	143
41	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,889Fees	0.146%Above	137
42	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,365Fees	0.228%Above	97
43	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,902Fees	0.367%Above	77
44	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,322Fees	0.161%Above	74
45	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,726Fees	0.066%Below	66
46	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,272Fees	0.252%Above	60
47	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,408Fees	0.438%Above	54
48	United Community BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,066Fees	0.337%Above	54
49	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,318Fees	0.085%Above	39

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.