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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 Mortgage Company Lenders in Columbia
Updated February 5, 2026
Market Overview
44
Total Lenders
8,779
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | $1,525 | -0.614% | 327 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $3,014 | +0.100% | 567 | |
3 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,751 | +0.153% | 563 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,743 | +0.065% | 550 | |
5 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Exceptional | $2,260 | +0.273% | 384 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,068 | +0.347% | 959 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,879 | +0.376% | 790 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,143 | +0.281% | 350 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,032 | +0.190% | 186 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,247 | +0.098% | 146 | |
11 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,483 | +0.309% | 142 | |
12 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | $2,299 | +0.217% | 83 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,047 | -0.170% | 69 | |
14 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,665 | +0.597% | 359 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,479 | +0.529% | 279 | |
16 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Exceptional | $3,197 | +0.355% | 226 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,086 | +0.473% | 156 | |
18 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $2,788 | +0.555% | 131 | |
19 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Strong | $2,639 | +0.489% | 103 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,234 | +0.383% | 86 | |
21 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,521 | +0.514% | 55 | |
22 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | $1,633 | -0.006% | 48 | |
23 | American Security Mortgage Corp. | Strong | Sound | Strong | Sound | $2,679 | +0.070% | 28 | |
24 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,568 | +0.401% | 145 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,846 | +0.463% | 69 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,987 | +0.752% | 48 | |
27 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $3,127 | +0.688% | 44 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,386 | +0.560% | 33 | |
29 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $3,826 | -0.037% | 28 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,976 | +0.139% | 27 | |
31 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $1,108 | +0.096% | 26 | |
32 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,385 | +0.569% | 135 | |
33 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,686 | +0.430% | 83 | |
34 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Sound | Acceptable | Strong | Sound | $1,892 | +0.570% | 41 | |
35 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $2,129 | +0.389% | 38 | |
36 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $3,966 | +1.198% | 32 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $2,392 | +0.888% | 31 | |
38 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $2,372 | +0.447% | 28 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $3,178 | +0.290% | 43 | |
40 | AgFirst Farm Credit Bank | Sound | Mediocre | Sound | Strong | $4,345 | +0.493% | 47 | |
41 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | $2,322 | +1.238% | 33 | |
42 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Strong | $4,616 | +1.203% | 76 | |
43 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $4,251 | +0.743% | 30 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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