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