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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Florence
Updated February 5, 2026
Market Overview
37
Total Lenders
1,491
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,751 | +0.365% | 160 | |
2 | Listerhill Credit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,342 | +0.265% | 88 | |
3 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $3,539 | -0.088% | 11 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,450 | +0.510% | 143 | |
5 | TVA COMMUNITY CREDIT UNION | Strong | Strong | Acceptable | Exceptional | Strong | $2,017 | -1.009% | 23 | |
6 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,463 | -0.125% | 15 | |
7 | Bank Independent | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,601 | +0.143% | 192 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,087 | +0.291% | 50 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,841 | -0.191% | 25 | |
10 | FirstBank | Strong | Sound | Exceptional | Strong | Sound | $1,909 | +0.417% | 12 | |
11 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Exceptional | $2,525 | +0.561% | 152 | |
12 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,897 | +0.394% | 59 | |
13 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,285 | +0.075% | 58 | |
14 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,447 | +0.103% | 47 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,001 | +0.446% | 43 | |
16 | First Federal Bank, A FSB | Strong | Acceptable | Strong | Strong | Strong | $3,230 | -0.010% | 46 | |
17 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,456 | +0.350% | 21 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,382 | +0.190% | 20 | |
19 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,837 | +0.123% | 17 | |
20 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,434 | +0.754% | 15 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,632 | +0.319% | 13 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,738 | +0.504% | 12 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,521 | +0.148% | 10 | |
24 | CB&S Bank, Inc. | Sound | Acceptable | Sound | Sound | Strong | $1,627 | +0.265% | 24 | |
25 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,793 | +1.191% | 14 | |
26 | Wolfe Financial, Inc | Sound | Mediocre | Strong | Sound | Sound | $4,171 | +0.493% | 28 | |
27 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Sound | Sound | Sound | $4,591 | +0.980% | 25 | |
28 | River Bank & Trust | Sound | Mediocre | Sound | Sound | Sound | $3,208 | +0.337% | 11 | |
29 | CIS Financial Services, Inc. | Acceptable | Acceptable | Mediocre | Mediocre | Sound | $3,144 | +0.557% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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