Safe Rate Rankings

Best VA Mortgage Lenders in Spartanburg

Updated May 21, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders92

Total Loans5,847

Median Rate Spread0.27%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$756Fees	0.616%Below	99
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,162Fees	0.178%Above	279
3	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,142Fees	0.225%Below	162
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,451Fees	0.513%Below	47
5	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,851Fees	0.214%Above	212
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,277Fees	0.409%Above	180
7	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,733Fees	0.382%Above	173
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,529Fees	0.262%Above	88
9	INSPIRE HOME LOANS INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,058Fees	0.261%Above	84
10	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,248Fees	0.057%Above	51
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,214Fees	0.882%Below	253
12	First Heritage Mortgage, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,660Fees	0.061%Above	115
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,830Fees	0.335%Above	444
14	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,651Fees	0.064%Above	108
15	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$2,214Fees	0.069%Below	16
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,124Fees	0.507%Above	78
17	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$897Fees	0.025%Below	120
18	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,827Fees	0.556%Above	93
19	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,390Fees	0.656%Above	75
20	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,933Fees	0.069%Below	65
21	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,675Fees	0.387%Above	63
22	ACOPIA, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,006Fees	0.015%Below	94
23	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$3,542Fees	0.093%Above	54
24	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$6,187Fees	1.369%Above	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.