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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 Lenders in Columbia

Updated February 5, 2026

Market Overview

122

Total Lenders

11,851

Total Loans

0.26%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
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	Ameris Bank	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,753	+0.157%	391
5	First Palmetto Bank	Exceptional	Strong	Strong	Exceptional	Exceptional	$894	-0.079%	290
6	GUARANTEED RATE AFFINITY, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$3,197	+0.355%	226
7	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$996	-0.526%	184
8	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,751	+0.153%	563
9	MOVEMENT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,143	+0.281%	350
10	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,032	+0.190%	186
11	First Reliance Bank	Exceptional	Strong	Strong	Strong	Exceptional	$1,646	+0.101%	168
12	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,483	+0.309%	142
13	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,047	-0.170%	69
14	First Federal Bank	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,403	-0.213%	26
15	RESOURCE FINANCIAL SERVICES, INC.	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,260	+0.273%	384
16	JPMorgan Chase Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,772	+0.012%	168
17	PRIMELENDING, A PLAINSCAPITAL COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,086	+0.473%	156
18	SouthState Bank, National Association	Exceptional	Strong	Strong	Strong	Strong	$1,988	+0.208%	124
19	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,234	+0.383%	86
20	Renasant Bank	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,252	+0.243%	76
21	Synovus Bank	Exceptional	Strong	Strong	Strong	Strong	$1,314	+0.262%	69
22	USAA Federal Savings Bank	Exceptional	Strong	Exceptional	Sound	Strong	$1,767	-0.193%	57
23	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,879	+0.376%	790
24	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,247	+0.098%	146
25	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$1,686	+0.430%	83
26	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$2,380	+0.247%	71
27	TOWNE MORTGAGE COMPANY	Strong	Sound	Exceptional	Exceptional	Sound	$2,129	+0.389%	38
28	Trustmark National Bank	Strong	Sound	Exceptional	Exceptional	Sound	$2,231	+0.208%	31
29	American Security Mortgage Corp.	Strong	Sound	Exceptional	Exceptional	Sound	$2,679	+0.070%	28
30	RESICENTRAL, LLC	Strong	Strong	Strong	Strong	Sound	$1,108	+0.096%	26
31	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,068	+0.347%	959
32	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,665	+0.597%	359
33	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,479	+0.529%	279
34	First Community Bank	Strong	Sound	Sound	Strong	Exceptional	$2,430	+0.253%	134
35	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,788	+0.555%	131
36	DELMAR FINANCIAL COMPANY	Strong	Sound	Strong	Strong	Strong	$2,299	+0.217%	83
37	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,976	+0.139%	27
38	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,568	+0.401%	145
39	Regions Bank	Strong	Sound	Strong	Sound	Strong	$2,564	+0.026%	101
40	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,846	+0.463%	69
41	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,521	+0.514%	55
42	Integrity Home Mortgage Corporation	Strong	Acceptable	Exceptional	Strong	Strong	$1,633	-0.006%	48
43	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,987	+0.752%	48
44	Assurance Financial Group, L.L.C.	Strong	Acceptable	Strong	Strong	Strong	$2,639	+0.489%	103
45	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$3,127	+0.688%	44
46	MORTGAGE SOLUTIONS OF COLORADO, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,892	+0.570%	41
47	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$3,826	-0.037%	28
48	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,178	+0.290%	43
49	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,966	+1.198%	32
50	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)

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.

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