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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 Conventional Mortgage Company Lenders in Columbia
Updated February 5, 2026
Market Overview
41
Total Lenders
11,851
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,751 | +0.153% | 563 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,014 | +0.100% | 567 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,879 | +0.376% | 790 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,743 | +0.065% | 550 | |
5 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,260 | +0.273% | 384 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,247 | +0.098% | 146 | |
7 | American Security Mortgage Corp. | Strong | Strong | Strong | Strong | Sound | $2,679 | +0.070% | 28 | |
8 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,068 | +0.347% | 959 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,143 | +0.281% | 350 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,479 | +0.529% | 279 | |
11 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,788 | +0.555% | 131 | |
12 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $2,299 | +0.217% | 83 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,047 | -0.170% | 69 | |
14 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,976 | +0.139% | 27 | |
15 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,197 | +0.355% | 226 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,032 | +0.190% | 186 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,086 | +0.473% | 156 | |
18 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,568 | +0.401% | 145 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,483 | +0.309% | 142 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,234 | +0.383% | 86 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,846 | +0.463% | 69 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,521 | +0.514% | 55 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,665 | +0.597% | 359 | |
24 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $1,525 | -0.614% | 327 | |
25 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,385 | +0.569% | 135 | |
26 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Strong | $2,639 | +0.489% | 103 | |
27 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,686 | +0.430% | 83 | |
28 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $1,633 | -0.006% | 48 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,987 | +0.752% | 48 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,127 | +0.688% | 44 | |
31 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,129 | +0.389% | 38 | |
32 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,392 | +0.888% | 31 | |
33 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,826 | -0.037% | 28 | |
34 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Sound | $1,108 | +0.096% | 26 | |
35 | AgFirst Farm Credit Bank | Sound | Mediocre | Strong | Strong | Strong | $4,345 | +0.493% | 47 | |
36 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,386 | +0.560% | 33 | |
37 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,372 | +0.447% | 28 | |
38 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $3,178 | +0.290% | 43 | |
39 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $2,322 | +1.238% | 33 | |
40 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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