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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES' | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,298 | -0.739% | 1,205 | |
2 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,668 | -0.167% | 807 | |
3 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$280 | +0.057% | 639 | |
4 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,737 | -0.015% | 426 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $900 | -0.513% | 346 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $584 | -0.072% | 228 | |
7 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Exceptional | $1,703 | +0.123% | 1,453 | |
8 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,583 | -0.039% | 935 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $748 | +0.050% | 295 | |
10 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $506 | -0.208% | 157 | |
11 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$395 | +0.017% | 120 | |
12 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,603 | -0.233% | 1,307 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,750 | +0.065% | 825 | |
14 | FOUNDERS FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Sound | Exceptional | $1,011 | -0.439% | 527 | |
15 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $503 | +0.121% | 198 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,744 | +0.251% | 3,911 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,229 | +0.107% | 3,124 | |
18 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,972 | +0.290% | 1,097 | |
19 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,605 | +0.320% | 340 | |
20 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $2,328 | +0.096% | 307 | |
21 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,327 | +0.143% | 283 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,763 | +0.051% | 260 | |
23 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,866 | +0.125% | 196 | |
24 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,226 | +0.365% | 186 | |
25 | Truliant Federal Credit Union | Strong | Strong | Strong | Sound | Strong | $1,153 | +0.256% | 129 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,432 | +0.406% | 103 | |
27 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,750 | +0.074% | 100 | |
28 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,268 | +0.329% | 2,718 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,255 | +0.465% | 980 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,318 | +0.538% | 697 | |
31 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,371 | +0.002% | 471 | |
32 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,984 | +0.437% | 235 | |
33 | Pinnacle Bank | Strong | Sound | Strong | Strong | Strong | $1,887 | +0.153% | 111 | |
34 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $1,706 | +0.287% | 88 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,196 | +0.465% | 364 | |
36 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,914 | +0.255% | 332 | |
37 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,812 | +0.479% | 241 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,154 | +0.363% | 236 | |
39 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,905 | +0.125% | 236 | |
40 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,909 | +0.221% | 194 | |
41 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,205 | +0.171% | 164 | |
42 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,593 | +0.333% | 161 | |
43 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,021 | +0.295% | 158 | |
44 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,294 | +0.333% | 156 | |
45 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,642 | +0.431% | 155 | |
46 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,168 | +0.403% | 155 | |
47 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,218 | +0.469% | 140 | |
48 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,071 | +0.636% | 134 | |
49 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,028 | +0.473% | 129 | |
50 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | 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 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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