Safe Rate Rankings

Best All Lender Mortgage Lenders in Greenville

Updated May 22, 2026

⚖️ 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 Lenders145

Total Loans12,367

Median Rate Spread0.26%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First Reliance BankBank	Exceptional	Strong	Strong	Exceptional	$1,714Fees	0.114%Above	227
2	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$1,066Fees	0.613%Below	134
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$1,232Fees	0.538%Below	122
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,971Fees	0.196%Above	606
5	First-Citizens Bank & Trust CompanyBank	Strong	Strong	Strong	Strong	$1,454Fees	0.069%Below	155
6	Truist BankBank	Strong	Strong	Strong	Strong	$1,666Fees	0.149%Above	152
7	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$252Fees	0.072%Below	75
8	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,623Fees	0.016%Below	60
9	FOUNDERS FEDERAL CREDIT UNIONCredit Union	Strong	Strong	Strong	Strong	$204Credit	0.171%Below	59
10	First Palmetto BankBank	Strong	Strong	Strong	Strong	$1,261Fees	0.259%Above	49
11	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$2,278Fees	0.100%Below	29
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,685Fees	0.360%Below	331
13	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$1,577Fees	0.219%Above	235
14	CountybankBank	Strong	Sound	Strong	Exceptional	$2,007Fees	0.250%Above	234
15	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,552Fees	0.173%Above	149
16	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,260Fees	0.099%Above	142
17	Ameris BankBank	Strong	Sound	Exceptional	Strong	$2,565Fees	0.226%Above	139
18	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,042Fees	0.087%Above	93
19	Truliant Federal Credit UnionCredit Union	Strong	Strong	Sound	Strong	$930Fees	0.208%Above	65
20	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$247Fees	0.099%Above	39
21	CPM Federal Credit UnionCredit Union	Strong	Strong	Sound	Strong	$2,574Fees	0.482%Below	34
22	STATE EMPLOYEES'Credit Union	Strong	Strong	Strong	Sound	$2,383Fees	0.584%Below	31
23	Pinnacle BankBank	Strong	Strong	Strong	Sound	$2,157Fees	0.013%Below	30
24	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$923Fees	0.244%Above	29
25	CRESCENT MORTGAGE COMPANYIndependent Mortgage Company	Strong	Strong	Sound	Strong	$1,649Fees	0.267%Above	28
26	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,144Fees	0.318%Above	1,063
27	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,957Fees	0.129%Above	653
28	Southern First BankBank	Strong	Sound	Sound	Exceptional	$1,745Fees	0.220%Above	395
29	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,940Fees	0.363%Above	268
30	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,092Fees	0.403%Above	213
31	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,085Fees	0.135%Above	195
32	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,450Fees	0.296%Above	183
33	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,398Fees	0.029%Above	94
34	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Strong	$1,136Fees	0.021%Above	70
35	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,967Fees	0.260%Above	70
36	First Community BankBank	Strong	Sound	Strong	Strong	$2,575Fees	0.347%Above	65
37	DELMAR FINANCIAL COMPANYIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,975Fees	0.336%Above	59
38	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,752Fees	0.478%Above	44
39	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,151Fees	0.589%Above	251
40	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,793Fees	0.500%Above	152
41	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	$2,124Fees	0.139%Above	109
42	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	$2,682Fees	0.235%Above	73
43	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,826Fees	0.479%Above	68
44	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,172Fees	0.424%Above	63
45	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,088Fees	0.619%Above	60
46	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,823Fees	0.090%Below	57
47	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$2,087Fees	0.065%Above	38
48	Regions BankBank	Strong	Sound	Strong	Sound	$1,703Fees	0.291%Above	32
49	MORTGAGE ASSURANCE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,977Fees	0.317%Above	30
50	RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$2,742Fees	0.266%Above	28

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 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.