Safe Rate Rankings

Best Mortgage Lenders in Charlotte

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 Lenders253

Total Loans42,466

Median Rate Spread0.29%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	STATE EMPLOYEES'Credit Union	Exceptional	Strong	Strong	Exceptional	$2,298Fees	0.739%Below	1,205
2	Bank of America, National AssociationBank	Exceptional	Strong	Strong	Exceptional	$1,668Fees	0.167%Below	807
3	Truist BankBank	Exceptional	Strong	Strong	Exceptional	$280Credit	0.057%Above	639
4	FOUNDERS FEDERAL CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Exceptional	$1,011Fees	0.439%Below	527
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$900Fees	0.513%Below	346
6	MATTAMY HOME FUNDING, LLCIndependent Mortgage Company	Exceptional	Strong	Strong	Exceptional	$1,605Fees	0.320%Above	340
7	First Federal BankBank	Exceptional	Exceptional	Sound	Strong	$2,328Fees	0.096%Above	307
8	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Sound	Strong	$584Fees	0.072%Below	228
9	NBKC BANKBank	Exceptional	Exceptional	Sound	Strong	$506Fees	0.208%Below	157
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,229Fees	0.107%Above	3,124
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Exceptional	$1,583Fees	0.039%Below	935
12	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$748Fees	0.050%Above	295
13	First-Citizens Bank & Trust CompanyBank	Strong	Strong	Strong	Strong	$1,640Fees	0.083%Below	267
14	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$503Fees	0.121%Above	198
15	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$395Credit	0.017%Above	120
16	Pinnacle BankBank	Strong	Strong	Strong	Strong	$1,887Fees	0.153%Above	111
17	BETTER MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Exceptional	Acceptable	Strong	$545Fees	0.024%Above	88
18	American Security Mortgage Corp.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,703Fees	0.123%Above	1,453
19	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,603Fees	0.233%Below	1,307
20	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$1,750Fees	0.065%Above	825
21	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Exceptional	$1,737Fees	0.015%Below	426
22	Uwharrie BankBank	Strong	Sound	Strong	Exceptional	$1,554Fees	0.271%Above	229
23	Ameris BankBank	Strong	Sound	Exceptional	Strong	$2,866Fees	0.125%Above	196
24	Truliant Federal Credit UnionCredit Union	Strong	Strong	Sound	Strong	$1,153Fees	0.256%Above	129
25	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,706Fees	0.287%Above	88
26	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,744Fees	0.251%Above	3,911
27	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,268Fees	0.329%Above	2,718
28	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,972Fees	0.290%Above	1,097
29	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,255Fees	0.465%Above	980
30	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,857Fees	0.131%Above	501
31	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,371Fees	0.002%Above	471
32	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,327Fees	0.143%Above	283
33	Regions BankBank	Strong	Sound	Strong	Strong	$1,905Fees	0.125%Above	236
34	SKYLA FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Sound	Exceptional	$3,390Fees	0.230%Below	182
35	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,205Fees	0.171%Above	164
36	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,117Fees	0.394%Above	161
37	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,750Fees	0.074%Above	100
38	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,318Fees	0.538%Above	697
39	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,840Fees	0.353%Above	429
40	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,196Fees	0.465%Above	364
41	Primis Mortgage CompanyIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,949Fees	0.260%Above	336
42	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	$2,763Fees	0.051%Above	260
43	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,812Fees	0.479%Above	241
44	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,984Fees	0.437%Above	235
45	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,909Fees	0.221%Above	194
46	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,226Fees	0.365%Above	186
47	Towne BankBank	Strong	Acceptable	Exceptional	Strong	$4,535Fees	0.252%Above	175
48	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,021Fees	0.295%Above	158
49	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,218Fees	0.469%Above	140
50	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,996Fees	0.023%Above	109

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.