Safe Rate Rankings

Best Conventional Mortgage Companie 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	FIRST CONTINENTAL MORTGAGE, LTD.Independent Mortgage Company	Exceptional	Exceptional	Acceptable	Sound	Exceptional	$52Credit	0.563%Below	79
2	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,019Fees	0.199%Above	591
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,182Fees	0.004%Above	513
4	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Exceptional	$2,769Fees	0.047%Above	197
5	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,613Fees	0.045%Above	91
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,607Fees	0.094%Above	69
7	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,640Fees	0.330%Above	184
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,094Fees	0.338%Above	176
9	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,585Fees	0.235%Above	24
10	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,153Fees	0.199%Below	17
11	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,673Fees	0.380%Above	566
12	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,117Fees	0.009%Above	86
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,262Fees	0.253%Above	82
14	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,647Fees	0.427%Above	46
15	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$3,332Fees	0.064%Below	31
16	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,366Fees	0.430%Below	15
17	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,161Fees	0.245%Above	15
18	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$3,535Fees	0.626%Above	285
19	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,124Fees	0.210%Above	44
20	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,204Fees	0.260%Above	34
21	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,523Fees	0.430%Above	31
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,086Fees	0.265%Above	30
23	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,140Fees	0.299%Above	30
24	LOANSTEADY LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,161Fees	0.209%Above	23
25	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,761Fees	0.254%Above	19
26	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,845Fees	0.372%Above	16
27	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,924Fees	0.517%Above	13
28	BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$4,794Fees	0.376%Above	126
29	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,295Fees	0.390%Above	37
30	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,022Fees	0.498%Above	27
31	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,782Fees	0.481%Above	20
32	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,347Fees	0.602%Above	37
33	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,353Fees	0.744%Above	22
34	AAA CAPITAL INVESTMENT, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,037Fees	0.503%Above	16
35	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Strong	Acceptable	Sound	$3,501Fees	0.828%Above	20

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.