Safe Rate Rankings

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

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.