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