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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 VA 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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $756 | -0.616% | 99 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,162 | +0.178% | 279 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,142 | -0.225% | 162 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,451 | -0.513% | 47 | |
5 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,851 | +0.214% | 212 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,277 | +0.409% | 180 | |
7 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,733 | +0.382% | 173 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,529 | +0.262% | 88 | |
9 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,058 | +0.261% | 84 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,248 | +0.057% | 51 | |
11 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,214 | -0.882% | 253 | |
12 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,660 | +0.061% | 115 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,830 | +0.335% | 444 | |
14 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,651 | +0.064% | 108 | |
15 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,214 | -0.069% | 16 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,124 | +0.507% | 78 | |
17 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $897 | -0.025% | 120 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,827 | +0.556% | 93 | |
19 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,390 | +0.656% | 75 | |
20 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,933 | -0.069% | 65 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,675 | +0.387% | 63 | |
22 | ACOPIA, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,006 | -0.015% | 94 | |
23 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | Strong | $3,542 | +0.093% | 54 | |
24 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | 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 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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