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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 FHA 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 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,737 | -0.015% | 426 | |
2 | MATTAMY HOME FUNDING, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,605 | +0.320% | 340 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,229 | +0.107% | 3,124 | |
4 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Exceptional | $1,703 | +0.123% | 1,453 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,857 | +0.131% | 501 | |
6 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Strong | $1,640 | -0.083% | 267 | |
7 | SOFI BANK, NATIONAL ASSOCIATION | Exceptional | Exceptional | Strong | Sound | Strong | $200 | +0.092% | 199 | |
8 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $506 | -0.208% | 157 | |
9 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,603 | -0.233% | 1,307 | |
10 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | -$280 | +0.057% | 639 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,371 | +0.002% | 471 | |
12 | First Federal Bank | Exceptional | Strong | Strong | Strong | Strong | $2,328 | +0.096% | 307 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $748 | +0.050% | 295 | |
14 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $2,327 | +0.143% | 283 | |
15 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $503 | +0.121% | 198 | |
16 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,535 | +0.252% | 175 | |
17 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Strong | $1,887 | +0.153% | 111 | |
18 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,706 | +0.287% | 88 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,744 | +0.251% | 3,911 | |
20 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,972 | +0.290% | 1,097 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,255 | +0.465% | 980 | |
22 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $6,746 | +0.184% | 373 | |
23 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,949 | +0.260% | 336 | |
24 | Uwharrie Bank | Strong | Strong | Sound | Sound | Exceptional | $1,554 | +0.271% | 229 | |
25 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,866 | +0.125% | 196 | |
26 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $3,117 | +0.394% | 161 | |
27 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,593 | +0.333% | 161 | |
28 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,294 | +0.333% | 156 | |
29 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,839 | +0.277% | 98 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,268 | +0.329% | 2,718 | |
31 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,583 | -0.039% | 935 | |
32 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,840 | +0.353% | 429 | |
33 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $1,914 | +0.255% | 332 | |
34 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,335 | +0.380% | 243 | |
35 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,812 | +0.479% | 241 | |
36 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,905 | +0.125% | 236 | |
37 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,984 | +0.437% | 235 | |
38 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,226 | +0.365% | 186 | |
39 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,218 | +0.469% | 140 | |
40 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,996 | +0.023% | 109 | |
41 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,196 | +0.465% | 364 | |
42 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,909 | +0.221% | 194 | |
43 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,431 | +0.357% | 167 | |
44 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,205 | +0.171% | 164 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,021 | +0.295% | 158 | |
46 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,168 | +0.403% | 155 | |
47 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,071 | +0.636% | 134 | |
48 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,432 | +0.406% | 103 | |
49 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,750 | +0.074% | 100 | |
50 | OriginPoint, LLC | Strong | Sound | Strong | Sound | Strong | $2,279 | +0.201% | 95 |
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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