# Best Mortgage Lenders in Florence, SC

**As of:** 2026-05-21

Compare the top mortgage lenders in Florence, SC. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/florence-sc/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 37
- **Total Loans:** 1,420
- **Median Rate Spread:** 0.28430555555555553%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | SAFE FEDERAL CREDIT UNION | 93 | 93 | 70 | 46 | Credit Union |
| 2 | First Reliance Bank | 86 | 62 | 73 | 71 | Bank |
| 3 | FBC MORTGAGE, LLC | 86 | 60 | 83 | 35 | Independent Mortgage Company |
| 4 | First-Citizens Bank & Trust Company | 80 | 60 | 62 | 36 | Bank |
| 5 | INSPIRE HOME LOANS INC. | 78 | 43 | 75 | 93 | Independent Mortgage Company |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 49 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 172 | Independent Mortgage Company |
| 8 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 149 | Independent Mortgage Company |
| 9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 106 | Independent Mortgage Company |
| 10 | RESOURCE FINANCIAL SERVICES, INC. | 73 | 41 | 80 | 42 | Independent Mortgage Company |
| 11 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 107 | Independent Mortgage Company |
| 12 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 48 | Independent Mortgage Company |
| 13 | Magnolia Bank, Incorporated | 68 | 37 | 82 | 41 | Bank |
| 14 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 22 | Independent Mortgage Company |
| 15 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 20 | Bank |
| 16 | Mortgage Research Center, LLC | 63 | 34 | 70 | 60 | Independent Mortgage Company |
| 17 | MORTGAGE EQUITY PARTNERS LLC | 63 | 26 | 70 | 28 | Independent Mortgage Company |
| 18 | GO MORTGAGE, LLC | 50 | 19 | 62 | 35 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Florence, SC.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.