Safe Rate Rankings

Best Mortgage Company 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 Lenders50

Total Loans10,612

Median Rate Spread0.30%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VELOCIO MORTGAGE L.L.C.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	$907Fees	0.883%Below	323
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,918Fees	0.021%Below	784
3	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$4,870Fees	0.177%Above	189
4	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Strong	Strong	Strong	$2,943Fees	0.031%Below	143
5	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$1,406Fees	0.076%Below	31
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,867Fees	0.216%Above	99
7	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,679Fees	0.091%Above	85
8	Barley Mortgage, LLCIndependent Mortgage Company	Strong	Strong	Sound	Strong	$1,602Fees	0.176%Above	42
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,507Fees	0.187%Above	830
10	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,577Fees	0.289%Above	429
11	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,413Fees	0.314%Above	383
12	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,034Fees	0.073%Below	206
13	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,132Fees	0.331%Above	173
14	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,527Fees	0.228%Above	164
15	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,889Fees	0.146%Above	137
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,583Fees	0.066%Below	99
17	RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,150Fees	0.244%Above	55
18	MORTGAGE ASSURANCE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,428Fees	0.398%Above	40
19	CAROLINA ONE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,087Fees	0.217%Above	408
20	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,585Fees	0.427%Above	282
21	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,601Fees	0.323%Above	171
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,781Fees	0.287%Above	171
23	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,578Fees	0.144%Above	99
24	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,365Fees	0.228%Above	97
25	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$3,277Fees	0.237%Above	53
26	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,648Fees	0.284%Above	226
27	DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$4,794Fees	0.332%Above	212
28	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,150Fees	0.314%Above	176
29	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,492Fees	0.254%Above	94
30	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,902Fees	0.367%Above	77
31	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,322Fees	0.161%Above	74
32	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,408Fees	0.438%Above	54
33	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$2,782Fees	0.056%Above	45
34	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,318Fees	0.085%Above	39
35	Integrity Home Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$5,231Fees	0.235%Above	38
36	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,662Fees	0.447%Above	37
37	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,588Fees	0.546%Above	34
38	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$3,660Fees	0.009%Below	31
39	SENTE MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$5,024Fees	0.415%Above	195
40	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,453Fees	0.345%Above	133
41	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,102Fees	0.587%Above	100
42	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,082Fees	0.486%Above	72
43	PRINCETON MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,875Fees	0.507%Above	57
44	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,793Fees	0.372%Above	46
45	THE LOAN STORE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,224Fees	0.287%Above	44
46	INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,342Fees	0.301%Above	39
47	Primis Mortgage CompanyIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,962Fees	0.183%Above	34
48	HQ MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Exceptional	$5,671Fees	0.381%Above	113
49	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$5,731Fees	0.621%Above	33

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.