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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 Company Lenders in Charlotte
Updated February 5, 2026
Market Overview
47
Total Lenders
31,287
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | $1,605 | +0.320% | 340 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $584 | -0.072% | 228 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,229 | +0.107% | 3,124 | |
4 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Acceptable | Strong | $545 | +0.024% | 88 | |
5 | American Security Mortgage Corp. | Strong | Sound | Strong | Exceptional | $1,703 | +0.123% | 1,453 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,603 | -0.233% | 1,307 | |
7 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $1,706 | +0.287% | 88 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,744 | +0.251% | 3,911 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,268 | +0.329% | 2,718 | |
10 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $2,972 | +0.290% | 1,097 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,255 | +0.465% | 980 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,857 | +0.131% | 501 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,371 | +0.002% | 471 | |
14 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,205 | +0.171% | 164 | |
15 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $3,117 | +0.394% | 161 | |
16 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,750 | +0.074% | 100 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,318 | +0.538% | 697 | |
18 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Exceptional | $2,840 | +0.353% | 429 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,196 | +0.465% | 364 | |
20 | Primis Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,949 | +0.260% | 336 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,763 | +0.051% | 260 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,812 | +0.479% | 241 | |
23 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $2,984 | +0.437% | 235 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,909 | +0.221% | 194 | |
25 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $3,226 | +0.365% | 186 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,021 | +0.295% | 158 | |
27 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,218 | +0.469% | 140 | |
28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,996 | +0.023% | 109 | |
29 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $592 | +0.283% | 455 | |
30 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $6,746 | +0.184% | 373 | |
31 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | $1,914 | +0.255% | 332 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,154 | +0.363% | 236 | |
33 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,431 | +0.357% | 167 | |
34 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,294 | +0.333% | 156 | |
35 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,168 | +0.403% | 155 | |
36 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,071 | +0.636% | 134 | |
37 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,432 | +0.406% | 103 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,925 | +0.527% | 331 | |
39 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,335 | +0.380% | 243 | |
40 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,995 | +0.425% | 100 | |
41 | OriginPoint, LLC | Sound | Acceptable | Sound | Strong | $2,279 | +0.201% | 95 | |
42 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $3,642 | +0.431% | 155 | |
43 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Strong | $3,028 | +0.473% | 129 | |
44 | Click n' Close, Inc. | Sound | Mediocre | Sound | Strong | $6,739 | +1.677% | 155 | |
45 | AgFirst Farm Credit Bank | Sound | Mediocre | Sound | Strong | $4,629 | +0.596% | 108 | |
46 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Strong | $3,915 | +0.537% | 102 |
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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