Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FOUNDERS FEDERAL CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Exceptional	$340Fees	0.097%Below	107
2	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$756Fees	0.616%Below	99
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$1,451Fees	0.513%Below	47
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,162Fees	0.178%Above	279
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,277Fees	0.409%Above	180
6	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,142Fees	0.225%Below	162
7	First-Citizens Bank & Trust CompanyBank	Strong	Strong	Strong	Strong	$1,754Fees	0.023%Above	78
8	Truist BankBank	Strong	Strong	Strong	Strong	$2,729Fees	0.073%Above	63
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,214Fees	0.882%Below	253
10	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,660Fees	0.061%Above	115
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,204Fees	0.278%Above	43
12	Ameris BankBank	Strong	Sound	Exceptional	Strong	$2,673Fees	0.228%Above	41
13	STATE EMPLOYEES'Credit Union	Strong	Strong	Strong	Sound	$1,983Fees	0.851%Below	28
14	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$1,607Fees	0.004%Below	26
15	CPM Federal Credit UnionCredit Union	Strong	Strong	Sound	Strong	$1,944Fees	0.575%Below	22
16	First Reliance BankBank	Strong	Strong	Strong	Sound	$1,974Fees	0.082%Above	22
17	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,830Fees	0.335%Above	444
18	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,851Fees	0.214%Above	212
19	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,733Fees	0.382%Above	173
20	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,529Fees	0.262%Above	88
21	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,058Fees	0.261%Above	84
22	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,166Fees	0.129%Above	74
23	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,032Fees	0.241%Above	67
24	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,248Fees	0.057%Above	51
25	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,681Fees	0.452%Above	80
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,124Fees	0.507%Above	78
27	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,675Fees	0.387%Above	63
28	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	$2,448Fees	0.340%Above	44
29	Southern First BankBank	Strong	Sound	Sound	Strong	$1,689Fees	0.189%Above	44
30	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$2,468Fees	0.322%Above	32
31	CountybankBank	Strong	Sound	Strong	Sound	$1,405Fees	0.279%Above	25
32	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$897Fees	0.025%Below	120
33	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,651Fees	0.064%Above	108
34	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,827Fees	0.556%Above	93
35	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,390Fees	0.656%Above	75
36	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,035Fees	0.145%Above	69
37	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,933Fees	0.069%Below	65
38	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$1,978Fees	0.245%Above	24
39	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,278Fees	0.168%Above	21
40	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,768Fees	0.496%Above	21
41	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,811Fees	0.417%Above	21
42	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,461Fees	0.685%Above	21
43	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,241Fees	0.761%Above	48
44	Arthur State BankBank	Sound	Acceptable	Sound	Strong	$2,063Fees	0.298%Above	45
45	United Community BankBank	Sound	Acceptable	Sound	Strong	$2,411Fees	0.247%Above	44
46	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,108Fees	0.641%Above	44
47	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,318Fees	0.794%Above	39
48	The Park National BankBank	Sound	Acceptable	Strong	Sound	$1,964Fees	0.290%Above	23
49	ACOPIA, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,006Fees	0.015%Below	94
50	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,510Fees	0.581%Above	30

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.