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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 FHA 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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $907 | -0.883% | 323 | |
2 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,943 | -0.031% | 143 | |
3 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,296 | +0.002% | 249 | |
4 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,679 | +0.091% | 85 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,918 | -0.021% | 784 | |
6 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | -$111 | -0.042% | 249 | |
7 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $1,815 | +0.107% | 241 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,034 | -0.073% | 206 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,870 | +0.177% | 189 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,867 | +0.216% | 99 | |
11 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,322 | +0.161% | 74 | |
12 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $182 | -0.249% | 72 | |
13 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,242 | +0.110% | 462 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,583 | -0.066% | 99 | |
15 | MORTGAGE ASSURANCE, INC. | Exceptional | Strong | Strong | Strong | Strong | $2,428 | +0.398% | 40 | |
16 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $3,342 | +0.301% | 39 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,507 | +0.187% | 830 | |
18 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,132 | +0.331% | 173 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,527 | +0.228% | 164 | |
20 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $2,523 | +0.263% | 143 | |
21 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $625 | -0.019% | 100 | |
22 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,272 | +0.252% | 60 | |
23 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $3,277 | +0.237% | 53 | |
24 | Towne Bank | Strong | Sound | Exceptional | Exceptional | Sound | $2,313 | +0.169% | 40 | |
25 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,660 | -0.009% | 31 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,577 | +0.289% | 429 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,413 | +0.314% | 383 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,781 | +0.287% | 171 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,453 | +0.345% | 133 | |
30 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,578 | +0.144% | 99 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,365 | +0.228% | 97 | |
32 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,726 | -0.066% | 66 | |
33 | United Community Bank | Strong | Sound | Strong | Strong | Strong | $2,066 | +0.337% | 54 | |
34 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,224 | +0.287% | 44 | |
35 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $2,591 | +0.209% | 35 | |
36 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,665 | +0.041% | 34 | |
37 | CAROLINA ONE MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,087 | +0.217% | 408 | |
38 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,794 | +0.332% | 212 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,150 | +0.314% | 176 | |
40 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,601 | +0.323% | 171 | |
41 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,889 | +0.146% | 137 | |
42 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,492 | +0.254% | 94 | |
43 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,408 | +0.438% | 54 | |
44 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,318 | +0.085% | 39 | |
45 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,662 | +0.447% | 37 | |
46 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,585 | +0.427% | 282 | |
47 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,150 | +0.244% | 55 | |
48 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,793 | +0.372% | 46 | |
49 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Sound | $5,231 | +0.235% | 38 |
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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