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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 VA Mortgage Company Lenders in Columbia
Updated February 5, 2026
Market Overview
39
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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,525 | -0.614% | 327 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,014 | +0.100% | 567 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,743 | +0.065% | 550 | |
4 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,197 | +0.355% | 226 | |
5 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,751 | +0.153% | 563 | |
6 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,143 | +0.281% | 350 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,032 | +0.190% | 186 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,483 | +0.309% | 142 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,047 | -0.170% | 69 | |
10 | RESOURCE FINANCIAL SERVICES, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,260 | +0.273% | 384 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,086 | +0.473% | 156 | |
12 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,234 | +0.383% | 86 | |
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 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,686 | +0.430% | 83 | |
16 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $2,129 | +0.389% | 38 | |
17 | American Security Mortgage Corp. | Strong | Sound | Exceptional | Exceptional | Sound | $2,679 | +0.070% | 28 | |
18 | RESICENTRAL, LLC | Strong | Strong | Strong | Strong | Sound | $1,108 | +0.096% | 26 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,068 | +0.347% | 959 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,665 | +0.597% | 359 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,479 | +0.529% | 279 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,788 | +0.555% | 131 | |
23 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $2,299 | +0.217% | 83 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,976 | +0.139% | 27 | |
25 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,568 | +0.401% | 145 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,846 | +0.463% | 69 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,521 | +0.514% | 55 | |
28 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Strong | $1,633 | -0.006% | 48 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,987 | +0.752% | 48 | |
30 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Strong | $2,639 | +0.489% | 103 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,127 | +0.688% | 44 | |
32 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,892 | +0.570% | 41 | |
33 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,826 | -0.037% | 28 | |
34 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,178 | +0.290% | 43 | |
35 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,966 | +1.198% | 32 | |
36 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,385 | +0.569% | 135 | |
37 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,616 | +1.203% | 76 | |
38 | AMERISAVE MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | 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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