Safe Rate Rankings

Best Mortgage Lenders in Greenville

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders145

Total Loans12,367

Median Rate Spread0.26%

Greenville Market Insights

Rocket Mortgage is Safe Rate's top-ranked lender in Greenville, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Greenville: Bank: First Reliance Bank (#3). Credit union: Navy Federal Credit Union (#4). Mortgage company: Rocket Mortgage (#1).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Greenville, Navy Federal Credit Union and First Palmetto Bank scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #2 in Greenville, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Rocket Mortgage ranks #1 in Greenville, the nation's largest lender by volume.

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,144Fees	0.318%Above	1,063
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$2,971Fees	0.196%Above	606
3	First Reliance Bank BankDirect & Wholesale	Strong	Strong*	Strong	Exceptional	$1,714Fees	0.114%Above	227
4	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$1,232Fees	0.538%Below	122
5	First Palmetto Bank BankDirect	Strong	Strong	Strong	Strong	$1,261Fees	0.259%Above	49
6	FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	$1,066Fees	0.613%Below	134
7	Countybank BankDirect	Strong	Sound	Strong	Exceptional	$2,007Fees	0.250%Above	234
8	First Heritage Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	$2,552Fees	0.173%Above	149
9	Southern First Bank BankDirect	Strong	Sound	Sound	Exceptional	$1,745Fees	0.220%Above	395
10	Truist Bank BankDirect	Strong	Strong	Strong	Strong	$1,666Fees	0.149%Above	152
11	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$2,685Fees	0.360%Below	331
12	Bank of America, National Association BankDirect	Strong	Strong	Strong	Strong	$1,623Fees	0.016%Below	60
13	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,957Fees	0.129%Above	653
14	SouthState Bank, National Association BankDirect	Strong	Sound	Strong	Exceptional	$1,577Fees	0.219%Above	235
15	FOUNDERS FEDERAL CREDIT UNION Credit UnionDirect	Strong	Strong	Strong	Strong	$204Credit	0.171%Below	59
16	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	$3,042Fees	0.087%Above	93
17	First-Citizens Bank & Trust Company BankDirect	Strong	Strong	Strong	Strong	$1,454Fees	0.069%Below	155
18	Ameris Bank BankDirect	Strong	Sound	Exceptional	Strong	$2,565Fees	0.226%Above	139
19	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Sound	$247Fees	0.099%Above	39
20	STATE EMPLOYEES' Credit UnionDirect	Strong	Strong	Strong	Sound	$2,383Fees	0.584%Below	31
21	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,940Fees	0.363%Above	268
22	ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,092Fees	0.403%Above	213
23	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,085Fees	0.135%Above	195
24	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,450Fees	0.296%Above	183
25	First National Bank of Pennsylvania BankDirect	Strong	Sound	Strong	Strong	$1,136Fees	0.021%Above	70
26	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Strong	$2,260Fees	0.099%Above	142
27	Renasant Bank BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$2,124Fees	0.139%Above	109
28	Truliant Federal Credit Union Credit UnionDirect	Strong	Strong	Sound	Strong	$930Fees	0.208%Above	65
29	The Park National Bank BankDirect	Strong	Acceptable	Strong	Strong	$1,350Fees	0.427%Above	82
30	Fifth Third Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$252Fees	0.072%Below	75
31	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Sound	$2,278Fees	0.100%Below	29
32	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,398Fees	0.029%Above	94
33	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	$2,752Fees	0.478%Above	44
34	Pinnacle Bank BankDirect	Strong	Strong	Strong	Sound	$2,157Fees	0.013%Below	30
35	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Exceptional	$3,151Fees	0.589%Above	251
36	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,793Fees	0.500%Above	152
37	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Strong	Strong	$2,052Fees	0.268%Above	87
38	DELMAR FINANCIAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$2,975Fees	0.336%Above	59
39	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Sound	$923Fees	0.244%Above	29
40	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$2,242Fees	0.288%Above	195
41	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Sound	Strong	$2,682Fees	0.235%Above	73
42	CRESCENT MORTGAGE COMPANY Independent Mortgage CompanyDirect	Strong	Strong	Sound	Strong	$1,649Fees	0.267%Above	28
43	First Community Bank BankDirect	Sound	Sound	Strong	Strong	$2,575Fees	0.347%Above	65
44	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	$1,792Fees	0.171%Above	58
45	TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$3,729Fees	0.328%Above	45
46	RESOURCE FINANCIAL SERVICES, INC. Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	$2,742Fees	0.266%Above	28
47	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$3,490Fees	0.591%Above	211
48	NETWORK FUNDING, L.P. Independent Mortgage CompanyDirect	Sound	—	Sound	Strong	—	—	76
49	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Strong	Strong	$1,967Fees	0.260%Above	70
50	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	$2,172Fees	0.424%Above	63

❓ Frequently Asked Questions

How are mortgage lenders ranked in Greenville?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Greenville), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Greenville?+

Based on 2024 HMDA data, 145 lenders originated a combined 12,367 loans in Greenville. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Greenville?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Greenville is 0.26%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Greenville's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.