Safe Rate Rankings

Best Mortgage Companie Lenders in Charlotte

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders253

Total Loans42,466

Median Rate Spread0.29%

Charlotte Market Insights

American Security Mortgage is Safe Rate's top-ranked mortgage company in Charlotte, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Charlotte, Provident Funding Associates LP and Mattamy Home Funding scores highest on pricing while Reliance First Capital and Rocket Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #2 in Charlotte, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Charlotte: Rocket Mortgage (#4) and American Security Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Charlotte

By Loan Product

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	American Security Mortgage Corp. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	$1,703Fees	0.123%Above	1,453
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$2,229Fees	0.107%Above	3,124
3	MATTAMY HOME FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Strong	Strong	Exceptional	$1,605Fees	0.320%Above	340
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$3,744Fees	0.251%Above	3,911
5	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,268Fees	0.329%Above	2,718
6	RELIANCE FIRST CAPITAL, LLC Independent Mortgage CompanyDirect	Strong	—	Exceptional	Strong	—	—	146
7	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$2,603Fees	0.233%Below	1,307
8	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Strong	$584Fees	0.072%Below	228
9	ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,972Fees	0.290%Above	1,097
10	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,857Fees	0.131%Above	501
11	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,371Fees	0.002%Above	471
12	Alcova Mortgage LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$2,984Fees	0.437%Above	235
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,255Fees	0.465%Above	980
14	M/I FINANCIAL, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$6,746Fees	0.184%Above	373
15	HOWARD HANNA FINANCIAL SERVICES, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$1,914Fees	0.255%Above	332
16	Atlantic Coast Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,226Fees	0.365%Above	186
17	INTERCOASTAL MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	$1,706Fees	0.287%Above	88
18	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Sound	Strong	$2,763Fees	0.051%Above	260
19	INSPIRE HOME LOANS INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$3,117Fees	0.394%Above	161
20	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$3,218Fees	0.469%Above	140
21	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,196Fees	0.465%Above	364
22	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$1,909Fees	0.221%Above	194
23	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	$2,294Fees	0.333%Above	156
24	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$592Fees	0.283%Above	455
25	Primis Mortgage Company Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$2,949Fees	0.260%Above	336
26	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$3,021Fees	0.295%Above	158
27	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Exceptional	$4,318Fees	0.538%Above	697
28	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	$2,812Fees	0.479%Above	241
29	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Strong	Strong	$2,205Fees	0.171%Above	164
30	ZILLOW HOME LOANS, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Exceptional	$2,840Fees	0.353%Above	429
31	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$2,996Fees	0.023%Above	109
32	BAY EQUITY LLC Independent Mortgage CompanyDirect	Sound	Sound	Strong	Strong	$3,750Fees	0.074%Above	100
33	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$3,154Fees	0.363%Above	236
34	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$2,168Fees	0.403%Above	155
35	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	$2,432Fees	0.406%Above	103
36	BETTER MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Exceptional	Acceptable	Strong	$545Fees	0.024%Above	88
37	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Sound	Strong	$2,335Fees	0.380%Above	243
38	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$2,071Fees	0.636%Above	134
39	HIGHLANDS RESIDENTIAL MORTGAGE, LTD. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$3,028Fees	0.473%Above	129
40	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$2,431Fees	0.357%Above	167
41	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$3,642Fees	0.431%Above	155
42	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Strong	$3,925Fees	0.527%Above	331
43	OriginPoint, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Strong	$2,279Fees	0.201%Above	95
44	AgFirst Farm Credit Bank Independent Mortgage CompanyWholesale	Sound	Mediocre*	Sound	Strong	$4,629Fees	0.596%Above	108
45	Click n' Close, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Sound	Strong	$6,739Fees	1.677%Above	155
46	CARRINGTON MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Strong	$4,995Fees	0.425%Above	100
47	AMERISAVE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Acceptable	Mediocre	Acceptable	Strong	$3,915Fees	0.537%Above	102

❓ Frequently Asked Questions

How are mortgage lenders ranked in Charlotte?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Charlotte), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Charlotte?+

Based on 2024 HMDA data, 253 lenders originated a combined 42,466 loans in Charlotte. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Charlotte?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Charlotte is 0.29%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Charlotte's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.