Safe Rate Rankings

Best FHA 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%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First Reliance BankBank	Exceptional	Exceptional	Sound	Strong	Exceptional	$1,415Fees	0.032%Below	71
2	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,049Fees	1.002%Below	35
3	INSPIRE HOME LOANS INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,799Fees	0.426%Above	93
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,079Fees	0.052%Below	49
5	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,684Fees	0.350%Below	12
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,610Fees	0.444%Above	172
7	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,027Fees	0.659%Above	106
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,527Fees	0.322%Above	149
9	Magnolia Bank, IncorporatedBank	Strong	Sound	Strong	Strong	Strong	$3,972Fees	0.429%Above	41
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,052Fees	0.643%Above	19
11	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Sound	$774Fees	0.445%Above	15
12	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,118Fees	0.624%Above	48
13	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,520Fees	0.597%Above	18
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,502Fees	0.671%Above	107
15	RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,954Fees	0.306%Above	42
16	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,331Fees	0.640%Above	22
17	SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,804Fees	0.387%Above	16
18	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,834Fees	1.543%Above	15
19	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,203Fees	0.240%Above	11
20	GO MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$4,307Fees	0.603%Above	35
21	MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$3,932Fees	0.420%Above	28
22	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$1,926Fees	0.684%Above	14

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.