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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 Company Lenders in Charlotte

Updated February 5, 2026

Market Overview

Total Lenders

42,466

Total Loans

0.29%

Median Rate Spread

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

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