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