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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 Lenders in Charlotte
Updated February 5, 2026
Market Overview
253
Total Lenders
42,466
Total Loans
0.29%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES' | Exceptional | Strong | Strong | Exceptional | $2,298 | -0.739% | 1,205 | |
2 | Bank of America, National Association | Exceptional | Strong | Strong | Exceptional | $1,668 | -0.167% | 807 | |
3 | Truist Bank | Exceptional | Strong | Strong | Exceptional | -$280 | +0.057% | 639 | |
4 | FOUNDERS FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $1,011 | -0.439% | 527 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $900 | -0.513% | 346 | |
6 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | $1,605 | +0.320% | 340 | |
7 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $2,328 | +0.096% | 307 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $584 | -0.072% | 228 | |
9 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $506 | -0.208% | 157 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,229 | +0.107% | 3,124 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,583 | -0.039% | 935 | |
12 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $748 | +0.050% | 295 | |
13 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $1,640 | -0.083% | 267 | |
14 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $503 | +0.121% | 198 | |
15 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$395 | +0.017% | 120 | |
16 | Pinnacle Bank | Strong | Strong | Strong | Strong | $1,887 | +0.153% | 111 | |
17 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Acceptable | Strong | $545 | +0.024% | 88 | |
18 | American Security Mortgage Corp. | Strong | Sound | Strong | Exceptional | $1,703 | +0.123% | 1,453 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,603 | -0.233% | 1,307 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,750 | +0.065% | 825 | |
21 | First National Bank of Pennsylvania | Strong | Sound | Strong | Exceptional | $1,737 | -0.015% | 426 | |
22 | Uwharrie Bank | Strong | Sound | Strong | Exceptional | $1,554 | +0.271% | 229 | |
23 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,866 | +0.125% | 196 | |
24 | Truliant Federal Credit Union | Strong | Strong | Sound | Strong | $1,153 | +0.256% | 129 | |
25 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $1,706 | +0.287% | 88 | |
26 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,744 | +0.251% | 3,911 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,268 | +0.329% | 2,718 | |
28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $2,972 | +0.290% | 1,097 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,255 | +0.465% | 980 | |
30 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,857 | +0.131% | 501 | |
31 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,371 | +0.002% | 471 | |
32 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $2,327 | +0.143% | 283 | |
33 | Regions Bank | Strong | Sound | Strong | Strong | $1,905 | +0.125% | 236 | |
34 | SKYLA FEDERAL CREDIT UNION | Strong | Sound | Sound | Exceptional | $3,390 | -0.230% | 182 | |
35 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,205 | +0.171% | 164 | |
36 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $3,117 | +0.394% | 161 | |
37 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,750 | +0.074% | 100 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,318 | +0.538% | 697 | |
39 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Exceptional | $2,840 | +0.353% | 429 | |
40 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,196 | +0.465% | 364 | |
41 | Primis Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,949 | +0.260% | 336 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,763 | +0.051% | 260 | |
43 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,812 | +0.479% | 241 | |
44 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $2,984 | +0.437% | 235 | |
45 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,909 | +0.221% | 194 | |
46 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $3,226 | +0.365% | 186 | |
47 | Towne Bank | Strong | Acceptable | Exceptional | Strong | $4,535 | +0.252% | 175 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,021 | +0.295% | 158 | |
49 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,218 | +0.469% | 140 | |
50 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,996 | +0.023% | 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)
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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