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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Columbia
Updated February 5, 2026
Market Overview
30
Total Lenders
1,830
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MISSOURI Credit Union | Exceptional | Exceptional | Sound | Exceptional | $611 | +0.046% | 108 | |
2 | West Community Credit Union | Exceptional | Exceptional | Sound | Strong | $1,114 | -0.341% | 51 | |
3 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,505 | +0.310% | 482 | |
4 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $888 | -0.016% | 53 | |
5 | The Central Trust Bank | Strong | Sound | Strong | Exceptional | $1,666 | +0.229% | 276 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,234 | +0.206% | 80 | |
7 | Hawthorn Bank | Strong | Strong | Sound | Sound | $974 | +0.022% | 21 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,040 | +0.298% | 125 | |
9 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $2,398 | +0.287% | 99 | |
10 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $1,970 | +0.452% | 68 | |
11 | Midwest Mortgage Associates Corporation | Strong | Sound | Sound | Strong | $1,422 | +0.465% | 45 | |
12 | Mid-Continent Funding, Inc. | Strong | Sound | Sound | Strong | $2,529 | -0.097% | 36 | |
13 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Sound | $972 | +0.534% | 23 | |
14 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | -$68 | +0.508% | 105 | |
15 | Commerce Bank | Strong | Sound | Sound | Sound | $809 | +0.181% | 28 | |
16 | The Bank of Missouri | Strong | Sound | Sound | Sound | $1,025 | -0.093% | 21 | |
17 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $2,578 | +0.484% | 26 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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