Homebuyers in Spartanburg County County who chose VANDERBILT MORTGAGE AND FINANCE, INC. paid $6,490 less in closing costs than the county median.
County Median Costs
$7,456
+10.3% vs South Carolina ($6,759)
Median Rate
6.250%
−3.7% vs national (6.490%)
Median Origination
$2,285
Purchase Originations
5,876
Denial Rate
11.1%
vs South Carolina avg (12.5%)
vs South Carolina Median
10.3% above
$697
vs National Median
11.6% above
$776
68 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,324 | 4.990% | $0 | 15 | −$3,833 | |
| 2 | $2,894 | 5.375% | $0 | 150 | −$2,263 | |
| 3 | $3,095 | 6.500% | $0 | 20 | −$2,062 | |
| 4 | $3,142 | 6.750% | $574 | 71 | −$2,015 | |
| 5 | $3,148 | 6.250% | $0 | 105 | −$2,009 | |
| 6 | $3,621 | 6.312% | $1,093 | 10 | −$1,536 | |
| 7 | $3,713 | 6.500% | $1,175 | 41 | −$1,444 | |
| 8 | $3,726 | 6.433% | $1,190 | 10 | −$1,431 | |
| 9 | $3,765 | 6.375% | $1,085 | 46 | −$1,392 | |
| 10 | $3,945 | 6.500% | $1,245 | 28 | −$1,212 | |
| 11 | $3,998 | 6.500% | $1,354 | 40 | −$1,159 | |
| 12 | $4,125 | 8.400% | $3,912 | 11 | −$1,032 | |
| 13 | $4,321 | 6.562% | $2,395 | 12 | −$836 | |
| 14 | $4,325 | 6.125% | $1,943 | 104 | −$832 | |
| 15 | $4,393 | 6.125% | $1,672 | 22 | −$764 | |
| 16 | $4,422 | 6.688% | $1,674 | 14 | −$735 | |
| 17 | $4,424 | 6.750% | $1,495 | 40 | −$733 | |
| 18 | $4,577 | 6.812% | $1,778 | 22 | −$580 | |
| 19 | $4,584 | 5.990% | $1,325 | 19 | −$573 | |
| 20 | $4,625 | 6.562% | $1,967 | 14 | −$532 | |
| 21 | $4,632 | 6.375% | $1,928 | 28 | −$525 | |
| 22 | $4,637 | 5.938% | $1,657 | 24 | −$520 | |
| 23 | $4,797 | 6.445% | $1,652 | 38 | −$360 | |
| 24 | $4,814 | 6.490% | $2,010 | 87 | −$343 | |
| 25 | $4,841 | 6.875% | $2,095 | 10 | −$316 |
Includes lenders with 10+ purchase originations in Spartanburg County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in South Carolina → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.