Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank IndependentBank	Strong	Sound	Exceptional	Exceptional	$2,601Fees	0.143%Above	192
2	Trustmark National BankBank	Strong	Sound	Exceptional	Exceptional	$1,751Fees	0.365%Above	160
3	Listerhill Credit UnionCredit Union	Strong	Sound	Strong	Exceptional	$2,342Fees	0.265%Above	88
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,087Fees	0.291%Above	50
5	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,525Fees	0.561%Above	152
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,450Fees	0.510%Above	143
7	Regions BankBank	Strong	Sound	Strong	Strong	$1,897Fees	0.394%Above	59
8	TVA COMMUNITY CREDIT UNIONCredit Union	Strong	Strong	Acceptable	Strong	$2,017Fees	1.009%Below	23
9	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,447Fees	0.103%Above	47
10	First Federal Bank, A FSBBank	Strong	Acceptable	Exceptional	Strong	$3,230Fees	0.010%Below	46
11	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,001Fees	0.446%Above	43
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,841Fees	0.191%Below	25
13	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,285Fees	0.075%Above	58
14	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,494Fees	0.532%Above	43
15	Renasant BankBank	Strong	Acceptable	Exceptional	Sound	$2,456Fees	0.350%Above	21
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,382Fees	0.190%Above	20
17	CB&S Bank, Inc.Bank	Sound	Acceptable	Sound	Strong	$1,627Fees	0.265%Above	24
18	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$4,591Fees	0.980%Above	25
19	Wolfe Financial, IncIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$4,171Fees	0.493%Above	28

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.