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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 Mortgage Lenders in Savannah
Updated February 5, 2026
Market Overview
87
Total Lenders
5,625
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FIRST CONTINENTAL MORTGAGE, LTD. | Exceptional | Exceptional | Strong | Exceptional | -$52 | -0.563% | 79 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $531 | -0.522% | 106 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,182 | +0.004% | 513 | |
4 | Truist Bank | Strong | Strong | Strong | Strong | $1,513 | +0.268% | 60 | |
5 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,010 | -0.094% | 48 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $2,769 | +0.047% | 197 | |
7 | Ameris Bank | Strong | Sound | Exceptional | Strong | $3,219 | +0.237% | 95 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $3,613 | +0.045% | 91 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,221 | +0.012% | 57 | |
10 | COLONY BANK | Strong | Sound | Exceptional | Strong | $3,210 | +0.173% | 42 | |
11 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $463 | -0.048% | 25 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,019 | +0.199% | 591 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,640 | +0.330% | 184 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,094 | +0.338% | 176 | |
15 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,794 | +0.376% | 126 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,049 | +0.130% | 109 | |
17 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $1,632 | +0.082% | 95 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,117 | +0.009% | 86 | |
19 | NexBank | Strong | Sound | Strong | Strong | $2,333 | +0.435% | 82 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,607 | +0.094% | 69 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,535 | +0.626% | 285 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,262 | +0.253% | 82 | |
23 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $4,674 | +0.065% | 44 | |
24 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $3,124 | +0.210% | 44 | |
25 | General Mortgage Capital Corporation | Strong | Sound | Strong | Sound | $3,332 | -0.064% | 31 | |
26 | LoanUnited.com, LLC | Strong | Sound | Sound | Strong | $2,444 | -0.195% | 31 | |
27 | LOANSTEADY LLC | Strong | Sound | Strong | Sound | $3,161 | +0.209% | 23 | |
28 | Synovus Bank | Strong | Sound | Strong | Sound | $1,892 | -0.092% | 23 | |
29 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | $1,782 | +0.481% | 20 | |
30 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $2,673 | +0.380% | 566 | |
31 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,655 | +0.130% | 90 | |
32 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,766 | +0.343% | 78 | |
33 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,647 | +0.427% | 46 | |
34 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $4,347 | +0.602% | 37 | |
35 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,438 | -0.162% | 35 | |
36 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,204 | +0.260% | 34 | |
37 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Sound | $2,526 | +0.215% | 31 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,585 | +0.235% | 24 | |
39 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $4,295 | +0.390% | 37 | |
40 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,523 | +0.430% | 31 | |
41 | EMM LOANS LLC | Sound | Acceptable | Strong | Sound | $2,140 | +0.299% | 30 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $4,086 | +0.265% | 30 | |
43 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $1,064 | +0.427% | 26 | |
44 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $3,888 | +0.483% | 26 | |
45 | SOUTHPOINT FINANCIAL SERVICES, INC. | Sound | Acceptable | Strong | Sound | $5,663 | +0.652% | 21 | |
46 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $4,422 | +0.422% | 20 | |
47 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $3,022 | +0.498% | 27 | |
48 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $2,820 | +0.776% | 24 | |
49 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Sound | $5,353 | +0.744% | 22 | |
50 | The Federal Savings Bank | Sound | Mediocre | Sound | Sound | $4,002 | +0.656% | 23 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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