Safe Rate Rankings

Best Conventional Mortgage Lenders in Florence

Updated May 22, 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 Loans1,491

Median Rate Spread0.34%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Trustmark National BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,751Fees	0.365%Above	160
2	Listerhill Credit UnionCredit Union	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,342Fees	0.265%Above	88
3	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$3,539Fees	0.088%Below	11
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,450Fees	0.510%Above	143
5	TVA COMMUNITY CREDIT UNIONCredit Union	Strong	Strong	Acceptable	Exceptional	Strong	$2,017Fees	1.009%Below	23
6	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,463Fees	0.125%Below	15
7	Bank IndependentBank	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,601Fees	0.143%Above	192
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,087Fees	0.291%Above	50
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,841Fees	0.191%Below	25
10	FirstBankBank	Strong	Sound	Exceptional	Strong	Sound	$1,909Fees	0.417%Above	12
11	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$2,525Fees	0.561%Above	152
12	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,897Fees	0.394%Above	59
13	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,285Fees	0.075%Above	58
14	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,447Fees	0.103%Above	47
15	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,001Fees	0.446%Above	43
16	First Federal Bank, A FSBBank	Strong	Acceptable	Strong	Strong	Strong	$3,230Fees	0.010%Below	46
17	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,456Fees	0.350%Above	21
18	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,382Fees	0.190%Above	20
19	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,837Fees	0.123%Above	17
20	United Community BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,434Fees	0.754%Above	15
21	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,632Fees	0.319%Above	13
22	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,738Fees	0.504%Above	12
23	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$2,521Fees	0.148%Above	10
24	CB&S Bank, Inc.Bank	Sound	Acceptable	Sound	Sound	Strong	$1,627Fees	0.265%Above	24
25	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,793Fees	1.191%Above	14
26	Wolfe Financial, IncIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$4,171Fees	0.493%Above	28
27	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$4,591Fees	0.980%Above	25
28	River Bank & TrustBank	Sound	Mediocre	Sound	Sound	Sound	$3,208Fees	0.337%Above	11
29	CIS Financial Services, Inc.Independent Mortgage Company	Acceptable	Acceptable	Mediocre	Mediocre	Sound	$3,144Fees	0.557%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.