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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
122
Total Lenders
11,851
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | SAFE FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $594 | -0.174% | 119 | |
2 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | $1,525 | -0.614% | 327 | |
3 | First Palmetto Bank | Exceptional | Strong | Strong | Exceptional | $894 | -0.079% | 290 | |
4 | First-Citizens Bank & Trust Company | Exceptional | Strong | Strong | Exceptional | $1,454 | +0.077% | 240 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $996 | -0.526% | 184 | |
6 | First Reliance Bank | Exceptional | Strong | Strong | Exceptional | $1,646 | +0.101% | 168 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $3,014 | +0.100% | 567 | |
8 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,751 | +0.153% | 563 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,743 | +0.065% | 550 | |
10 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $2,753 | +0.157% | 391 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,861 | -0.135% | 112 | |
12 | Palmetto Citizens Federal Credit Union | Strong | Strong | Sound | Exceptional | $2,685 | -0.425% | 108 | |
13 | Truist Bank | Strong | Strong | Strong | Strong | $461 | +0.258% | 53 | |
14 | FOUNDERS FEDERAL CREDIT UNION | Strong | Strong | Strong | Strong | $29 | -0.487% | 38 | |
15 | First Federal Bank | Strong | Exceptional | Sound | Sound | $1,403 | -0.213% | 26 | |
16 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Exceptional | $2,260 | +0.273% | 384 | |
17 | First Community Bank | Strong | Sound | Strong | Exceptional | $2,430 | +0.253% | 134 | |
18 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,294 | +0.180% | 109 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,068 | +0.347% | 959 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,879 | +0.376% | 790 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,143 | +0.281% | 350 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,032 | +0.190% | 186 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,772 | +0.012% | 168 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,247 | +0.098% | 146 | |
25 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,483 | +0.309% | 142 | |
26 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $1,988 | +0.208% | 124 | |
27 | Regions Bank | Strong | Sound | Strong | Strong | $2,564 | +0.026% | 101 | |
28 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | $2,299 | +0.217% | 83 | |
29 | Synovus Bank | Strong | Sound | Strong | Strong | $1,314 | +0.262% | 69 | |
30 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,047 | -0.170% | 69 | |
31 | Trustmark National Bank | Strong | Sound | Exceptional | Sound | $2,231 | +0.208% | 31 | |
32 | S. C. STATE FEDERAL CREDIT UNION | Strong | Strong | Acceptable | Strong | $1,594 | -0.371% | 31 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,665 | +0.597% | 359 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,479 | +0.529% | 279 | |
35 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Exceptional | $3,197 | +0.355% | 226 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,086 | +0.473% | 156 | |
37 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $2,788 | +0.555% | 131 | |
38 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Strong | $2,639 | +0.489% | 103 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,234 | +0.383% | 86 | |
40 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $2,252 | +0.243% | 76 | |
41 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,767 | -0.193% | 57 | |
42 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,521 | +0.514% | 55 | |
43 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | $1,633 | -0.006% | 48 | |
44 | American Security Mortgage Corp. | Strong | Sound | Strong | Sound | $2,679 | +0.070% | 28 | |
45 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,568 | +0.401% | 145 | |
46 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,380 | +0.247% | 71 | |
47 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,846 | +0.463% | 69 | |
48 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,987 | +0.752% | 48 | |
49 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $3,127 | +0.688% | 44 | |
50 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,386 | +0.560% | 33 |
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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