Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	SAFE FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$615Fees	0.123%Below	46
2	First Reliance BankBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,415Fees	0.032%Below	71
3	First BankBank	Exceptional	Exceptional	Strong	Strong	Sound	$789Fees	0.183%Below	15
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,190Fees	0.229%Below	15
5	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,267Fees	0.456%Above	12
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,610Fees	0.444%Above	172
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,570Fees	0.297%Above	20
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,527Fees	0.322%Above	149
9	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,502Fees	0.671%Above	107
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,027Fees	0.659%Above	106
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,079Fees	0.052%Below	49
12	RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,954Fees	0.306%Above	42
13	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,860Fees	0.497%Above	17
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$657Fees	0.303%Above	11
15	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$1,799Fees	0.426%Above	93
16	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,118Fees	0.624%Above	48
17	First-Citizens Bank & Trust CompanyBank	Strong	Sound	Strong	Sound	Strong	$1,601Fees	0.016%Below	36
18	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,460Fees	0.128%Below	11
19	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Strong	Strong	Strong	$3,972Fees	0.429%Above	41
20	GO MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$4,307Fees	0.603%Above	35
21	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,331Fees	0.640%Above	22
22	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,520Fees	0.597%Above	18
23	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,926Fees	0.684%Above	14
24	MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,932Fees	0.420%Above	28
25	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,926Fees	0.809%Above	11
26	SOUTH CAROLINA FEDERAL CREDIT UNIONCredit Union	Strong	Acceptable	Strong	Strong	Sound	$2,937Fees	0.165%Above	10

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.