Safe Rate Rankings

Best All Lender 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%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	MISSOURI Credit UnionCredit Union	Exceptional	Exceptional	Sound	Exceptional	$611Fees	0.046%Above	108
2	West Community Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	$1,114Fees	0.341%Below	51
3	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,505Fees	0.310%Above	482
4	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$888Fees	0.016%Below	53
5	The Central Trust BankBank	Strong	Sound	Strong	Exceptional	$1,666Fees	0.229%Above	276
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,234Fees	0.206%Above	80
7	Hawthorn BankBank	Strong	Strong	Sound	Sound	$974Fees	0.022%Above	21
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,040Fees	0.298%Above	125
9	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,398Fees	0.287%Above	99
10	Bell BankBank	Strong	Acceptable	Exceptional	Strong	$1,970Fees	0.452%Above	68
11	Midwest Mortgage Associates CorporationIndependent Mortgage Company	Strong	Sound	Sound	Strong	$1,422Fees	0.465%Above	45
12	Mid-Continent Funding, Inc.Independent Mortgage Company	Strong	Sound	Sound	Strong	$2,529Fees	0.097%Below	36
13	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Strong	Sound	Strong	Sound	$972Fees	0.534%Above	23
14	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$68Credit	0.508%Above	105
15	Commerce BankBank	Strong	Sound	Sound	Sound	$809Fees	0.181%Above	28
16	The Bank of MissouriBank	Strong	Sound	Sound	Sound	$1,025Fees	0.093%Below	21
17	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,578Fees	0.484%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.