Safe Rate Rankings

Best Conventional Mortgage Bank 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 Lenders23

Total Loans42,466

Median Rate Spread0.29%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,668Fees	0.167%Below	807
2	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$280Credit	0.057%Above	639
3	First National Bank of PennsylvaniaBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,737Fees	0.015%Below	426
4	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$1,583Fees	0.039%Below	935
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$748Fees	0.050%Above	295
6	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Strong	$506Fees	0.208%Below	157
7	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$395Credit	0.017%Above	120
8	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,750Fees	0.065%Above	825
9	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$503Fees	0.121%Above	198
10	First Federal BankBank	Strong	Strong	Strong	Sound	Strong	$2,328Fees	0.096%Above	307
11	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,327Fees	0.143%Above	283
12	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,866Fees	0.125%Above	196
13	SOFI BANK, NATIONAL ASSOCIATIONBank	Strong	Strong	Strong	Acceptable	Strong	$200Fees	0.092%Above	199
14	Pinnacle BankBank	Strong	Sound	Strong	Strong	Strong	$1,887Fees	0.153%Above	111
15	First-Citizens Bank & Trust CompanyBank	Strong	Sound	Strong	Sound	Strong	$1,640Fees	0.083%Below	267
16	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,905Fees	0.125%Above	236
17	Uwharrie BankBank	Strong	Sound	Sound	Sound	Exceptional	$1,554Fees	0.271%Above	229
18	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,593Fees	0.333%Above	161
19	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$530Fees	0.314%Above	106
20	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,839Fees	0.277%Above	98
21	Towne BankBank	Strong	Acceptable	Strong	Strong	Strong	$4,535Fees	0.252%Above	175
22	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$2,228Fees	0.110%Below	115
23	Ixonia BankBank	Strong	Mediocre	Exceptional	Strong	Strong	$2,806Fees	0.603%Above	134

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.