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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 Company Lenders in Charleston

Updated February 5, 2026

Market Overview

Total Lenders

14,511

Total Loans

0.21%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,406	-0.076%	31
2	VELOCIO MORTGAGE L.L.C.	Exceptional	Strong	Strong	Sound	Exceptional	$907	-0.883%	323
3	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,870	+0.177%	189
4	Atlantic Coast Mortgage, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,132	+0.331%	173
5	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,679	+0.091%	85
6	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,507	+0.187%	830
7	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,918	-0.021%	784
8	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,527	+0.228%	164
9	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$1,867	+0.216%	99
10	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,577	+0.289%	429
11	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,413	+0.314%	383
12	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,585	+0.427%	282
13	JET HOMELOANS, LP	Strong	Sound	Strong	Strong	Strong	$2,943	-0.031%	143
14	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,578	+0.144%	99
15	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,583	-0.066%	99
16	RESOURCE FINANCIAL SERVICES, INC.	Strong	Sound	Strong	Strong	Strong	$3,150	+0.244%	55
17	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$3,793	+0.372%	46
18	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$2,782	+0.056%	45
19	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,034	-0.073%	206
20	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,150	+0.314%	176
21	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,601	+0.323%	171
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,781	+0.287%	171
23	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,889	+0.146%	137
24	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$3,365	+0.228%	97
25	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,902	+0.367%	77
26	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,322	+0.161%	74
27	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,408	+0.438%	54
28	RESICENTRAL, LLC	Strong	Sound	Strong	Sound	Strong	$3,277	+0.237%	53
29	Barley Mortgage, LLC	Strong	Strong	Acceptable	Sound	Strong	$1,602	+0.176%	42
30	MORTGAGE ASSURANCE, INC.	Strong	Sound	Strong	Sound	Strong	$2,428	+0.398%	40
31	Alcova Mortgage LLC	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,318	+0.085%	39
32	CAROLINA ONE MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$3,087	+0.217%	408
33	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,453	+0.345%	133
34	FIRST HOME MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,102	+0.587%	100
35	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,492	+0.254%	94
36	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,082	+0.486%	72
37	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,224	+0.287%	44
38	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$3,662	+0.447%	37
39	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$3,660	-0.009%	31
40	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,648	+0.284%	226
41	DIRECT MORTGAGE LOANS, LLC	Strong	Mediocre	Strong	Strong	Exceptional	$4,794	+0.332%	212
42	INTERLINC MORTGAGE SERVICES, LLC	Strong	Acceptable	Strong	Strong	Sound	$3,342	+0.301%	39
43	Integrity Home Mortgage Corporation	Strong	Acceptable	Strong	Strong	Sound	$5,231	+0.235%	38
44	Primis Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$1,962	+0.183%	34
45	NFM, INC.	Sound	Mediocre	Exceptional	Strong	Sound	$3,588	+0.546%	34
46	SENTE MORTGAGE, INC.	Sound	Mediocre	Sound	Sound	Exceptional	$5,024	+0.415%	195
47	HQ MORTGAGE LLC	Sound	Mediocre	Sound	Sound	Exceptional	$5,671	+0.381%	113
48	PRINCETON MORTGAGE CORPORATION	Sound	Acceptable	Sound	Acceptable	Strong	$2,875	+0.507%	57
49	Mortgage Lenders Investment Trading Corporation	Sound	Mediocre	Strong	Strong	Sound	$6,001	+0.654%	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 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.

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