# Best Conventional Mortgage Lenders in Columbia, SC

**As of:** 2026-05-21

Compare the top Conventional mortgage lenders in Columbia, SC. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/columbia-sc/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 122
- **Total Loans:** 11,851
- **Median Rate Spread:** 0.26213675213675214%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | First Reliance Bank | 89 | 61 | 81 | 168 | Bank |
| 2 | SAFE FEDERAL CREDIT UNION | 89 | 93 | 71 | 119 | Credit Union |
| 3 | First Heritage Mortgage, LLC | 88 | 47 | 81 | 563 | Independent Mortgage Company |
| 4 | First Palmetto Bank | 85 | 78 | 79 | 290 | Bank |
| 5 | Bank of America, National Association | 85 | 71 | 67 | 112 | Bank |
| 6 | Truist Bank | 85 | 71 | 69 | 53 | Bank |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 45 | 68 | 567 | Independent Mortgage Company |
| 8 | Ameris Bank | 83 | 41 | 76 | 391 | Bank |
| 9 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 184 | Credit Union |
| 10 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 790 | Independent Mortgage Company |
| 11 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 550 | Independent Mortgage Company |
| 12 | RESOURCE FINANCIAL SERVICES, INC. | 79 | 46 | 68 | 384 | Independent Mortgage Company |
| 13 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 168 | Bank |
| 14 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 146 | Independent Mortgage Company |
| 15 | SouthState Bank, National Association | 79 | 48 | 72 | 124 | Bank |
| 16 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 109 | Bank |
| 17 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 959 | Independent Mortgage Company |
| 18 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 350 | Independent Mortgage Company |
| 19 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 279 | Independent Mortgage Company |
| 20 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 25 | 80 | 131 | Independent Mortgage Company |
| 21 | DELMAR FINANCIAL COMPANY | 74 | 48 | 60 | 83 | Independent Mortgage Company |
| 22 | Synovus Bank | 74 | 48 | 62 | 69 | Bank |
| 23 | FOUNDERS FEDERAL CREDIT UNION | 74 | 77 | 58 | 38 | Credit Union |
| 24 | American Security Mortgage Corp. | 74 | 61 | 69 | 28 | Independent Mortgage Company |
| 25 | First-Citizens Bank & Trust Company | 73 | 57 | 59 | 240 | Bank |
| 26 | Palmetto Citizens Federal Credit Union | 73 | 61 | 53 | 108 | Credit Union |
| 27 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 69 | Independent Mortgage Company |
| 28 | Trustmark National Bank | 73 | 48 | 79 | 31 | Bank |
| 29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 71 | 26 | 76 | 156 | Independent Mortgage Company |
| 30 | LOWER, LLC | 71 | 33 | 66 | 145 | Independent Mortgage Company |
| 31 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 142 | Independent Mortgage Company |
| 32 | Regions Bank | 71 | 39 | 64 | 101 | Bank |
| 33 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 86 | Independent Mortgage Company |
| 34 | Renasant Bank | 71 | 35 | 77 | 76 | Bank |
| 35 | Flagstar Bank, N.A. | 71 | 34 | 72 | 71 | Bank |
| 36 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 69 | Independent Mortgage Company |
| 37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 20 | 78 | 55 | Independent Mortgage Company |
| 38 | GUARANTEED RATE AFFINITY, LLC | 70 | 32 | 54 | 226 | Independent Mortgage Company |
| 39 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 186 | Independent Mortgage Company |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 27 | Independent Mortgage Company |
| 41 | First Community Bank | 68 | 43 | 58 | 134 | Bank |
| 42 | Assurance Financial Group, L.L.C. | 67 | 27 | 73 | 103 | Independent Mortgage Company |
| 43 | Integrity Home Mortgage Corporation | 67 | 22 | 75 | 48 | Independent Mortgage Company |
| 44 | Mortgage Research Center, LLC | 66 | 34 | 43 | 359 | Independent Mortgage Company |
| 45 | FBC MORTGAGE, LLC | 66 | 36 | 60 | 327 | Independent Mortgage Company |
| 46 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 135 | Independent Mortgage Company |
| 47 | NEWREZ LLC | 66 | 31 | 58 | 83 | Independent Mortgage Company |
| 48 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 48 | Independent Mortgage Company |
| 49 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 44 | Independent Mortgage Company |
| 50 | TOWNE MORTGAGE COMPANY | 66 | 39 | 79 | 38 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Columbia, SC.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.