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