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