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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 Lenders in Spartanburg

Updated February 5, 2026

Market Overview

Total Lenders

5,847

Total Loans

0.27%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,451	-0.513%	47
2	Truist Bank	Exceptional	Strong	Exceptional	Strong	Strong	$2,729	+0.073%	63
3	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,214	-0.882%	253
4	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,277	+0.409%	180
5	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,142	-0.225%	162
6	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,660	+0.061%	115
7	FOUNDERS FEDERAL CREDIT UNION	Exceptional	Strong	Strong	Sound	Exceptional	$340	-0.097%	107
8	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,204	+0.278%	43
9	STATE EMPLOYEES'	Exceptional	Strong	Exceptional	Strong	Sound	$1,983	-0.851%	28
10	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,607	-0.004%	26
11	First Reliance Bank	Exceptional	Strong	Strong	Exceptional	Sound	$1,974	+0.082%	22
12	First National Bank of Pennsylvania	Exceptional	Strong	Exceptional	Strong	Sound	$1,102	-0.002%	13
13	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,830	+0.335%	444
14	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,162	+0.178%	279
15	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,166	+0.129%	74
16	SouthState Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,032	+0.241%	67
17	Ameris Bank	Strong	Sound	Exceptional	Strong	Strong	$2,673	+0.228%	41
18	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,851	+0.214%	212
19	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,733	+0.382%	173
20	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,681	+0.452%	80
21	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,248	+0.057%	51
22	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,978	+0.245%	24
23	Atlantic Coast Mortgage, LLC	Strong	Sound	Exceptional	Strong	Sound	$4,278	+0.168%	21
24	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,651	+0.064%	108
25	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,827	+0.556%	93
26	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,529	+0.262%	88
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,124	+0.507%	78
28	First-Citizens Bank & Trust Company	Strong	Sound	Strong	Sound	Strong	$1,754	+0.023%	78
29	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,390	+0.656%	75
30	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$2,035	+0.145%	69
31	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,933	-0.069%	65
32	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,675	+0.387%	63
33	Renasant Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,448	+0.340%	44
34	United Community Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,411	+0.247%	44
35	Southern First Bank	Strong	Sound	Strong	Sound	Strong	$1,689	+0.189%	44
36	Countybank	Strong	Sound	Strong	Strong	Sound	$1,405	+0.279%	25
37	RESOURCE FINANCIAL SERVICES, INC.	Strong	Sound	Strong	Strong	Sound	$2,820	+0.401%	19
38	JET HOMELOANS, LP	Strong	Sound	Strong	Strong	Sound	$2,752	+0.013%	18
39	DELMAR FINANCIAL COMPANY	Strong	Sound	Strong	Strong	Sound	$2,697	+0.435%	16
40	United Bank	Strong	Sound	Strong	Strong	Sound	$2,611	+0.130%	13
41	INSPIRE HOME LOANS INC.	Strong	Acceptable	Strong	Strong	Strong	$3,058	+0.261%	84
42	GO MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Strong	$4,027	+0.581%	50
43	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,241	+0.761%	48
44	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,318	+0.794%	39
45	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,468	+0.322%	32
46	The Park National Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,964	+0.290%	23
47	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,811	+0.417%	21
48	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,768	+0.496%	21
49	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$3,942	+0.039%	15
50	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,561	+0.583%	14

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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Spartanburg, SCConventional

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