Spero Financial
Spero Financial received 502 applications in 2025 and made 403 mortgages, in 32 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 494 decisions, 65 were denials — 13.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300XOP6YO0UN0TY92 |
|---|---|
| Applications received | 502 |
| Mortgages made | 403 |
| Denied | 65 |
| Approved, not taken up | 26 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 21 | Not published | $205,000 | 0.0% |
| Refinancing | 104 | Not published | $145,000 | 14.1% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 278 | Not published | $85,000 | 13.5% |
Where Spero Financial lends most
The 32 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Greenville County, SC | 168 | Not published | 12.3% |
| Anderson County, SC | 81 | Not published | 13.4% |
| Spartanburg County, SC | 55 | Not published | 12.7% |
| Pickens County, SC | 40 | Not published | 10.2% |
| Lexington County, SC | 7 | Under 10 loans | 22.2% |
| Richland County, SC | 7 | Under 10 loans | 38.5% |
| Laurens County, SC | 6 | Under 10 loans | 14.3% |
| Oconee County, SC | 5 | Under 10 loans | 16.7% |
| Kershaw County, SC | 4 | Under 10 loans | 0.0% |
| Berkeley County, SC | 3 | Under 10 loans | 25.0% |
| Charleston County, SC | 3 | Under 10 loans | 0.0% |
| Union County, SC | 3 | Under 10 loans | 0.0% |
| Rutherford County, NC | 2 | Under 10 loans | 0.0% |
| Abbeville County, SC | 2 | Under 10 loans | 0.0% |
| York County, SC | 2 | Under 10 loans | 0.0% |
| Clarke County, GA | 1 | Under 10 loans | 0.0% |
| Elbert County, GA | 1 | Under 10 loans | 0.0% |
| Franklin County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Oconee County, GA | 1 | Under 10 loans | 0.0% |
| Jackson County, NC | 1 | Under 10 loans | 0.0% |
| Polk County, NC | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 50.0% |
| Calhoun County, SC | 1 | Under 10 loans | 0.0% |
| Colleton County, SC | 1 | Under 10 loans | 0.0% |
| Dorchester County, SC | 1 | Under 10 loans | 0.0% |
| Georgetown County, SC | 1 | Under 10 loans | 0.0% |
| Greenwood County, SC | 1 | Under 10 loans | 50.0% |
| Lancaster County, SC | 1 | Under 10 loans | 0.0% |
| Polk County, TN | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 0 | Under 10 loans | 0.0% |
| Montgomery County, NC | 0 | Under 10 loans | 100.0% |
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When Spero Financial’s figures are published for the next year, or restated.
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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.