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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

122

Total Lenders

11,851

Total Loans

0.26%

Median Rate Spread

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

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Columbia, SCConventional

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