🛡️
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 VA Mortgage Company Lenders in Charleston
Updated February 5, 2026
Market Overview
46
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 | Exceptional | Exceptional | Strong | $2,943 | -0.031% | 143 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,918 | -0.021% | 784 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $4,870 | +0.177% | 189 | |
5 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,577 | +0.289% | 429 | |
6 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,413 | +0.314% | 383 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,034 | -0.073% | 206 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,889 | +0.146% | 137 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,583 | -0.066% | 99 | |
10 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,492 | +0.254% | 94 | |
11 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,322 | +0.161% | 74 | |
12 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,408 | +0.438% | 54 | |
13 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Sound | $3,342 | +0.301% | 39 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,867 | +0.216% | 99 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,365 | +0.228% | 97 | |
16 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,679 | +0.091% | 85 | |
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 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,453 | +0.345% | 133 | |
21 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Exceptional | Strong | $3,150 | +0.244% | 55 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,585 | +0.427% | 282 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,781 | +0.287% | 171 | |
24 | FIRST HOME MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,102 | +0.587% | 100 | |
25 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,578 | +0.144% | 99 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,793 | +0.372% | 46 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,782 | +0.056% | 45 | |
28 | CAROLINA ONE MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,087 | +0.217% | 408 | |
29 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,648 | +0.284% | 226 | |
30 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,150 | +0.314% | 176 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,601 | +0.323% | 171 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,902 | +0.367% | 77 | |
33 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,318 | +0.085% | 39 | |
34 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,588 | +0.546% | 34 | |
35 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,962 | +0.183% | 34 | |
36 | CALCON MUTUAL MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Strong | $4,879 | +0.134% | 71 | |
37 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Sound | $5,231 | +0.235% | 38 | |
38 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,660 | -0.009% | 31 | |
39 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $4,794 | +0.332% | 212 | |
40 | SENTE MORTGAGE, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $5,024 | +0.415% | 195 | |
41 | PRINCETON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,875 | +0.507% | 57 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,731 | +0.621% | 33 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,082 | +0.486% | 72 | |
44 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,253 | +0.937% | 37 | |
45 | 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)
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
CharlestonVA
No credit impact
3-minute process
100% free