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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 VA 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 | Exceptional | Exceptional | Strong | $2,943 | -0.031% | 143 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,918 | -0.021% | 784 | |
4 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,242 | +0.110% | 462 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,242 | -0.490% | 262 | |
6 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | -$111 | -0.042% | 249 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $4,870 | +0.177% | 189 | |
8 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $182 | -0.249% | 72 | |
9 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,577 | +0.289% | 429 | |
10 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,413 | +0.314% | 383 | |
11 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $1,815 | +0.107% | 241 | |
12 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,034 | -0.073% | 206 | |
13 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,889 | +0.146% | 137 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,583 | -0.066% | 99 | |
15 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,492 | +0.254% | 94 | |
16 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,322 | +0.161% | 74 | |
17 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,408 | +0.438% | 54 | |
18 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Sound | $3,342 | +0.301% | 39 | |
19 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,523 | +0.263% | 143 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,867 | +0.216% | 99 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,365 | +0.228% | 97 | |
22 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,679 | +0.091% | 85 | |
23 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Strong | $1,885 | +0.149% | 69 | |
24 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | -$838 | -0.131% | 40 | |
25 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,507 | +0.187% | 830 | |
26 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,132 | +0.331% | 173 | |
27 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,527 | +0.228% | 164 | |
28 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,453 | +0.345% | 133 | |
29 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,272 | +0.252% | 60 | |
30 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Exceptional | Strong | $3,150 | +0.244% | 55 | |
31 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,095 | -0.230% | 45 | |
32 | Towne Bank | Strong | Sound | Exceptional | Exceptional | Sound | $2,313 | +0.169% | 40 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,585 | +0.427% | 282 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,781 | +0.287% | 171 | |
35 | FIRST HOME MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,102 | +0.587% | 100 | |
36 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,578 | +0.144% | 99 | |
37 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,793 | +0.372% | 46 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,782 | +0.056% | 45 | |
39 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,665 | +0.041% | 34 | |
40 | CAROLINA ONE MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,087 | +0.217% | 408 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,648 | +0.284% | 226 | |
42 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,150 | +0.314% | 176 | |
43 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,601 | +0.323% | 171 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,902 | +0.367% | 77 | |
45 | Regions Bank | Strong | Sound | Strong | Sound | Strong | $1,726 | -0.066% | 66 | |
46 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,318 | +0.085% | 39 | |
47 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,588 | +0.546% | 34 | |
48 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,962 | +0.183% | 34 | |
49 | CALCON MUTUAL MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Strong | $4,879 | +0.134% | 71 |
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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