Safe Rate Rankings

Best All Lender Mortgage Lenders in Savannah

Updated May 21, 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 Lenders87

Total Loans5,625

Median Rate Spread0.24%

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

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.