Movement Mortgage review: rates, costs & calculator

Movement Mortgage at a glance

Movement Mortgage is a nonbank retail lender headquartered in Indian Land, South Carolina, founded in 2008 by former NFL tight end Casey Crawford in the wake of the housing crisis.

It is licensed in all 50 states and works through loan officers spread across hundreds of local branch locations, putting it firmly in the face-to-face, purchase-focused corner of the market rather than the click-to-close online lane.

Its signature is an upfront-underwriting model. Instead of issuing a soft pre-qualification and underwriting later, Movement collects full income and asset documentation at the start and runs the file through underwriting early in the process, aiming to turn loans around quickly.

The company says it clears the majority of its loans within about a week, which is the main pitch to buyers competing for a house who want an offer that looks as close to cash-certain as a financed one can.

Where Movement Mortgage's approval rate sits

Movement Mortgage's 2025 approval rate of 94.6% sits against the 76.6% national average. Read it as a signal of channel, not strictness — wholesale, online and refinance-heavy lenders run lower because so many applications are rate shops that never close.

Movement also frames itself as a mission-driven or 'Impact Lender,' directing a large share of profits to the affiliated nonprofit Movement Foundation, which funds schools and community projects; the company reports hundreds of millions of dollars given to the neighborhoods it serves.

In 2025 Movement originated 57,781 loans worth roughly $19.9 billion, an average loan of about $344,000. Its heaviest volume came in North Carolina (11,091 loans), followed by Washington, Virginia, Florida, and Pennsylvania.

Who Movement Mortgage is best for

Movement suits purchase borrowers, especially in competitive markets, who value speed and certainty and want to work with a local loan officer rather than an app.

The upfront-underwriting approach can strengthen an offer, and the broad government-loan menu plus the Movement Boost down-payment program make it worth a look for FHA, VA, and USDA buyers who are short on cash to close.

Loan programs at Movement Mortgage

Its most notable programs and specialties:

• Conventional conforming purchase and refinance loans
• FHA loans, including low-down-payment purchase financing
• VA loans for eligible service members and veterans
• USDA loans for eligible rural and suburban buyers
• Movement Boost — a down-payment-assistance second loan (up to 5% of value) that can cover the FHA 3.5% down payment and closing costs, with a 600 minimum credit score, no income or price caps, and availability in most states (not New York)
• Upfront-underwritten pre-approvals designed to compete against cash offers

Typical industry minimum down payment by core loan type — Movement Mortgage's own minimums or credit overlays may run higher:

Where Movement Mortgage lends most

By federal HMDA records, Movement Mortgage's largest 2025 markets were North Carolina, Washington, Virginia, Florida and Pennsylvania. Explore local rates, home prices and down-payment assistance for each:

States where Movement Mortgage is a top-15 lender

Ranked by home loans originated in 2025 (HMDA). Each state page compares Movement Mortgage with the other leading lenders there, including FHA and VA leaders and what their borrowers paid.

The verdict

Movement Mortgage is a nationwide retail lender built around speed: upfront underwriting and a wide government-loan menu aimed at purchase buyers who want a competitive, dependable approval. Its 94.6% HMDA approval rate reflects that purchase-heavy retail mix.

Because rates and fees aren't posted, comparison-shop against at least one other lender — but for buyers who prize certainty and a local contact, Movement is a solid contender.

How to compare Movement Mortgage

Shopping a few lenders is the single most reliable way to save. Before you commit to Movement Mortgage:

1. Get three or more Loan Estimates in a two-week window — the bureaus treat it as one inquiry.
2. Compare the APR, not just the headline rate — it folds in the fees.
3. Weigh service and loan-type fit, not price alone.
4. Verify licensing: search Movement Mortgage on NMLS Consumer Access and match the NMLS ID to the one on your Loan Estimate. (Its LEI in federal HMDA data, 549300DD4R4SYK5RAQ92, is not a license number.)

Benchmark whatever you're quoted against today's average rates by loan type.