Safe Rate Rankings

Best Conventional Mortgage Lenders in Sumter

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 Lenders23

Total Loans1,028

Median Rate Spread0.07%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	SAFE FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$506Fees	0.003%Above	106
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$435Fees	0.463%Below	32
3	Trustmark National BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,600Fees	0.258%Above	66
4	First Heritage Mortgage, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,543Fees	0.014%Above	30
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,041Fees	0.361%Above	77
6	RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$2,468Fees	0.304%Above	74
7	Truist BankBank	Strong	Strong	Exceptional	Strong	Acceptable	$2,508Fees	0.203%Above	11
8	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,213Fees	0.150%Above	78
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,939Fees	0.317%Below	49
10	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,195Fees	0.151%Above	61
11	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,789Fees	0.437%Above	43
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Acceptable	$2,703Fees	0.074%Below	11
13	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$793Fees	1.045%Below	104
14	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,868Fees	0.190%Below	29
15	First-Citizens Bank & Trust CompanyBank	Strong	Sound	Strong	Sound	Sound	$1,323Fees	0.086%Above	17

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.