# Best VA Mortgage Lenders in Spartanburg, SC

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

Compare the top VA 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/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 279 | Independent Mortgage Company |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 95 | 79 | 86 | 162 | Independent Mortgage Company |
| 3 | FBC MORTGAGE, LLC | 95 | 85 | 87 | 99 | Independent Mortgage Company |
| 4 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 88 | 48 | 82 | 212 | Independent Mortgage Company |
| 5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 88 | 56 | 81 | 180 | Independent Mortgage Company |
| 6 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 173 | Independent Mortgage Company |
| 7 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 88 | Independent Mortgage Company |
| 8 | INSPIRE HOME LOANS INC. | 85 | 66 | 78 | 84 | Independent Mortgage Company |
| 9 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 51 | Independent Mortgage Company |
| 10 | LOANDEPOT.COM, LLC | 83 | 53 | 69 | 253 | Independent Mortgage Company |
| 11 | First Heritage Mortgage, LLC | 83 | 52 | 90 | 115 | Independent Mortgage Company |
| 12 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 47 | Credit Union |
| 13 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 444 | Independent Mortgage Company |
| 14 | THE LOAN STORE, INC. | 79 | 51 | 75 | 108 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 78 | Independent Mortgage Company |
| 16 | USAA Federal Savings Bank | 73 | 62 | 58 | 16 | Bank |
| 17 | Mortgage Research Center, LLC | 71 | 34 | 61 | 120 | Independent Mortgage Company |
| 18 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 93 | Independent Mortgage Company |
| 19 | LOWER, LLC | 71 | 25 | 63 | 75 | Independent Mortgage Company |
| 20 | Sierra Pacific Mortgage Company, Inc. | 71 | 38 | 77 | 65 | Independent Mortgage Company |
| 21 | GUILD MORTGAGE COMPANY LLC | 71 | 22 | 77 | 63 | Independent Mortgage Company |
| 22 | ACOPIA, LLC | 67 | 23 | 66 | 94 | Independent Mortgage Company |
| 23 | Luminate Home Loans, Inc. | 57 | 6 | 65 | 54 | Independent Mortgage Company |
| 24 | NEW DAY FINANCIAL, LLC | 52 | 2 | 49 | 20 | 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.