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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 Mortgage Company Lenders in Charleston
Updated February 5, 2026
Market Overview
50
Total Lenders
10,612
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | $907 | -0.883% | 323 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,918 | -0.021% | 784 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $4,870 | +0.177% | 189 | |
4 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,943 | -0.031% | 143 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,406 | -0.076% | 31 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,867 | +0.216% | 99 | |
7 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $1,679 | +0.091% | 85 | |
8 | Barley Mortgage, LLC | Strong | Strong | Sound | Strong | $1,602 | +0.176% | 42 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,507 | +0.187% | 830 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,577 | +0.289% | 429 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,413 | +0.314% | 383 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,034 | -0.073% | 206 | |
13 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,132 | +0.331% | 173 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,527 | +0.228% | 164 | |
15 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,889 | +0.146% | 137 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,583 | -0.066% | 99 | |
17 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | $3,150 | +0.244% | 55 | |
18 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Strong | $2,428 | +0.398% | 40 | |
19 | CAROLINA ONE MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,087 | +0.217% | 408 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,585 | +0.427% | 282 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,601 | +0.323% | 171 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,781 | +0.287% | 171 | |
23 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $3,578 | +0.144% | 99 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,365 | +0.228% | 97 | |
25 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $3,277 | +0.237% | 53 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,648 | +0.284% | 226 | |
27 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Exceptional | $4,794 | +0.332% | 212 | |
28 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,150 | +0.314% | 176 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,492 | +0.254% | 94 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,902 | +0.367% | 77 | |
31 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,322 | +0.161% | 74 | |
32 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,408 | +0.438% | 54 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,782 | +0.056% | 45 | |
34 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Sound | $1,318 | +0.085% | 39 | |
35 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Sound | $5,231 | +0.235% | 38 | |
36 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $3,662 | +0.447% | 37 | |
37 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,588 | +0.546% | 34 | |
38 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $3,660 | -0.009% | 31 | |
39 | SENTE MORTGAGE, INC. | Sound | Mediocre | Strong | Exceptional | $5,024 | +0.415% | 195 | |
40 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,453 | +0.345% | 133 | |
41 | FIRST HOME MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $3,102 | +0.587% | 100 | |
42 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,082 | +0.486% | 72 | |
43 | PRINCETON MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $2,875 | +0.507% | 57 | |
44 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,793 | +0.372% | 46 | |
45 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $3,224 | +0.287% | 44 | |
46 | INTERLINC MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Sound | $3,342 | +0.301% | 39 | |
47 | Primis Mortgage Company | Sound | Acceptable | Strong | Sound | $1,962 | +0.183% | 34 | |
48 | HQ MORTGAGE LLC | Sound | Mediocre | Sound | Exceptional | $5,671 | +0.381% | 113 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $5,731 | +0.621% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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