# Best Mortgage Lenders in Spartanburg, SC

**As of:** 2026-05-21

Compare the top mortgage lenders in Spartanburg, SC. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/spartanburg-sc/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 92
- **Total Loans:** 5,847
- **Median Rate Spread:** 0.26874444444444445%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FOUNDERS FEDERAL CREDIT UNION | 86 | 78 | 62 | 107 | Credit Union |
| 2 | FBC MORTGAGE, LLC | 86 | 60 | 83 | 99 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 279 | Independent Mortgage Company |
| 4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 84 | 46 | 83 | 180 | Independent Mortgage Company |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 84 | 51 | 82 | 162 | Independent Mortgage Company |
| 6 | First-Citizens Bank & Trust Company | 80 | 60 | 62 | 78 | Bank |
| 7 | Truist Bank | 80 | 70 | 68 | 63 | Bank |
| 8 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 253 | Independent Mortgage Company |
| 9 | First Heritage Mortgage, LLC | 78 | 51 | 89 | 115 | Independent Mortgage Company |
| 10 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 47 | Credit Union |
| 11 | Ameris Bank | 78 | 42 | 82 | 41 | Bank |
| 12 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 444 | Independent Mortgage Company |
| 13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 74 | 26 | 83 | 212 | Independent Mortgage Company |
| 14 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 173 | Independent Mortgage Company |
| 15 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 88 | Independent Mortgage Company |
| 16 | INSPIRE HOME LOANS INC. | 73 | 43 | 75 | 84 | Independent Mortgage Company |
| 17 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 74 | Bank |
| 18 | SouthState Bank, National Association | 73 | 49 | 73 | 67 | Bank |
| 19 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 51 | Independent Mortgage Company |
| 20 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 43 | Bank |
| 21 | STATE EMPLOYEES' | 73 | 73 | 74 | 28 | Credit Union |
| 22 | Bank of America, National Association | 73 | 73 | 75 | 26 | Bank |
| 23 | CPM Federal Credit Union | 73 | 66 | 40 | 22 | Credit Union |
| 24 | First Reliance Bank | 73 | 62 | 73 | 22 | Bank |
| 25 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 68 | 25 | 90 | 80 | Independent Mortgage Company |
| 26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 78 | Independent Mortgage Company |
| 27 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 63 | Independent Mortgage Company |
| 28 | Renasant Bank | 68 | 38 | 81 | 44 | Bank |
| 29 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 32 | Independent Mortgage Company |
| 30 | Countybank | 66 | 56 | 69 | 25 | Bank |
| 31 | Southern First Bank | 66 | 53 | 59 | 44 | Bank |
| 32 | Mortgage Research Center, LLC | 63 | 34 | 70 | 120 | Independent Mortgage Company |
| 33 | THE LOAN STORE, INC. | 63 | 40 | 77 | 108 | Independent Mortgage Company |
| 34 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 93 | Independent Mortgage Company |
| 35 | LOWER, LLC | 63 | 30 | 71 | 75 | Independent Mortgage Company |
| 36 | Flagstar Bank, N.A. | 63 | 40 | 76 | 69 | Bank |
| 37 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 65 | Independent Mortgage Company |
| 38 | Atlantic Coast Mortgage, LLC | 62 | 37 | 84 | 21 | Independent Mortgage Company |
| 39 | T2 FINANCIAL LLC | 62 | 26 | 86 | 21 | Independent Mortgage Company |
| 40 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 21 | Independent Mortgage Company |
| 41 | NFM, INC. | 62 | 23 | 87 | 21 | Independent Mortgage Company |
| 42 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 24 | Independent Mortgage Company |
| 43 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 48 | Independent Mortgage Company |
| 44 | Arthur State Bank | 58 | 21 | 53 | 45 | Bank |
| 45 | United Community Bank | 58 | 37 | 53 | 44 | Bank |
| 46 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 39 | Independent Mortgage Company |
| 47 | The Park National Bank | 58 | 39 | 77 | 23 | Bank |
| 48 | AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | 14 | 84 | 44 | Independent Mortgage Company |
| 49 | NEWREZ LLC | 52 | 35 | 59 | 30 | Independent Mortgage Company |
| 50 | ACOPIA, LLC | 50 | 18 | 67 | 94 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Spartanburg, SC.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.