# Best FHA Mortgage Lenders in Spartanburg, SC

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

Compare the top FHA 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/fha-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 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 89 | 61 | 79 | 180 | Independent Mortgage Company |
| 2 | First Heritage Mortgage, LLC | 89 | 68 | 84 | 115 | Independent Mortgage Company |
| 3 | FBC MORTGAGE, LLC | 89 | 77 | 82 | 99 | Independent Mortgage Company |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 279 | Independent Mortgage Company |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 88 | 59 | 83 | 162 | Independent Mortgage Company |
| 6 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 88 | Independent Mortgage Company |
| 7 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 253 | Independent Mortgage Company |
| 8 | JET HOMELOANS, LP | 83 | 88 | 84 | 18 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 444 | Independent Mortgage Company |
| 10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 80 | 22 | 82 | 212 | Independent Mortgage Company |
| 11 | THE LOAN STORE, INC. | 79 | 49 | 72 | 108 | Independent Mortgage Company |
| 12 | INSPIRE HOME LOANS INC. | 79 | 53 | 75 | 84 | Independent Mortgage Company |
| 13 | Flagstar Bank, N.A. | 79 | 58 | 71 | 69 | Bank |
| 14 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 51 | Independent Mortgage Company |
| 15 | Renasant Bank | 79 | 51 | 79 | 44 | Bank |
| 16 | Ameris Bank | 79 | 50 | 78 | 41 | Bank |
| 17 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 173 | Independent Mortgage Company |
| 18 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 28 | 84 | 80 | Independent Mortgage Company |
| 19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 78 | Independent Mortgage Company |
| 20 | Truist Bank | 74 | 75 | 53 | 63 | Bank |
| 21 | Southern First Bank | 74 | 64 | 45 | 44 | Bank |
| 22 | GoodLeap, LLC | 73 | 62 | 58 | 15 | Independent Mortgage Company |
| 23 | LOWER, LLC | 71 | 29 | 66 | 75 | Independent Mortgage Company |
| 24 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 75 | 65 | Independent Mortgage Company |
| 25 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 63 | Independent Mortgage Company |
| 26 | T2 FINANCIAL LLC | 70 | 29 | 82 | 21 | Independent Mortgage Company |
| 27 | NFM, INC. | 70 | 40 | 83 | 21 | Independent Mortgage Company |
| 28 | Countybank | 69 | 43 | 61 | 25 | Bank |
| 29 | DELMAR FINANCIAL COMPANY | 69 | 41 | 73 | 16 | Independent Mortgage Company |
| 30 | NEWREZ LLC | 68 | 52 | 56 | 30 | Independent Mortgage Company |
| 31 | GUARANTEED RATE, INC. | 66 | 38 | 68 | 32 | Independent Mortgage Company |
| 32 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 66 | 21 | 76 | 17 | Independent Mortgage Company |
| 33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 16 | Independent Mortgage Company |
| 34 | Paramount Residential Mortgage Group, Inc. | 66 | 33 | 72 | 16 | Independent Mortgage Company |
| 35 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 15 | Independent Mortgage Company |
| 36 | AMERICAN FINANCIAL NETWORK, INC. | 66 | 25 | 69 | 13 | Independent Mortgage Company |
| 37 | AMERICAN PACIFIC MORTGAGE CORPORATION | 63 | 10 | 81 | 44 | Independent Mortgage Company |
| 38 | RESOURCE FINANCIAL SERVICES, INC. | 63 | 37 | 79 | 19 | Independent Mortgage Company |
| 39 | SOUTHPOINT FINANCIAL SERVICES, INC. | 63 | 30 | 76 | 18 | Independent Mortgage Company |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 24 | Independent Mortgage Company |
| 41 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 17 | Independent Mortgage Company |
| 42 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 93 | Independent Mortgage Company |
| 43 | Luminate Home Loans, Inc. | 60 | 11 | 63 | 54 | Independent Mortgage Company |
| 44 | ACOPIA, LLC | 57 | 17 | 74 | 94 | Independent Mortgage Company |
| 45 | GO MORTGAGE, LLC | 57 | 16 | 67 | 50 | Independent Mortgage Company |
| 46 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 48 | Independent Mortgage Company |
| 47 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 39 | Independent Mortgage Company |
| 48 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 56 | 9 | 74 | 23 | Independent Mortgage Company |
| 49 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 56 | 17 | 70 | 22 | Independent Mortgage Company |
| 50 | SOUTHWEST FUNDING, LP | 56 | 7 | 74 | 17 | 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.