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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 Mortgage Company Lenders in Spartanburg
Updated February 5, 2026
Market Overview
37
Total Lenders
4,772
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $756 | -0.616% | 99 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,162 | +0.178% | 279 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $2,277 | +0.409% | 180 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $3,142 | -0.225% | 162 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,214 | -0.882% | 253 | |
6 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $2,660 | +0.061% | 115 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,830 | +0.335% | 444 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $3,851 | +0.214% | 212 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,733 | +0.382% | 173 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,529 | +0.262% | 88 | |
11 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $3,058 | +0.261% | 84 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,248 | +0.057% | 51 | |
13 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $3,681 | +0.452% | 80 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,124 | +0.507% | 78 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,675 | +0.387% | 63 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,468 | +0.322% | 32 | |
17 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $897 | -0.025% | 120 | |
18 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,651 | +0.064% | 108 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,827 | +0.556% | 93 | |
20 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,390 | +0.656% | 75 | |
21 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $2,933 | -0.069% | 65 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,978 | +0.245% | 24 | |
23 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Sound | $4,278 | +0.168% | 21 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,811 | +0.417% | 21 | |
25 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $2,768 | +0.496% | 21 | |
26 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,461 | +0.685% | 21 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,241 | +0.761% | 48 | |
28 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $5,108 | +0.641% | 44 | |
29 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,318 | +0.794% | 39 | |
30 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | $3,006 | -0.015% | 94 | |
31 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $3,542 | +0.093% | 54 | |
32 | GO MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | $4,027 | +0.581% | 50 | |
33 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,510 | +0.581% | 30 | |
34 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $4,021 | +0.724% | 23 | |
35 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $3,414 | +0.492% | 22 | |
36 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $6,187 | +1.369% | 20 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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