Mortgage lending in Spartanburg, SC
11,271 mortgages were originated in the Spartanburg, SC area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 11,271
- Median rate
- 6.490%
- Median lender fees
- $6,408
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $225,000
- Above the going rate (spread over APOR)
- 0.203
- Paid discount points
- 50.4%
- Received lender credits
- 24.1%
- Purchases / refinances
- 64.7% / 21.5%
- Conventional / FHA / VA
- 62.5% / 26.3% / 9.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 81.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Spartanburg, SC area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 691 | $5,849 | 6.625% |
| DHI Mortgage Company, Ltd. | 560 | $7,054 | 4.990% |
| United Shore Financial Services, LLC | 499 | $9,260 | 6.125% |
| NVR Mortgage Finance, Inc. | 473 | $6,431 | 5.990% |
| Loandepot.Com, LLC | 458 | $9,078 | 4.990% |
| Founders Federal Credit Union | 439 | $2,881 | 7.500% |
| Vanderbilt Mortgage And Finance, Inc. | 323 | $7,767 | 5.990% |
| First-Citizens Bank & Trust Company | 268 | $4,365 | 6.434% |
| Truist Bank | 242 | $5,404 | 6.520% |
| Ark-La-Tex Financial Services, LLC. | 238 | $5,213 | 6.625% |