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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 Mortgage Lenders in Spartanburg
Updated February 5, 2026
Market Overview
92
Total Lenders
5,847
Total Loans
0.27%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FOUNDERS FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $340 | -0.097% | 107 | |
2 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $756 | -0.616% | 99 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,451 | -0.513% | 47 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,162 | +0.178% | 279 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $2,277 | +0.409% | 180 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $3,142 | -0.225% | 162 | |
7 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $1,754 | +0.023% | 78 | |
8 | Truist Bank | Strong | Strong | Strong | Strong | $2,729 | +0.073% | 63 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,214 | -0.882% | 253 | |
10 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $2,660 | +0.061% | 115 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,204 | +0.278% | 43 | |
12 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,673 | +0.228% | 41 | |
13 | STATE EMPLOYEES' | Strong | Strong | Strong | Sound | $1,983 | -0.851% | 28 | |
14 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,607 | -0.004% | 26 | |
15 | CPM Federal Credit Union | Strong | Strong | Sound | Strong | $1,944 | -0.575% | 22 | |
16 | First Reliance Bank | Strong | Strong | Strong | Sound | $1,974 | +0.082% | 22 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,830 | +0.335% | 444 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $3,851 | +0.214% | 212 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,733 | +0.382% | 173 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,529 | +0.262% | 88 | |
21 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $3,058 | +0.261% | 84 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,166 | +0.129% | 74 | |
23 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $2,032 | +0.241% | 67 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,248 | +0.057% | 51 | |
25 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $3,681 | +0.452% | 80 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,124 | +0.507% | 78 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,675 | +0.387% | 63 | |
28 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $2,448 | +0.340% | 44 | |
29 | Southern First Bank | Strong | Sound | Sound | Strong | $1,689 | +0.189% | 44 | |
30 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,468 | +0.322% | 32 | |
31 | Countybank | Strong | Sound | Strong | Sound | $1,405 | +0.279% | 25 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $897 | -0.025% | 120 | |
33 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,651 | +0.064% | 108 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,827 | +0.556% | 93 | |
35 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,390 | +0.656% | 75 | |
36 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,035 | +0.145% | 69 | |
37 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $2,933 | -0.069% | 65 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,978 | +0.245% | 24 | |
39 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Sound | $4,278 | +0.168% | 21 | |
40 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,811 | +0.417% | 21 | |
41 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $2,768 | +0.496% | 21 | |
42 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,461 | +0.685% | 21 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,241 | +0.761% | 48 | |
44 | Arthur State Bank | Sound | Acceptable | Sound | Strong | $2,063 | +0.298% | 45 | |
45 | United Community Bank | Sound | Acceptable | Sound | Strong | $2,411 | +0.247% | 44 | |
46 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $5,108 | +0.641% | 44 | |
47 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,318 | +0.794% | 39 | |
48 | The Park National Bank | Sound | Acceptable | Strong | Sound | $1,964 | +0.290% | 23 | |
49 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | $3,006 | -0.015% | 94 | |
50 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,510 | +0.581% | 30 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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