Refinancing lenders in Spartanburg County
1,078 refinancing mortgages were made in Spartanburg County, South Carolina, in 2025, by 224 lenders. The median rate their borrowers got was 6.125% on a median loan of $245,000. Of 1,451 decisions, 277 were denials — 19.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 117 | 5.749% | $295,000 | 13.5% |
| Rocket Mortgage, LLC | 102 | 5.963% | $225,000 | 19.6% |
| FREEDOM MORTGAGE CORPORATION | 85 | 6.250% | $275,000 | 5.8% |
| PENNYMAC LOAN SERVICES, LLC | 55 | 5.750% | $285,000 | 16.4% |
| Truist Bank | 45 | 6.375% | $105,000 | 20.0% |
| First-Citizens Bank & Trust Company | 42 | 6.300% | $105,000 | 25.0% |
| United Community Bank | 34 | 6.500% | $140,000 | 21.7% |
| NEWREZ LLC | 25 | 5.990% | $305,000 | 23.5% |
| Mortgage Research Center, LLC | 24 | 5.750% | $260,000 | 44.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 24 | 6.125% | $285,000 | 4.0% |
| Bank of America, National Association | 22 | 6.490% | $105,000 | 40.5% |
| LAKEVIEW LOAN SERVICING, LLC | 18 | 6.250% | $285,000 | 36.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 17 | 5.750% | $285,000 | 16.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 15 | 6.250% | $275,000 | 18.2% |
| FOUNDERS FEDERAL CREDIT UNION | 14 | 6.000% | $250,000 | 21.1% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.490% | $245,000 | 12.5% |
| Countybank | 11 | 5.990% | $265,000 | 8.3% |
| Spero Financial | 11 | Not published | $105,000 | 12.5% |
| TD Bank, National Association | 10 | 8.115% | $165,000 | 16.7% |
| PLANET HOME LENDING, LLC | 10 | 5.750% | $270,000 | 23.1% |
| Luminate Bank | 10 | 6.063% | $300,000 | 0.0% |
| MILEND, INC. | 9 | Under 10 loans | Under 10 loans | 23.1% |
| MOVEMENT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| CPM Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SouthState Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Synovus Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First Piedmont Federal Savings and Loan Association of Gaffney | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Southern First Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 30.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 22.2% |
| ROYAL UNITED MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Arthur State Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| SOUTH RIVER MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 66.7% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| S. C. STATE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 28.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 42.9% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LADERA LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SHARONVIEW FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Alcova Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STATE EMPLOYEES' | 2 | Under 10 loans | Under 10 loans | 33.3% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CAROLINA FOOTHILLS | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Woodruff Federal Savings and Loan Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of Travelers Rest | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenville Heritage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCOTT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Building and Loan, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Reliance Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morton Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500CBWD5B079K2C86 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 87.5% |
| SERVIS ONE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Mid-Continent Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GREENVILLE | 0 | Under 10 loans | Under 10 loans | Not published |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SKYLA FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GoodLeap, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CAPITAL CENTER, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Reliable Holdings Manager dba Lendz Financial | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| RPE Home, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Blue Ridge Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| RF RENOVO MANAGEMENT COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| GEORGIA'S OWN | 0 | Under 10 loans | Under 10 loans | Not published |
| KEYSTONE FUNDING, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Palmetto Citizens Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Wilmington Savings Fund Society, FSB | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROSS MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 24 lenders each made 0 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.