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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 FHA 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	First Heritage Mortgage, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,751	+0.153%	563
2	FBC MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$1,525	-0.614%	327
3	First Palmetto Bank	Exceptional	Strong	Strong	Exceptional	Exceptional	$894	-0.079%	290
4	First-Citizens Bank & Trust Company	Exceptional	Exceptional	Strong	Sound	Exceptional	$1,454	+0.077%	240
5	First Reliance Bank	Exceptional	Exceptional	Sound	Strong	Exceptional	$1,646	+0.101%	168
6	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,014	+0.100%	567
7	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,743	+0.065%	550
8	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,032	+0.190%	186
9	Ameris Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,753	+0.157%	391
10	SouthState Bank, National Association	Exceptional	Strong	Strong	Strong	Strong	$1,988	+0.208%	124
11	Synovus Bank	Exceptional	Strong	Strong	Strong	Strong	$1,314	+0.262%	69
12	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$2,047	-0.170%	69
13	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,879	+0.376%	790
14	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,247	+0.098%	146
15	Renasant Bank	Strong	Sound	Exceptional	Strong	Strong	$2,252	+0.243%	76
16	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$2,380	+0.247%	71
17	TOWNE MORTGAGE COMPANY	Strong	Sound	Exceptional	Exceptional	Sound	$2,129	+0.389%	38
18	GoodLeap, LLC	Strong	Strong	Exceptional	Sound	Sound	$3,826	-0.037%	28
19	First Federal Bank	Strong	Strong	Strong	Strong	Sound	$1,403	-0.213%	26
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	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,197	+0.355%	226
23	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,086	+0.473%	156
24	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,788	+0.555%	131
25	Assurance Financial Group, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,639	+0.489%	103
26	Regions Bank	Strong	Sound	Exceptional	Sound	Strong	$2,564	+0.026%	101
27	DELMAR FINANCIAL COMPANY	Strong	Sound	Strong	Strong	Strong	$2,299	+0.217%	83
28	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$1,686	+0.430%	83
29	Trustmark National Bank	Strong	Sound	Exceptional	Strong	Sound	$2,231	+0.208%	31
30	RESOURCE FINANCIAL SERVICES, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$2,260	+0.273%	384
31	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,665	+0.597%	359
32	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,568	+0.401%	145
33	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,483	+0.309%	142
34	Wells Fargo Bank, National Association	Strong	Sound	Strong	Sound	Strong	$2,294	+0.180%	109
35	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,234	+0.383%	86
36	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,521	+0.514%	55
37	Integrity Home Mortgage Corporation	Strong	Acceptable	Exceptional	Strong	Strong	$1,633	-0.006%	48
38	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,987	+0.752%	48
39	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,127	+0.688%	44
40	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,386	+0.560%	33
41	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,479	+0.529%	279
42	MORTGAGE SOLUTIONS OF COLORADO, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,892	+0.570%	41
43	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,966	+1.198%	32
44	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,392	+0.888%	31
45	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,372	+0.447%	28
46	First Community Bank	Strong	Acceptable	Sound	Sound	Exceptional	$2,430	+0.253%	134
47	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,178	+0.290%	43
48	The Federal Savings Bank	Strong	Acceptable	Exceptional	Sound	Sound	$2,952	+0.460%	33
49	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Sound	$4,251	+0.743%	30
50	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$2,976	+0.139%	27

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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