Safe Rate Rankings

Best Conventional Mortgage Lenders in Columbia

Updated May 21, 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 Lenders122

Total Loans11,851

Median Rate Spread0.26%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	SAFE FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$594Fees	0.174%Below	119
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$996Fees	0.526%Below	184
3	First Reliance BankBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,646Fees	0.101%Above	168
4	First Heritage Mortgage, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,751Fees	0.153%Above	563
5	First Palmetto BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$894Fees	0.079%Below	290
6	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,861Fees	0.135%Below	112
7	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$461Fees	0.258%Above	53
8	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,014Fees	0.100%Above	567
9	Ameris BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,753Fees	0.157%Above	391
10	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,294Fees	0.180%Above	109
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,879Fees	0.376%Above	790
12	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,743Fees	0.065%Above	550
13	RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$2,260Fees	0.273%Above	384
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,772Fees	0.012%Above	168
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,247Fees	0.098%Above	146
16	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,988Fees	0.208%Above	124
17	Palmetto Citizens Federal Credit UnionCredit Union	Strong	Strong	Sound	Sound	Exceptional	$2,685Fees	0.425%Below	108
18	FOUNDERS FEDERAL CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Strong	$29Fees	0.487%Below	38
19	American Security Mortgage Corp.Independent Mortgage Company	Strong	Strong	Strong	Strong	Sound	$2,679Fees	0.070%Above	28
20	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,068Fees	0.347%Above	959
21	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,143Fees	0.281%Above	350
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,479Fees	0.529%Above	279
23	First-Citizens Bank & Trust CompanyBank	Strong	Sound	Strong	Sound	Exceptional	$1,454Fees	0.077%Above	240
24	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,788Fees	0.555%Above	131
25	DELMAR FINANCIAL COMPANYIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,299Fees	0.217%Above	83
26	Synovus BankBank	Strong	Sound	Strong	Strong	Strong	$1,314Fees	0.262%Above	69
27	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,047Fees	0.170%Below	69
28	Trustmark National BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,231Fees	0.208%Above	31
29	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,976Fees	0.139%Above	27
30	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,197Fees	0.355%Above	226
31	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,032Fees	0.190%Above	186
32	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,086Fees	0.473%Above	156
33	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,568Fees	0.401%Above	145
34	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,483Fees	0.309%Above	142
35	First Community BankBank	Strong	Sound	Sound	Sound	Exceptional	$2,430Fees	0.253%Above	134
36	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,564Fees	0.026%Above	101
37	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,234Fees	0.383%Above	86
38	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,252Fees	0.243%Above	76
39	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,380Fees	0.247%Above	71
40	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,846Fees	0.463%Above	69
41	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,521Fees	0.514%Above	55
42	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$3,665Fees	0.597%Above	359
43	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$1,525Fees	0.614%Below	327
44	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,385Fees	0.569%Above	135
45	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,639Fees	0.489%Above	103
46	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,686Fees	0.430%Above	83
47	Integrity Home Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$1,633Fees	0.006%Below	48
48	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,987Fees	0.752%Above	48
49	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,127Fees	0.688%Above	44
50	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,129Fees	0.389%Above	38

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.