Safe Rate Rankings

Best All Lender Mortgage Lenders in Florence

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 Lenders37

Total Loans1,420

Median Rate Spread0.28%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	SAFE FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	$615Fees	0.123%Below	46
2	First Reliance BankBank	Exceptional	Strong	Strong	Exceptional	$1,415Fees	0.032%Below	71
3	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$1,049Fees	1.002%Below	35
4	First-Citizens Bank & Trust CompanyBank	Strong	Strong	Strong	Strong	$1,601Fees	0.016%Below	36
5	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,799Fees	0.426%Above	93
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,079Fees	0.052%Below	49
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,610Fees	0.444%Above	172
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,527Fees	0.322%Above	149
9	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,027Fees	0.659%Above	106
10	RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,954Fees	0.306%Above	42
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,570Fees	0.297%Above	20
12	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,502Fees	0.671%Above	107
13	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,118Fees	0.624%Above	48
14	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Exceptional	Strong	$3,972Fees	0.429%Above	41
15	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$2,331Fees	0.640%Above	22
16	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$43Credit	0.187%Above	60
17	MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,932Fees	0.420%Above	28
18	GO MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,307Fees	0.603%Above	35

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.