Safe Rate Rankings

Best Conventional Mortgage Lenders in Spartanburg

Updated May 21, 2026

⚖️ 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 Lenders92

Total Loans5,847

Median Rate Spread0.27%

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