Top Mortgage Lenders in Spartanburg, SC

Lender Rankings / Last Updated: January 25, 2021

Which mortgage lender in the Spartanburg, SC area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Spartanburg, SC area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Spartanburg, SC area in terms of interest rate is Bank of America, with an average “Rate Difference” of -0.16%. This means that, comparing similar borrowers, Bank of America provided a -0.16% lower interest rate for its customers than other lenders in the area. Bank of America has a market share of 1.9%. On the other hand, the most popular lender in the Spartanburg, SC area is Quicken Loans, with a larger market share of 12.0%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.05% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Spartanburg, SC area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Spartanburg, SC is Bank of America. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Truist Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Apex Home Loans. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Spartanburg, SC

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.16%(4.5)1.88%
HomeTrust Bank-0.15%(4.0)1.52%
Ameris Bank-0.13%(4.0)2.09%
DHI Mortgage Company Limited-0.13%(4.0)3.00%
Keller Mortgage-0.12%(4.0)0.88%
Apex Home Loans-0.12%(4.0)1.29%
Renasant Bank-0.10%(4.0)1.06%
Navy Federal Credit Union-0.10%(4.0)1.11%
South State Bank-0.10%(4.0)0.92%
Sharonview Federal CU-0.10%(4.0)1.00%
Provident Funding-0.09%(4.0)0.59%
Countybank-0.08%(4.0)1.23%
Freedom Mortgage Corporation-0.08%(4.0)2.03%
Flagstar Bank-0.08%(4.0)0.85%
Amerisave Mortgage Corporation-0.07%(4.0)0.61%
State Employees’ Credit Union-0.07%(4.0)1.29%
Caliber Home Loans-0.06%(4.0)1.55%
SunTrust Bank-0.06%(4.0)0.79%
Truist Bank-0.06%(4.0)2.45%
TD Bank-0.06%(4.0)0.51%
PennyMac Loan Services-0.05%(3.5)1.06%
Wells Fargo Bank-0.04%(3.5)4.01%
First Citizens Bank-0.04%(3.5)2.29%
Southern First Bank-0.03%(3.5)0.51%
JPMorgan Chase Bank-0.03%(3.5)0.82%
USAA-0.02%(3.5)2.03%
loanDepot-0.01%(3.5)2.37%
First Reliance Bank-0.01%(3.5)1.16%
Homeside Financial-0.01%(3.5)0.95%
NVR Mortgage Finance Inc-0.01%(3.5)1.72%
Lakeview Loan Servicing-0.00%(3.5)0.65%
Guaranteed Rate-0.00%(3.5)0.59%
Resource Financial Services0.00%(3.5)0.72%
Founders Federal Credit Union0.00%(3.5)1.33%
United Community Bank0.02%(3.5)1.57%
Atlantic Bay Mortgage Group0.02%(3.5)2.18%
AnnieMac Home Mortgage0.02%(3.5)1.26%
Carrington Mortgage Services0.02%(3.5)0.56%
Cardinal Financial Company0.02%(3.5)0.72%
FirstBank TN0.03%(3.5)1.06%
Network Funding0.03%(3.5)0.62%
Movement Mortgage0.03%(3.5)5.22%
Benchmark0.04%(3.5)5.91%
HomeStar Financial0.05%(3.5)0.75%
Quicken Loans0.05%(3.0)11.98%
New American Funding0.06%(3.0)1.08%
PrimeLending0.06%(3.0)4.81%
Guild Mortgage Company0.06%(3.0)1.77%
Fairway Independent Mortgage Corporation0.06%(3.0)3.99%
On Q Financial0.06%(3.0)1.47%
First Piedmont0.11%(3.0)3.45%
Finance of America Mortgage0.12%(3.0)1.11%
LendUS LLC0.13%(3.0)2.14%
Mr. Cooper0.15%(2.5)1.46%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.20%(4.5)1.67%
HomeTrust Bank-0.17%(4.5)1.39%
Ameris Bank-0.14%(4.0)2.65%
Freedom Mortgage Corporation-0.14%(4.0)2.09%
South State Bank-0.13%(4.0)0.91%
DHI Mortgage Company Limited-0.13%(4.0)4.25%
Apex Home Loans-0.12%(4.0)1.69%
Keller Mortgage-0.12%(4.0)1.23%
Wells Fargo Bank-0.12%(4.0)3.97%
Navy Federal Credit Union-0.11%(4.0)1.42%
Renasant Bank-0.11%(4.0)1.39%
Flagstar Bank-0.10%(4.0)0.88%
loanDepot-0.10%(4.0)1.53%
Provident Funding-0.09%(4.0)0.70%
TD Bank-0.07%(4.0)0.39%
Caliber Home Loans-0.07%(4.0)1.83%
Truist Bank-0.07%(4.0)2.20%
SunTrust Bank-0.06%(4.0)0.77%
Countybank-0.05%(4.0)0.97%
JPMorgan Chase Bank-0.03%(3.5)0.67%
PennyMac Loan Services-0.03%(3.5)0.32%
Sharonview Federal CU-0.03%(3.5)0.44%
State Employees’ Credit Union-0.02%(3.5)0.81%
Homeside Financial-0.02%(3.5)1.11%
Southern First Bank-0.01%(3.5)0.42%
Carrington Mortgage Services-0.01%(3.5)0.14%
Lakeview Loan Servicing-0.01%(3.5)0.07%
NVR Mortgage Finance Inc-0.00%(3.5)2.44%
USAA-0.00%(3.5)2.16%
Resource Financial Services0.00%(3.5)0.91%
Guaranteed Rate0.01%(3.5)0.67%
First Reliance Bank0.01%(3.5)1.21%
First Citizens Bank0.01%(3.5)1.88%
Amerisave Mortgage Corporation0.02%(3.5)0.21%
Cardinal Financial Company0.03%(3.5)0.74%
Atlantic Bay Mortgage Group0.03%(3.5)2.72%
AnnieMac Home Mortgage0.03%(3.5)1.60%
FirstBank TN0.03%(3.5)1.23%
Movement Mortgage0.04%(3.5)6.36%
Network Funding0.04%(3.5)0.74%
Benchmark0.05%(3.5)7.87%
HomeStar Financial0.05%(3.5)1.04%
United Community Bank0.05%(3.0)1.30%
Founders Federal Credit Union0.05%(3.0)0.44%
PrimeLending0.06%(3.0)5.83%
Quicken Loans0.06%(3.0)6.15%
Fairway Independent Mortgage Corporation0.07%(3.0)5.15%
New American Funding0.08%(3.0)1.25%
Guild Mortgage Company0.08%(3.0)2.04%
On Q Financial0.08%(3.0)1.72%
Mr. Cooper0.09%(3.0)0.51%
Finance of America Mortgage0.13%(3.0)1.32%
LendUS LLC0.14%(3.0)2.76%
First Piedmont0.18%(2.5)3.83%
Lender NameRate DifferenceRate RatingMarket Share
First Piedmont-0.13%(4.0)2.55%
Sharonview Federal CU-0.13%(4.0)2.33%
Countybank-0.12%(4.0)1.83%
State Employees’ Credit Union-0.11%(4.0)2.44%
Amerisave Mortgage Corporation-0.11%(4.0)1.55%
Bank of America-0.11%(4.0)2.39%
First Citizens Bank-0.10%(4.0)3.28%
HomeTrust Bank-0.10%(4.0)1.83%
SunTrust Bank-0.07%(4.0)0.83%
Provident Funding-0.06%(4.0)0.33%
First Reliance Bank-0.06%(4.0)1.05%
USAA-0.06%(4.0)1.72%
Southern First Bank-0.06%(4.0)0.72%
PennyMac Loan Services-0.05%(4.0)2.83%
Truist Bank-0.05%(4.0)3.05%
New American Funding-0.04%(3.5)0.67%
Fairway Independent Mortgage Corporation-0.04%(3.5)1.22%
Caliber Home Loans-0.04%(3.5)0.89%
TD Bank-0.04%(3.5)0.78%
AnnieMac Home Mortgage-0.04%(3.5)0.44%
Apex Home Loans-0.03%(3.5)0.33%
JPMorgan Chase Bank-0.03%(3.5)1.17%
Network Funding-0.03%(3.5)0.33%
Guaranteed Rate-0.03%(3.5)0.39%
On Q Financial-0.02%(3.5)0.89%
Atlantic Bay Mortgage Group-0.02%(3.5)0.89%
Resource Financial Services-0.02%(3.5)0.28%
United Community Bank-0.02%(3.5)2.22%
Guild Mortgage Company-0.02%(3.5)1.11%
Renasant Bank-0.02%(3.5)0.28%
Founders Federal Credit Union-0.01%(3.5)3.44%
South State Bank-0.01%(3.5)0.94%
Lakeview Loan Servicing-0.01%(3.5)2.05%
Movement Mortgage-0.00%(3.5)2.50%
Ameris Bank-0.00%(3.5)0.78%
Keller Mortgage-0.00%(3.5)0.06%
Flagstar Bank0.00%(3.5)0.78%
Benchmark0.00%(3.5)1.22%
Navy Federal Credit Union0.01%(3.5)0.39%
HomeStar Financial0.01%(3.5)0.06%
Cardinal Financial Company0.01%(3.5)0.67%
FirstBank TN0.01%(3.5)0.67%
Carrington Mortgage Services0.03%(3.5)1.55%
Finance of America Mortgage0.03%(3.5)0.61%
PrimeLending0.04%(3.5)2.39%
Quicken Loans0.05%(3.5)25.93%
Homeside Financial0.05%(3.0)0.56%
loanDepot0.05%(3.0)4.39%
LendUS LLC0.05%(3.0)0.67%
Freedom Mortgage Corporation0.09%(3.0)1.89%
Wells Fargo Bank0.15%(3.0)4.11%
Mr. Cooper0.17%(2.5)3.72%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.18%(4.5)2.56%
Keller Mortgage-0.16%(4.5)0.97%
HomeTrust Bank-0.15%(4.0)2.38%
DHI Mortgage Company Limited-0.14%(4.0)2.66%
Ameris Bank-0.14%(4.0)1.89%
Renasant Bank-0.11%(4.0)1.07%
South State Bank-0.10%(4.0)1.38%
Countybank-0.10%(4.0)1.46%
Sharonview Federal CU-0.10%(4.0)1.56%
Amerisave Mortgage Corporation-0.10%(4.0)0.74%
Provident Funding-0.09%(4.0)0.92%
Apex Home Loans-0.08%(4.0)1.05%
SunTrust Bank-0.07%(4.0)1.07%
State Employees’ Credit Union-0.07%(4.0)2.02%
Truist Bank-0.06%(4.0)3.53%
TD Bank-0.06%(4.0)0.72%
Flagstar Bank-0.06%(4.0)0.56%
loanDepot-0.05%(4.0)2.23%
Wells Fargo Bank-0.04%(3.5)5.99%
First Citizens Bank-0.04%(3.5)3.35%
Southern First Bank-0.03%(3.5)0.72%
JPMorgan Chase Bank-0.03%(3.5)1.13%
USAA-0.03%(3.5)1.36%
First Reliance Bank-0.01%(3.5)1.82%
Guaranteed Rate-0.00%(3.5)0.67%
Benchmark-0.00%(3.5)4.86%
Founders Federal Credit Union0.00%(3.5)2.07%
Cardinal Financial Company0.01%(3.5)0.31%
New American Funding0.01%(3.5)0.77%
AnnieMac Home Mortgage0.01%(3.5)1.13%
Resource Financial Services0.01%(3.5)0.61%
HomeStar Financial0.02%(3.5)0.31%
Carrington Mortgage Services0.02%(3.5)0.28%
Lakeview Loan Servicing0.02%(3.5)0.03%
NVR Mortgage Finance Inc0.02%(3.5)1.56%
Movement Mortgage0.02%(3.5)4.96%
PennyMac Loan Services0.02%(3.5)0.49%
United Community Bank0.02%(3.5)2.25%
Caliber Home Loans0.03%(3.5)0.72%
Network Funding0.03%(3.5)0.56%
Atlantic Bay Mortgage Group0.03%(3.5)2.05%
Freedom Mortgage Corporation0.05%(3.5)0.49%
FirstBank TN0.05%(3.5)0.87%
Homeside Financial0.05%(3.0)0.72%
Guild Mortgage Company0.05%(3.0)1.13%
Fairway Independent Mortgage Corporation0.05%(3.0)2.92%
LendUS LLC0.06%(3.0)1.97%
PrimeLending0.07%(3.0)4.58%
Navy Federal Credit Union0.07%(3.0)0.64%
On Q Financial0.08%(3.0)1.66%
Finance of America Mortgage0.10%(3.0)1.20%
First Piedmont0.11%(3.0)5.27%
Quicken Loans0.12%(3.0)11.00%
Mr. Cooper0.25%(2.0)0.82%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.22%(4.5)2.22%
HomeTrust Bank-0.17%(4.5)2.26%
Keller Mortgage-0.15%(4.5)1.39%
Ameris Bank-0.14%(4.0)2.64%
DHI Mortgage Company Limited-0.13%(4.0)3.92%
South State Bank-0.13%(4.0)1.47%
loanDepot-0.13%(4.0)1.81%
Wells Fargo Bank-0.13%(4.0)6.06%
Renasant Bank-0.11%(4.0)1.43%
Provident Funding-0.09%(4.0)1.13%
Apex Home Loans-0.08%(4.0)1.43%
TD Bank-0.08%(4.0)0.56%
Flagstar Bank-0.07%(4.0)0.60%
SunTrust Bank-0.07%(4.0)1.05%
Truist Bank-0.07%(4.0)3.24%
Countybank-0.06%(4.0)1.02%
JPMorgan Chase Bank-0.03%(3.5)0.94%
Sharonview Federal CU-0.02%(3.5)0.72%
State Employees’ Credit Union-0.02%(3.5)1.32%
USAA-0.02%(3.5)1.58%
Southern First Bank-0.01%(3.5)0.56%
PennyMac Loan Services0.00%(3.5)0.26%
Benchmark0.00%(3.5)6.44%
First Reliance Bank0.01%(3.5)1.96%
Guaranteed Rate0.01%(3.5)0.79%
First Citizens Bank0.01%(3.5)2.79%
Amerisave Mortgage Corporation0.02%(3.5)0.19%
HomeStar Financial0.02%(3.5)0.41%
NVR Mortgage Finance Inc0.02%(3.5)2.30%
Resource Financial Services0.03%(3.5)0.75%
Movement Mortgage0.03%(3.5)5.99%
Cardinal Financial Company0.03%(3.5)0.30%
AnnieMac Home Mortgage0.03%(3.5)1.43%
Caliber Home Loans0.04%(3.5)0.90%
New American Funding0.04%(3.5)0.83%
Freedom Mortgage Corporation0.04%(3.5)0.41%
Mr. Cooper0.05%(3.5)0.15%
Atlantic Bay Mortgage Group0.05%(3.0)2.41%
Homeside Financial0.05%(3.0)0.72%
Network Funding0.05%(3.0)0.60%
Founders Federal Credit Union0.06%(3.0)0.72%
Guild Mortgage Company0.06%(3.0)1.47%
United Community Bank0.06%(3.0)1.81%
FirstBank TN0.07%(3.0)0.90%
LendUS LLC0.07%(3.0)2.52%
Fairway Independent Mortgage Corporation0.07%(3.0)3.73%
PrimeLending0.08%(3.0)5.50%
Navy Federal Credit Union0.08%(3.0)0.83%
Quicken Loans0.11%(3.0)6.14%
On Q Financial0.11%(3.0)2.00%
Finance of America Mortgage0.12%(3.0)1.39%
First Piedmont0.19%(2.5)6.02%
Lender NameRate DifferenceRate RatingMarket Share
First Piedmont-0.14%(4.0)3.67%
Countybank-0.14%(4.0)2.39%
Sharonview Federal CU-0.14%(4.0)3.35%
Amerisave Mortgage Corporation-0.13%(4.0)1.92%
Bank of America-0.12%(4.0)3.27%
State Employees’ Credit Union-0.12%(4.0)3.51%
First Citizens Bank-0.11%(4.0)4.55%
HomeTrust Bank-0.11%(4.0)2.63%
SunTrust Bank-0.08%(4.0)1.12%
Provident Funding-0.07%(4.0)0.48%
First Reliance Bank-0.07%(4.0)1.52%
Fairway Independent Mortgage Corporation-0.07%(4.0)1.20%
USAA-0.07%(4.0)0.88%
New American Funding-0.07%(4.0)0.64%
AnnieMac Home Mortgage-0.07%(4.0)0.48%
Southern First Bank-0.07%(4.0)1.04%
Truist Bank-0.06%(4.0)4.15%
TD Bank-0.05%(4.0)1.04%
Guaranteed Rate-0.05%(3.5)0.40%
On Q Financial-0.04%(3.5)0.96%
JPMorgan Chase Bank-0.04%(3.5)1.52%
Network Funding-0.04%(3.5)0.48%
Apex Home Loans-0.04%(3.5)0.24%
Cardinal Financial Company-0.03%(3.5)0.32%
Resource Financial Services-0.03%(3.5)0.32%
Atlantic Bay Mortgage Group-0.03%(3.5)1.28%
United Community Bank-0.03%(3.5)3.19%
Renasant Bank-0.03%(3.5)0.32%
Flagstar Bank-0.03%(3.5)0.48%
South State Bank-0.02%(3.5)1.20%
Founders Federal Credit Union-0.02%(3.5)4.95%
Ameris Bank-0.02%(3.5)0.32%
Caliber Home Loans-0.01%(3.5)0.32%
Keller Mortgage-0.01%(3.5)0.08%
Benchmark-0.01%(3.5)1.52%
Movement Mortgage-0.00%(3.5)2.79%
HomeStar Financial-0.00%(3.5)0.08%
Carrington Mortgage Services0.01%(3.5)0.88%
Lakeview Loan Servicing0.01%(3.5)0.08%
FirstBank TN0.01%(3.5)0.80%
Guild Mortgage Company0.01%(3.5)0.40%
Finance of America Mortgage0.02%(3.5)0.80%
Navy Federal Credit Union0.02%(3.5)0.24%
PennyMac Loan Services0.03%(3.5)0.96%
LendUS LLC0.04%(3.5)0.80%
loanDepot0.04%(3.5)3.11%
Homeside Financial0.05%(3.5)0.72%
Freedom Mortgage Corporation0.05%(3.5)0.64%
PrimeLending0.06%(3.0)2.63%
Quicken Loans0.12%(3.0)21.31%
Wells Fargo Bank0.14%(3.0)5.83%
Mr. Cooper0.27%(2.0)2.23%
Lender NameRate DifferenceRate RatingMarket Share
Apex Home Loans-0.17%(4.5)2.14%
Ameris Bank-0.16%(4.5)2.58%
Freedom Mortgage Corporation-0.13%(4.0)5.28%
Flagstar Bank-0.13%(4.0)1.38%
DHI Mortgage Company Limited-0.13%(4.0)4.15%
Renasant Bank-0.12%(4.0)0.94%
Caliber Home Loans-0.12%(4.0)3.14%
Bank of America-0.09%(4.0)0.57%
Quicken Loans-0.07%(4.0)14.40%
Homeside Financial-0.07%(4.0)1.57%
Keller Mortgage-0.04%(3.5)0.82%
NVR Mortgage Finance Inc-0.04%(3.5)2.77%
Countybank-0.04%(3.5)1.01%
Resource Financial Services-0.03%(3.5)0.94%
Atlantic Bay Mortgage Group-0.02%(3.5)2.33%
PennyMac Loan Services-0.02%(3.5)1.13%
Amerisave Mortgage Corporation-0.02%(3.5)0.25%
Truist Bank-0.01%(3.5)0.06%
Southern First Bank-0.01%(3.5)0.19%
SunTrust Bank-0.01%(3.5)0.13%
TD Bank-0.01%(3.5)0.13%
Navy Federal Credit Union-0.01%(3.5)0.06%
FirstBank TN0.00%(3.5)1.70%
Guaranteed Rate0.00%(3.5)0.38%
First Citizens Bank0.02%(3.5)0.25%
United Community Bank0.02%(3.5)0.25%
Carrington Mortgage Services0.02%(3.5)0.75%
Lakeview Loan Servicing0.03%(3.5)1.76%
Network Funding0.03%(3.5)0.63%
Cardinal Financial Company0.03%(3.5)1.70%
On Q Financial0.04%(3.5)1.13%
PrimeLending0.04%(3.5)5.85%
AnnieMac Home Mortgage0.04%(3.5)1.70%
loanDepot0.05%(3.5)1.82%
Movement Mortgage0.06%(3.0)6.54%
Fairway Independent Mortgage Corporation0.06%(3.0)6.54%
HomeStar Financial0.07%(3.0)1.57%
Guild Mortgage Company0.08%(3.0)3.14%
New American Funding0.10%(3.0)2.14%
Benchmark0.11%(3.0)9.12%
Mr. Cooper0.11%(3.0)2.96%
Finance of America Mortgage0.19%(2.5)1.13%
LendUS LLC0.26%(2.0)2.96%
Lender NameRate DifferenceRate RatingMarket Share
Freedom Mortgage Corporation-0.20%(4.5)5.42%
Apex Home Loans-0.19%(4.5)2.47%
Ameris Bank-0.19%(4.5)2.95%
Flagstar Bank-0.15%(4.5)1.51%
Caliber Home Loans-0.14%(4.0)3.59%
DHI Mortgage Company Limited-0.13%(4.0)5.26%
Renasant Bank-0.13%(4.0)1.20%
Bank of America-0.10%(4.0)0.72%
PennyMac Loan Services-0.08%(4.0)0.32%
Homeside Financial-0.08%(4.0)1.91%
Keller Mortgage-0.05%(4.0)1.04%
Countybank-0.05%(3.5)1.12%
NVR Mortgage Finance Inc-0.05%(3.5)3.51%
Resource Financial Services-0.04%(3.5)1.12%
Atlantic Bay Mortgage Group-0.03%(3.5)2.95%
Truist Bank-0.02%(3.5)0.08%
Southern First Bank-0.02%(3.5)0.24%
SunTrust Bank-0.02%(3.5)0.16%
Quicken Loans-0.02%(3.5)6.61%
TD Bank-0.02%(3.5)0.16%
Lakeview Loan Servicing-0.02%(3.5)0.24%
Carrington Mortgage Services-0.02%(3.5)0.32%
FirstBank TN-0.00%(3.5)2.07%
Amerisave Mortgage Corporation-0.00%(3.5)0.08%
Guaranteed Rate-0.00%(3.5)0.48%
First Citizens Bank0.01%(3.5)0.24%
United Community Bank0.01%(3.5)0.32%
loanDepot0.02%(3.5)0.80%
Network Funding0.02%(3.5)0.80%
Cardinal Financial Company0.03%(3.5)1.59%
On Q Financial0.03%(3.5)1.20%
AnnieMac Home Mortgage0.03%(3.5)1.99%
PrimeLending0.04%(3.5)6.77%
Movement Mortgage0.06%(3.0)7.81%
Fairway Independent Mortgage Corporation0.06%(3.0)8.05%
HomeStar Financial0.06%(3.0)1.99%
Benchmark0.10%(3.0)11.39%
Guild Mortgage Company0.10%(3.0)3.19%
New American Funding0.10%(3.0)2.39%
Mr. Cooper0.13%(3.0)1.04%
Finance of America Mortgage0.19%(2.5)1.35%
LendUS LLC0.26%(2.0)3.59%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.08%(4.0)43.58%
PrimeLending-0.01%(3.5)2.39%
Apex Home Loans-0.01%(3.5)0.90%
Movement Mortgage-0.00%(3.5)1.79%
Guild Mortgage Company0.00%(3.5)2.99%
Amerisave Mortgage Corporation0.00%(3.5)0.90%
Countybank0.01%(3.5)0.60%
Caliber Home Loans0.01%(3.5)1.49%
New American Funding0.02%(3.5)1.19%
Navy Federal Credit Union0.02%(3.5)0.30%
PennyMac Loan Services0.02%(3.5)4.18%
Resource Financial Services0.02%(3.5)0.30%
Fairway Independent Mortgage Corporation0.03%(3.5)0.90%
FirstBank TN0.04%(3.5)0.30%
Flagstar Bank0.04%(3.5)0.90%
First Citizens Bank0.04%(3.5)0.30%
Finance of America Mortgage0.04%(3.5)0.30%
Homeside Financial0.05%(3.5)0.30%
On Q Financial0.05%(3.5)0.90%
AnnieMac Home Mortgage0.05%(3.0)0.60%
Lakeview Loan Servicing0.06%(3.0)7.46%
Ameris Bank0.06%(3.0)1.19%
Carrington Mortgage Services0.06%(3.0)2.39%
Cardinal Financial Company0.07%(3.0)2.09%
Benchmark0.08%(3.0)0.60%
loanDepot0.08%(3.0)5.67%
LendUS LLC0.09%(3.0)0.60%
Mr. Cooper0.12%(3.0)10.15%
Freedom Mortgage Corporation0.14%(3.0)4.78%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.02%(3.5)20.00%
JPMorgan Chase Bank-0.02%(3.5)16.67%
Bank of America-0.01%(3.5)10.00%
USAA-0.01%(3.5)3.33%
TD Bank-0.01%(3.5)3.33%
First Citizens Bank-0.00%(3.5)3.33%
Ameris Bank-0.00%(3.5)3.33%
South State Bank0.00%(3.5)3.33%
Wells Fargo Bank0.00%(3.5)6.67%
Atlantic Bay Mortgage Group0.01%(3.5)3.33%
SunTrust Bank0.01%(3.5)3.33%
Movement Mortgage0.01%(3.5)3.33%
PrimeLending0.03%(3.5)3.33%
First Piedmont0.03%(3.5)16.67%
Lender NameRate DifferenceRate RatingMarket Share
JPMorgan Chase Bank-0.04%(3.5)15.00%
Truist Bank-0.03%(3.5)20.00%
Bank of America-0.02%(3.5)5.00%
USAA-0.01%(3.5)5.00%
First Citizens Bank-0.00%(3.5)5.00%
Wells Fargo Bank0.01%(3.5)5.00%
Atlantic Bay Mortgage Group0.01%(3.5)5.00%
SunTrust Bank0.01%(3.5)5.00%
Movement Mortgage0.01%(3.5)5.00%
PrimeLending0.03%(3.5)5.00%
First Piedmont0.03%(3.5)25.00%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.01%(3.5)20.00%
TD Bank-0.01%(3.5)10.00%
Ameris Bank-0.00%(3.5)10.00%
Wells Fargo Bank-0.00%(3.5)10.00%
South State Bank-0.00%(3.5)10.00%
Truist Bank0.01%(3.5)20.00%
JPMorgan Chase Bank0.01%(3.5)20.00%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.20%(4.5)7.23%
PennyMac Loan Services-0.10%(4.0)4.82%
Lakeview Loan Servicing-0.07%(4.0)1.89%
DHI Mortgage Company Limited-0.06%(4.0)2.24%
United Community Bank-0.05%(4.0)0.69%
Renasant Bank-0.04%(3.5)1.38%
Keller Mortgage-0.04%(3.5)0.52%
Caliber Home Loans-0.03%(3.5)2.93%
Truist Bank-0.03%(3.5)0.86%
Homeside Financial-0.02%(3.5)0.86%
Apex Home Loans-0.02%(3.5)0.69%
Wells Fargo Bank-0.02%(3.5)1.55%
First Citizens Bank-0.01%(3.5)0.69%
USAA-0.01%(3.5)12.05%
Countybank-0.01%(3.5)0.34%
Bank of America-0.00%(3.5)0.52%
On Q Financial-0.00%(3.5)1.20%
Ameris Bank-0.00%(3.5)2.07%
Guaranteed Rate0.00%(3.5)0.69%
SunTrust Bank0.00%(3.5)0.52%
JPMorgan Chase Bank0.01%(3.5)0.17%
South State Bank0.01%(3.5)0.17%
Finance of America Mortgage0.02%(3.5)0.52%
Cardinal Financial Company0.02%(3.5)0.86%
Flagstar Bank0.02%(3.5)1.38%
Amerisave Mortgage Corporation0.02%(3.5)0.69%
Guild Mortgage Company0.03%(3.5)2.41%
FirstBank TN0.03%(3.5)0.69%
AnnieMac Home Mortgage0.03%(3.5)1.03%
Benchmark0.03%(3.5)4.48%
PrimeLending0.03%(3.5)3.61%
loanDepot0.03%(3.5)4.99%
Resource Financial Services0.04%(3.5)0.86%
New American Funding0.04%(3.5)0.34%
Network Funding0.04%(3.5)1.03%
HomeStar Financial0.04%(3.5)1.55%
Mr. Cooper0.04%(3.5)1.72%
Carrington Mortgage Services0.04%(3.5)1.89%
Freedom Mortgage Corporation0.05%(3.5)3.61%
Movement Mortgage0.05%(3.0)3.44%
Quicken Loans0.06%(3.0)12.56%
LendUS LLC0.06%(3.0)1.20%
Atlantic Bay Mortgage Group0.07%(3.0)2.58%
Fairway Independent Mortgage Corporation0.10%(3.0)4.48%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.22%(4.5)10.32%
DHI Mortgage Company Limited-0.06%(4.0)3.44%
United Community Bank-0.05%(3.5)1.06%
Renasant Bank-0.05%(3.5)1.85%
PennyMac Loan Services-0.04%(3.5)0.79%
Keller Mortgage-0.03%(3.5)0.79%
Truist Bank-0.03%(3.5)1.06%
loanDepot-0.03%(3.5)2.12%
Homeside Financial-0.02%(3.5)1.32%
Apex Home Loans-0.02%(3.5)1.06%
Wells Fargo Bank-0.02%(3.5)2.38%
First Citizens Bank-0.02%(3.5)0.79%
Carrington Mortgage Services-0.01%(3.5)0.53%
Guaranteed Rate-0.01%(3.5)0.53%
Countybank-0.01%(3.5)0.26%
Caliber Home Loans-0.00%(3.5)2.65%
Bank of America-0.00%(3.5)0.79%
On Q Financial-0.00%(3.5)1.59%
Freedom Mortgage Corporation0.00%(3.5)2.91%
Ameris Bank0.00%(3.5)1.85%
Flagstar Bank0.01%(3.5)0.79%
JPMorgan Chase Bank0.01%(3.5)0.26%
USAA0.01%(3.5)13.23%
SunTrust Bank0.01%(3.5)0.53%
Finance of America Mortgage0.02%(3.5)0.79%
Cardinal Financial Company0.02%(3.5)1.06%
Mr. Cooper0.02%(3.5)1.32%
AnnieMac Home Mortgage0.03%(3.5)1.59%
Amerisave Mortgage Corporation0.03%(3.5)0.79%
Benchmark0.03%(3.5)6.61%
PrimeLending0.03%(3.5)5.03%
FirstBank TN0.03%(3.5)0.79%
Resource Financial Services0.04%(3.5)1.32%
New American Funding0.04%(3.5)0.53%
Network Funding0.04%(3.5)1.59%
HomeStar Financial0.04%(3.5)2.38%
Guild Mortgage Company0.06%(3.0)2.38%
Quicken Loans0.06%(3.0)5.03%
LendUS LLC0.07%(3.0)1.85%
Movement Mortgage0.07%(3.0)4.23%
Atlantic Bay Mortgage Group0.07%(3.0)3.97%
Fairway Independent Mortgage Corporation0.12%(3.0)5.82%
Lender NameRate DifferenceRate RatingMarket Share
PennyMac Loan Services-0.12%(4.0)12.32%
Lakeview Loan Servicing-0.08%(4.0)5.42%
Caliber Home Loans-0.07%(4.0)3.45%
USAA-0.05%(4.0)9.85%
Movement Mortgage-0.04%(3.5)1.97%
Guild Mortgage Company-0.03%(3.5)2.46%
SunTrust Bank-0.01%(3.5)0.49%
Navy Federal Credit Union-0.01%(3.5)1.48%
Renasant Bank-0.01%(3.5)0.49%
Ameris Bank-0.01%(3.5)2.46%
PrimeLending-0.01%(3.5)0.99%
Truist Bank-0.01%(3.5)0.49%
Countybank-0.01%(3.5)0.49%
On Q Financial0.00%(3.5)0.49%
Amerisave Mortgage Corporation0.00%(3.5)0.49%
Fairway Independent Mortgage Corporation0.00%(3.5)1.97%
FirstBank TN0.00%(3.5)0.49%
Benchmark0.01%(3.5)0.49%
Guaranteed Rate0.01%(3.5)0.99%
Cardinal Financial Company0.01%(3.5)0.49%
South State Bank0.01%(3.5)0.49%
First Citizens Bank0.01%(3.5)0.49%
Flagstar Bank0.02%(3.5)2.46%
Carrington Mortgage Services0.05%(3.5)4.43%
Mr. Cooper0.05%(3.0)2.46%
Quicken Loans0.05%(3.0)26.60%
loanDepot0.05%(3.0)10.34%
Freedom Mortgage Corporation0.09%(3.0)4.93%

* Data is compiled for the Spartanburg, SC commuting zone area, which comprises of counties of Polk County, NC, Rutherford County, NC, Cherokee County, SC, Spartanburg County, SC, and Union County, SC. This includes cities/towns/communities of Spartanburg, SC as well as Reidville, SC, Greer, SC, Lyman, SC, Boiling Springs, SC, Wellford, SC, Valley Falls, SC, Roebuck, SC, Rutherfordton, NC, Gramling, SC, Gaffney, SC, Columbus, NC, Forest City, NC, Woodruff, SC, Inman, SC, Lake Lure, NC, Fingerville, SC, Ellenboro, NC, Campobello, SC, Chesnee, SC, Duncan, SC, Blacksburg, SC, Pacolet, SC, Landrum, SC, Mayo, SC, Union, SC, Tryon, NC, Caroleen, NC, Converse, SC, Enoree, SC, Cowpens, SC, Spindale, NC, Arcadia, SC, Glendale, SC, Saluda, NC, Southern Shops, SC, East Gaffney, SC, Buffalo, SC, Chesnee, SC, Jonesville, SC, Saxon, SC, Lockhart, SC, and Carlisle, SC. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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