# Best Mortgage Lenders for USDA Loans in Columbia, SC - 2026


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


> Compare the top USDA mortgage lenders in Columbia, SC across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** Columbia, SC
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** USDA
- **Total Lenders in Market:** 122
- **Total Loan Volume:** 11,851
- **Last Updated:** 2026-02-05

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 2 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 3 | [First Palmetto Bank](https://saferate.com/lenders/first-palmetto-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 4 | [VANDERBILT MORTGAGE AND FINANCE, INC.](https://saferate.com/lenders/vanderbilt-mortgage-and-finance) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Strong 😀 |
| 5 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | Independent Mortgage Company | Strong 😀 | Mediocre 😐 | Strong 😀 |
| 6 | [GUARANTEED RATE AFFINITY, LLC](https://saferate.com/lenders/guaranteed-rate-affinity) | Independent Mortgage Company | Sound ☺️ | Acceptable 🙂 | Acceptable 🙂 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

---

*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-05*

[View interactive rankings on Safe Rate](https://saferate.com/columbia-sc/best-mortgage-lenders/usda-loans)