Home purchase lenders in Spartanburg County
7,028 home purchase mortgages were made in Spartanburg County, South Carolina, in 2025, by 379 lenders. The median rate their borrowers got was 6.250% on a median loan of $255,000. Of 8,638 decisions, 1,396 were denials — 16.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 560 | 4.990% | $275,000 | 20.6% |
| NVR Mortgage Finance, Inc. | 473 | 5.990% | $245,000 | 23.3% |
| Loandepot.Com, LLC | 361 | 4.875% | $285,000 | 19.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 311 | 5.990% | $255,000 | 51.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 283 | 6.375% | $265,000 | 9.8% |
| LENNAR MORTGAGE, LLC | 238 | 6.125% | $185,000 | 19.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 220 | 6.500% | $220,000 | 1.8% |
| Rocket Mortgage, LLC | 213 | 6.500% | $245,000 | 14.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 198 | 6.250% | $255,000 | 3.7% |
| THE LOAN STORE, INC. | 187 | 6.250% | $245,000 | 2.5% |
| MOVEMENT MORTGAGE, LLC | 181 | 6.500% | $215,000 | 2.4% |
| First Heritage Mortgage, LLC | 169 | 5.990% | $255,000 | 2.3% |
| Fairway Independent Mortgage Corporation | 127 | 6.750% | $235,000 | 3.0% |
| ACOPIA, LLC | 117 | 5.500% | $315,000 | 2.3% |
| Mortgage Research Center, LLC | 112 | 6.500% | $275,000 | 11.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 111 | 6.575% | $265,000 | 5.1% |
| FOUNDERS FEDERAL CREDIT UNION | 109 | 6.250% | $235,000 | 12.8% |
| GUARANTEED RATE, INC. | 102 | 6.500% | $225,000 | 12.8% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 96 | 6.490% | $225,000 | 6.8% |
| 894500CFQPXSLHK0OK52 | 88 | 6.495% | $255,000 | 1.1% |
| LOWER, LLC | 82 | 6.625% | $225,000 | 8.9% |
| First-Citizens Bank & Trust Company | 81 | 6.325% | $265,000 | 8.9% |
| JET HOMELOANS, LP | 72 | 4.990% | $305,000 | 12.9% |
| SouthState Bank, National Association | 63 | 6.500% | $235,000 | 14.7% |
| FBC MORTGAGE, LLC | 59 | 5.490% | $295,000 | 15.7% |
| Truist Bank | 58 | 6.225% | $255,000 | 12.1% |
| Southern First Bank | 55 | 6.500% | $245,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 54 | 6.250% | $220,000 | 3.2% |
| Countybank | 52 | 6.500% | $235,000 | 1.9% |
| JPMorgan Chase Bank, National Association | 51 | 6.375% | $225,000 | 10.5% |
| Kiavi Funding, Inc. | 49 | 10.700% | $175,000 | 3.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 44 | 6.563% | $245,000 | 8.3% |
| Navy Federal Credit Union | 43 | 6.250% | $265,000 | 11.8% |
| GO MORTGAGE, LLC | 39 | 6.500% | $245,000 | 2.3% |
| United Community Bank | 38 | 6.612% | $245,000 | 15.6% |
| Arthur State Bank | 38 | 7.125% | $270,000 | 0.0% |
| A&D Mortgage LLC | 37 | 6.375% | $275,000 | 5.1% |
| Luminate Bank | 37 | 6.250% | $295,000 | 5.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 36 | 6.500% | $220,000 | 0.0% |
| First Piedmont Federal Savings and Loan Association of Gaffney | 36 | 6.750% | $275,000 | 5.1% |
| The Park National Bank | 35 | 6.875% | $225,000 | 7.5% |
| Ameris Bank | 34 | 6.495% | $235,000 | 12.8% |
| Renasant Bank | 34 | 6.188% | $270,000 | 7.9% |
| Broker Solutions, Inc. | 33 | 6.500% | $235,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 33 | 6.490% | $235,000 | 8.1% |
| First Reliance Bank | 33 | 6.500% | $225,000 | 2.9% |
| NFM, INC. | 32 | 6.750% | $265,000 | 0.0% |
| Bank of America, National Association | 31 | 6.000% | $255,000 | 25.0% |
| STATE EMPLOYEES' | 30 | 5.825% | $250,000 | 18.4% |
| Wells Fargo Bank, National Association | 29 | 6.125% | $185,000 | 31.0% |
| TOWNE MORTGAGE COMPANY | 29 | 6.125% | $225,000 | 0.0% |
| Flagstar Bank, N.A. | 26 | 6.375% | $255,000 | 10.3% |
| INSPIRE HOME LOANS INC. | 25 | 4.875% | $235,000 | 18.2% |
| NEWREZ LLC | 24 | 6.500% | $235,000 | 11.1% |
| Paramount Residential Mortgage Group, Inc. | 24 | 6.313% | $240,000 | 4.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 23 | 6.625% | $215,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 23 | 6.500% | $245,000 | 17.9% |
| NATIONSTAR MORTGAGE LLC | 23 | 6.500% | $275,000 | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 22 | 6.938% | $210,000 | 20.0% |
| USAA Federal Savings Bank | 22 | 6.500% | $265,000 | 29.0% |
| CMG MORTGAGE, INC. | 22 | 6.000% | $270,000 | 0.0% |
| KIND LENDING, LLC | 21 | 6.875% | $255,000 | 25.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 21 | 6.500% | $225,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 21 | 6.749% | $185,000 | 0.0% |
| PULTE MORTGAGE LLC | 20 | 5.058% | $295,000 | 25.9% |
| Atlantic Coast Mortgage, LLC | 20 | 6.558% | $270,000 | 0.0% |
| Woodruff Federal Savings and Loan Association | 20 | Not published | $270,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 19 | 6.375% | $265,000 | 24.0% |
| Fifth Third Bank, National Association | 19 | 6.125% | $315,000 | 13.6% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 18 | 6.688% | $240,000 | 10.0% |
| NETWORK FUNDING, L.P. | 18 | 6.433% | $205,000 | 0.0% |
| GENEVA FINANCIAL, LLC | 18 | 6.563% | $285,000 | 0.0% |
| Click n' Close, Inc. | 17 | 6.750% | $185,000 | 10.5% |
| Pinnacle Bank | 17 | 6.250% | $205,000 | 5.6% |
| GoPrime Mortgage, Inc. | 16 | 6.375% | $260,000 | 0.0% |
| DELMAR FINANCIAL COMPANY | 15 | 6.750% | $265,000 | 0.0% |
| First Community Bank | 15 | 6.700% | $265,000 | 6.3% |
| Presidential Bank, FSB | 15 | 6.000% | $185,000 | 16.7% |
| United Bank | 15 | 6.125% | $225,000 | 6.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 15 | 6.250% | $235,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 14 | 6.250% | $225,000 | 12.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 14 | 6.870% | $190,000 | 15.8% |
| RESICENTRAL, LLC | 13 | 6.490% | $215,000 | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 13 | 6.500% | $235,000 | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 13 | 6.375% | $305,000 | 0.0% |
| U.S. Bank National Association | 12 | 6.563% | $250,000 | 20.0% |
| CHAMPIONS FUNDING, LLC | 12 | 7.875% | $270,000 | 14.3% |
| ZILLOW HOME LOANS, LLC | 12 | 6.438% | $175,000 | 0.0% |
| TD Bank, National Association | 11 | 6.375% | $295,000 | 21.4% |
| CPM Federal Credit Union | 11 | 5.790% | $215,000 | 26.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 11 | 7.750% | $265,000 | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 11 | 5.750% | $215,000 | 0.0% |
| First Palmetto Bank | 11 | 6.375% | $225,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.625% | $255,000 | 0.0% |
| HomeTrust Bank | 10 | 6.313% | $225,000 | 16.7% |
| ALAMEDA MORTGAGE CORPORATION | 10 | 6.490% | $245,000 | 0.0% |
| Dollar Bank, Federal Savings Bank | 10 | 6.875% | $390,000 | 0.0% |
| CAROLINA FOOTHILLS | 10 | 6.150% | $260,000 | 0.0% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| T2 FINANCIAL LLC | 9 | Under 10 loans | Under 10 loans | 28.6% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| First National Bank of Pennsylvania | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Bank of Travelers Rest | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| UNITED FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 84.0% |
| FLAT BRANCH MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Alcova Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 48.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SOUTH CAROLINA FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 54.6% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 11.1% |
| Citizens Building and Loan, SSB | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GREENVILLE | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Spero Financial | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| American Security Mortgage Corp. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 4 | Under 10 loans | Under 10 loans | 63.9% |
| CALCON MUTUAL MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Ukrainian Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Fidelity Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 3 | Under 10 loans | Under 10 loans | 76.9% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 44.4% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| S. C. STATE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Coastal Carolina National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Onward Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HQ Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morton Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 20.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Park Lane Finance Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 179 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.