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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 Conventional Mortgage Company Lenders in Spartanburg
Updated February 5, 2026
Market Overview
44
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 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,214 | -0.882% | 253 | |
2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,277 | +0.409% | 180 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,142 | -0.225% | 162 | |
4 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,660 | +0.061% | 115 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,830 | +0.335% | 444 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,162 | +0.178% | 279 | |
7 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,851 | +0.214% | 212 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,733 | +0.382% | 173 | |
9 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,681 | +0.452% | 80 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,248 | +0.057% | 51 | |
11 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,978 | +0.245% | 24 | |
12 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,278 | +0.168% | 21 | |
13 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,651 | +0.064% | 108 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,827 | +0.556% | 93 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,529 | +0.262% | 88 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,124 | +0.507% | 78 | |
17 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,390 | +0.656% | 75 | |
18 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,933 | -0.069% | 65 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,675 | +0.387% | 63 | |
20 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $2,820 | +0.401% | 19 | |
21 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Sound | $2,752 | +0.013% | 18 | |
22 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Sound | $2,697 | +0.435% | 16 | |
23 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $3,058 | +0.261% | 84 | |
24 | GO MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,027 | +0.581% | 50 | |
25 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,241 | +0.761% | 48 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,318 | +0.794% | 39 | |
27 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,468 | +0.322% | 32 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,811 | +0.417% | 21 | |
29 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,768 | +0.496% | 21 | |
30 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,942 | +0.039% | 15 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,561 | +0.583% | 14 | |
32 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $756 | -0.616% | 99 | |
33 | ACOPIA, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,006 | -0.015% | 94 | |
34 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $3,542 | +0.093% | 54 | |
35 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,108 | +0.641% | 44 | |
36 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,510 | +0.581% | 30 | |
37 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,146 | +0.788% | 17 | |
38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,414 | +0.492% | 22 | |
39 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,461 | +0.685% | 21 | |
40 | ON Q FINANCIAL, LLC | Sound | Acceptable | Strong | Sound | Sound | $3,848 | +0.356% | 18 | |
41 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,560 | +0.382% | 14 | |
42 | AgFirst Farm Credit Bank | Sound | Mediocre | Strong | Strong | Sound | $4,510 | +0.627% | 15 | |
43 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $2,020 | +1.198% | 14 |
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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