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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 Conventional Mortgage Bank Lenders in Spartanburg
Updated February 5, 2026
Market Overview
20
Total Lenders
5,847
Total Loans
0.27%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $2,729 | +0.073% | 63 | |
2 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,204 | +0.278% | 43 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,607 | -0.004% | 26 | |
4 | First Reliance Bank | Exceptional | Strong | Strong | Exceptional | Sound | $1,974 | +0.082% | 22 | |
5 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Sound | $1,102 | -0.002% | 13 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,166 | +0.129% | 74 | |
7 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,032 | +0.241% | 67 | |
8 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,673 | +0.228% | 41 | |
9 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | $1,754 | +0.023% | 78 | |
10 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,035 | +0.145% | 69 | |
11 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,448 | +0.340% | 44 | |
12 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,411 | +0.247% | 44 | |
13 | Southern First Bank | Strong | Sound | Strong | Sound | Strong | $1,689 | +0.189% | 44 | |
14 | Countybank | Strong | Sound | Strong | Strong | Sound | $1,405 | +0.279% | 25 | |
15 | United Bank | Strong | Sound | Strong | Strong | Sound | $2,611 | +0.130% | 13 | |
16 | The Park National Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,964 | +0.290% | 23 | |
17 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,214 | -0.069% | 16 | |
18 | First Community Bank | Strong | Sound | Sound | Sound | Sound | $2,478 | +0.573% | 13 | |
19 | Arthur State Bank | Sound | Acceptable | Sound | Sound | Strong | $2,063 | +0.298% | 45 | |
20 | First Piedmont Federal Savings and Loan Association of Gaffney | Sound | Mediocre | Sound | Strong | Strong | $3,231 | +0.340% | 52 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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