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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 VA 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
1	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,229	+0.107%	3,124
2	NBKC BANK	Exceptional	Exceptional	Exceptional	Strong	Strong	$506	-0.208%	157
3	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$900	-0.513%	346
4	MATTAMY HOME FUNDING, LLC	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,605	+0.320%	340
5	First Federal Bank	Exceptional	Exceptional	Exceptional	Sound	Strong	$2,328	+0.096%	307
6	Ameris Bank	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,866	+0.125%	196
7	MOVEMENT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,268	+0.329%	2,718
8	American Security Mortgage Corp.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,703	+0.123%	1,453
9	JPMorgan Chase Bank, National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	$1,750	+0.065%	825
10	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$1,857	+0.131%	501
11	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,371	+0.002%	471
12	First National Bank of Pennsylvania	Exceptional	Strong	Strong	Strong	Exceptional	$1,737	-0.015%	426
13	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$748	+0.050%	295
14	SOFI BANK, NATIONAL ASSOCIATION	Exceptional	Exceptional	Strong	Sound	Strong	$200	+0.092%	199
15	GUARANTEED RATE AFFINITY, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,431	+0.357%	167
16	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,205	+0.171%	164
17	INSPIRE HOME LOANS INC.	Exceptional	Strong	Exceptional	Strong	Strong	$3,117	+0.394%	161
18	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,603	-0.233%	1,307
19	Truist Bank	Exceptional	Strong	Strong	Sound	Exceptional	-$280	+0.057%	639
20	M/I FINANCIAL, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$6,746	+0.184%	373
21	SouthState Bank, National Association	Exceptional	Strong	Strong	Strong	Strong	$2,327	+0.143%	283
22	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,909	+0.221%	194
23	Towne Bank	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,535	+0.252%	175
24	USAA Federal Savings Bank	Exceptional	Strong	Exceptional	Sound	Strong	$2,228	-0.110%	115
25	Pinnacle Bank	Exceptional	Strong	Strong	Strong	Strong	$1,887	+0.153%	111
26	PRIMELENDING, A PLAINSCAPITAL COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,996	+0.023%	109
27	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,744	+0.251%	3,911
28	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,972	+0.290%	1,097
29	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,255	+0.465%	980
30	Wells Fargo Bank, National Association	Strong	Sound	Exceptional	Sound	Exceptional	$1,583	-0.039%	935
31	Primis Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$2,949	+0.260%	336
32	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,763	+0.051%	260
33	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$2,335	+0.380%	243
34	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$2,593	+0.333%	161
35	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,294	+0.333%	156
36	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,432	+0.406%	103
37	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$2,839	+0.277%	98
38	INTERCOASTAL MORTGAGE, LLC	Strong	Sound	Strong	Exceptional	Strong	$1,706	+0.287%	88
39	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,318	+0.538%	697
40	HOWARD HANNA FINANCIAL SERVICES, INC.	Strong	Sound	Strong	Strong	Strong	$1,914	+0.255%	332
41	Alcova Mortgage LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,984	+0.437%	235
42	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,226	+0.365%	186
43	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$592	+0.283%	455
44	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$2,840	+0.353%	429
45	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,196	+0.465%	364
46	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$2,812	+0.479%	241
47	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,154	+0.363%	236
48	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,021	+0.295%	158
49	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,168	+0.403%	155
50	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Acceptable	Exceptional	Strong	Strong	$3,028	+0.473%	129

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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