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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 FHA Mortgage Lenders in Spartanburg
Updated February 5, 2026
Market Overview
92
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 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,277 | +0.409% | 180 | |
2 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,660 | +0.061% | 115 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $756 | -0.616% | 99 | |
4 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Sound | $2,752 | +0.013% | 18 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,162 | +0.178% | 279 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,142 | -0.225% | 162 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,529 | +0.262% | 88 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,214 | -0.882% | 253 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,248 | +0.057% | 51 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,830 | +0.335% | 444 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,851 | +0.214% | 212 | |
12 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,651 | +0.064% | 108 | |
13 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $3,058 | +0.261% | 84 | |
14 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,035 | +0.145% | 69 | |
15 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $2,729 | +0.073% | 63 | |
16 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $2,448 | +0.340% | 44 | |
17 | Southern First Bank | Strong | Strong | Strong | Sound | Strong | $1,689 | +0.189% | 44 | |
18 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,673 | +0.228% | 41 | |
19 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,942 | +0.039% | 15 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,733 | +0.382% | 173 | |
21 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,681 | +0.452% | 80 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,124 | +0.507% | 78 | |
23 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,390 | +0.656% | 75 | |
24 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,933 | -0.069% | 65 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,675 | +0.387% | 63 | |
26 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,510 | +0.581% | 30 | |
27 | Countybank | Strong | Sound | Strong | Strong | Sound | $1,405 | +0.279% | 25 | |
28 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,768 | +0.496% | 21 | |
29 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,461 | +0.685% | 21 | |
30 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Sound | $2,697 | +0.435% | 16 | |
31 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,108 | +0.641% | 44 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,468 | +0.322% | 32 | |
33 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,146 | +0.788% | 17 | |
34 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,139 | +0.421% | 16 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $505 | +0.369% | 16 | |
36 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,698 | +0.929% | 15 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,461 | +0.783% | 13 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,827 | +0.556% | 93 | |
39 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $3,542 | +0.093% | 54 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,978 | +0.245% | 24 | |
41 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,820 | +0.401% | 19 | |
42 | SOUTHPOINT FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | Sound | $3,292 | +0.575% | 18 | |
43 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,071 | +0.738% | 17 | |
44 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,006 | -0.015% | 94 | |
45 | GO MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,027 | +0.581% | 50 | |
46 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,241 | +0.761% | 48 | |
47 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,318 | +0.794% | 39 | |
48 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,021 | +0.724% | 23 | |
49 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,414 | +0.492% | 22 | |
50 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Exceptional | Strong | Sound | $4,335 | +1.008% | 17 |
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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