# Best Conventional Mortgage Lenders in Spartanburg, SC

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

Compare the top Conventional mortgage lenders in Spartanburg, SC. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Truist Bank | 85 | 71 | 69 | 63 | Bank |
| 2 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 253 | Independent Mortgage Company |
| 3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 40 | 74 | 180 | Independent Mortgage Company |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 45 | 68 | 162 | Independent Mortgage Company |
| 5 | First Heritage Mortgage, LLC | 83 | 47 | 81 | 115 | Independent Mortgage Company |
| 6 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 47 | Credit Union |
| 7 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 444 | Independent Mortgage Company |
| 8 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 279 | Independent Mortgage Company |
| 9 | FOUNDERS FEDERAL CREDIT UNION | 79 | 77 | 58 | 107 | Credit Union |
| 10 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 74 | Bank |
| 11 | SouthState Bank, National Association | 79 | 48 | 72 | 67 | Bank |
| 12 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 43 | Bank |
| 13 | Ameris Bank | 79 | 41 | 76 | 41 | Bank |
| 14 | STATE EMPLOYEES' | 79 | 71 | 73 | 28 | Credit Union |
| 15 | Bank of America, National Association | 79 | 71 | 67 | 26 | Bank |
| 16 | First Reliance Bank | 79 | 61 | 81 | 22 | Bank |
| 17 | First National Bank of Pennsylvania | 79 | 63 | 77 | 13 | Bank |
| 18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 26 | 76 | 212 | Independent Mortgage Company |
| 19 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 173 | Independent Mortgage Company |
| 20 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 25 | 80 | 80 | Independent Mortgage Company |
| 21 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 51 | Independent Mortgage Company |
| 22 | Atlantic Coast Mortgage, LLC | 73 | 40 | 76 | 21 | Independent Mortgage Company |
| 23 | THE LOAN STORE, INC. | 71 | 39 | 71 | 108 | Independent Mortgage Company |
| 24 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 93 | Independent Mortgage Company |
| 25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 78 | Independent Mortgage Company |
| 26 | LOWER, LLC | 71 | 33 | 66 | 75 | Independent Mortgage Company |
| 27 | Flagstar Bank, N.A. | 71 | 34 | 72 | 69 | Bank |
| 28 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 70 | 65 | Independent Mortgage Company |
| 29 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 63 | Independent Mortgage Company |
| 30 | Renasant Bank | 71 | 35 | 77 | 44 | Bank |
| 31 | United Community Bank | 71 | 34 | 65 | 44 | Bank |
| 32 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 88 | Independent Mortgage Company |
| 33 | First-Citizens Bank & Trust Company | 69 | 57 | 59 | 78 | Bank |
| 34 | Southern First Bank | 69 | 54 | 59 | 44 | Bank |
| 35 | Countybank | 69 | 59 | 61 | 25 | Bank |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 24 | Independent Mortgage Company |
| 37 | RESOURCE FINANCIAL SERVICES, INC. | 69 | 46 | 68 | 19 | Independent Mortgage Company |
| 38 | JET HOMELOANS, LP | 69 | 53 | 65 | 18 | Independent Mortgage Company |
| 39 | DELMAR FINANCIAL COMPANY | 69 | 48 | 60 | 16 | Independent Mortgage Company |
| 40 | United Bank | 69 | 53 | 70 | 13 | Bank |
| 41 | INSPIRE HOME LOANS INC. | 67 | 40 | 61 | 84 | Independent Mortgage Company |
| 42 | GO MORTGAGE, LLC | 67 | 21 | 63 | 50 | Independent Mortgage Company |
| 43 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 48 | Independent Mortgage Company |
| 44 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 39 | Independent Mortgage Company |
| 45 | GUARANTEED RATE, INC. | 66 | 39 | 65 | 32 | Independent Mortgage Company |
| 46 | The Park National Bank | 66 | 39 | 76 | 23 | Bank |
| 47 | T2 FINANCIAL LLC | 66 | 26 | 77 | 21 | Independent Mortgage Company |
| 48 | CMG MORTGAGE, INC. | 66 | 34 | 73 | 21 | Independent Mortgage Company |
| 49 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 14 | Independent Mortgage Company |
| 50 | GoodLeap, LLC | 64 | 49 | 51 | 15 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.