Safe Rate Rankings

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

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.