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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $531 | -0.522% | 106 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,513 | +0.268% | 60 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,010 | -0.094% | 48 | |
4 | FIRST CONTINENTAL MORTGAGE, LTD. | Exceptional | Exceptional | Acceptable | Sound | Exceptional | -$52 | -0.563% | 79 | |
5 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,221 | +0.012% | 57 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $463 | -0.048% | 25 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $451 | -0.458% | 14 | |
8 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,217 | +0.151% | 13 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,019 | +0.199% | 591 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,182 | +0.004% | 513 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,769 | +0.047% | 197 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,049 | +0.130% | 109 | |
13 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,632 | +0.082% | 95 | |
14 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,219 | +0.237% | 95 | |
15 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,613 | +0.045% | 91 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,607 | +0.094% | 69 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640 | +0.330% | 184 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,094 | +0.338% | 176 | |
19 | NexBank | Strong | Sound | Strong | Strong | Strong | $2,333 | +0.435% | 82 | |
20 | COLONY BANK | Strong | Sound | Strong | Strong | Strong | $3,210 | +0.173% | 42 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,585 | +0.235% | 24 | |
22 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $4,153 | -0.199% | 17 | |
23 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $2,326 | +0.541% | 15 | |
24 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,673 | +0.380% | 566 | |
25 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,655 | +0.130% | 90 | |
26 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,117 | +0.009% | 86 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,262 | +0.253% | 82 | |
28 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,766 | +0.343% | 78 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,647 | +0.427% | 46 | |
30 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Strong | $4,674 | +0.065% | 44 | |
31 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Sound | $3,332 | -0.064% | 31 | |
32 | Synovus Bank | Strong | Sound | Strong | Strong | Sound | $1,892 | -0.092% | 23 | |
33 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Sound | $2,161 | +0.245% | 15 | |
34 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Sound | $2,366 | -0.430% | 15 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,535 | +0.626% | 285 | |
36 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,124 | +0.210% | 44 | |
37 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,204 | +0.260% | 34 | |
38 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,523 | +0.430% | 31 | |
39 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,140 | +0.299% | 30 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,086 | +0.265% | 30 | |
41 | LOANSTEADY LLC | Strong | Sound | Strong | Sound | Sound | $3,161 | +0.209% | 23 | |
42 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,761 | +0.254% | 19 | |
43 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,912 | +0.387% | 19 | |
44 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,845 | +0.372% | 16 | |
45 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,924 | +0.517% | 13 | |
46 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Sound | $1,025 | +0.285% | 13 | |
47 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,295 | +0.390% | 37 | |
48 | Magnolia Bank, Incorporated | Strong | Acceptable | Strong | Strong | Sound | $2,526 | +0.215% | 31 | |
49 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Sound | $1,782 | +0.481% | 20 | |
50 | Queensborough National Bank & Trust Company | Strong | Acceptable | Strong | Strong | Sound | $3,441 | +0.205% | 15 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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