Safe Rate Rankings

Best Conventional Mortgage Lenders in Columbia

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders30

Total Loans1,830

Median Rate Spread0.23%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	MISSOURI Credit UnionCredit Union	Exceptional	Exceptional	Strong	Sound	Exceptional	$611Fees	0.046%Above	108
2	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,505Fees	0.310%Above	482
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$888Fees	0.016%Below	53
4	The Central Trust BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,666Fees	0.229%Above	276
5	West Community Credit UnionCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$1,114Fees	0.341%Below	51
6	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$891Fees	0.123%Below	17
7	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$1,576Fees	0.150%Below	14
8	First Mid Bank & Trust, National AssociationBank	Strong	Strong	Strong	Strong	Sound	$606Fees	0.083%Above	17
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,040Fees	0.298%Above	125
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,234Fees	0.206%Above	80
11	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$972Fees	0.534%Above	23
12	First State Community BankBank	Strong	Strong	Strong	Sound	Sound	$960Fees	0.012%Above	16
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,495Fees	0.510%Above	11
14	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Acceptable	$2,800Fees	0.337%Above	10
15	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,398Fees	0.287%Above	99
16	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,970Fees	0.452%Above	68
17	The Bank of MissouriBank	Strong	Sound	Strong	Strong	Sound	$1,025Fees	0.093%Below	21
18	Hawthorn BankBank	Strong	Strong	Sound	Sound	Sound	$974Fees	0.022%Above	21
19	Midwest Mortgage Associates CorporationIndependent Mortgage Company	Strong	Sound	Sound	Sound	Strong	$1,422Fees	0.465%Above	45
20	Commerce BankBank	Strong	Sound	Strong	Sound	Sound	$809Fees	0.181%Above	28
21	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,444Fees	0.653%Above	19
22	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,211Fees	0.841%Above	12
23	Arvest BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,743Fees	0.176%Above	10
24	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$68Credit	0.508%Above	105
25	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,578Fees	0.484%Above	26
26	Mid-Continent Funding, Inc.Independent Mortgage Company	Sound	Sound	Acceptable	Acceptable	Strong	$2,529Fees	0.097%Below	36
27	Simmons BankBank	Sound	Acceptable	Strong	Sound	Sound	$1,272Fees	0.535%Above	19

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.