Safe Rate Rankings

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