# Best Conventional Mortgage Lenders in Florence, SC

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

Compare the top Conventional mortgage lenders in Florence, SC. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | First Reliance Bank | 89 | 61 | 81 | 71 | Bank |
| 2 | SAFE FEDERAL CREDIT UNION | 89 | 93 | 71 | 46 | Credit Union |
| 3 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 172 | Independent Mortgage Company |
| 4 | First Bank | 79 | 81 | 77 | 15 | Bank |
| 5 | Truist Bank | 79 | 71 | 69 | 12 | Bank |
| 6 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 15 | Credit Union |
| 7 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 149 | Independent Mortgage Company |
| 8 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 107 | Independent Mortgage Company |
| 9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 106 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 49 | Independent Mortgage Company |
| 11 | RESOURCE FINANCIAL SERVICES, INC. | 74 | 46 | 68 | 42 | Independent Mortgage Company |
| 12 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 20 | Bank |
| 13 | SouthState Bank, National Association | 73 | 48 | 72 | 17 | Bank |
| 14 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 11 | Bank |
| 15 | INSPIRE HOME LOANS INC. | 71 | 40 | 61 | 93 | Independent Mortgage Company |
| 16 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 48 | Independent Mortgage Company |
| 17 | First-Citizens Bank & Trust Company | 69 | 57 | 59 | 36 | Bank |
| 18 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 11 | Independent Mortgage Company |
| 19 | Magnolia Bank, Incorporated | 67 | 37 | 70 | 41 | Bank |
| 20 | GO MORTGAGE, LLC | 67 | 21 | 63 | 35 | Independent Mortgage Company |
| 21 | GUARANTEED RATE, INC. | 66 | 39 | 65 | 22 | Independent Mortgage Company |
| 22 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 18 | Independent Mortgage Company |
| 23 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 14 | Independent Mortgage Company |
| 24 | MORTGAGE EQUITY PARTNERS LLC | 63 | 28 | 58 | 28 | Independent Mortgage Company |
| 25 | SOUTH CAROLINA FEDERAL CREDIT UNION | 63 | 35 | 60 | 10 | Credit Union |
| 26 | NEWREZ LLC | 62 | 31 | 58 | 11 | Independent Mortgage Company |
| 27 | SPC Credit Union | 40 | N/A | 34 | 13 | Credit Union |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.