Known for personalized attention and clear communication, Heath Goodrich Lending Team helps clients navigate mortgage options with care and patience. They assist with loan research and explanations, making the process less stressful, especially for first-time homebuyers. Customers appreciate their responsiveness, though some note the volume of questions can extend the timeline.
Guild Mortgage offers a range of home financing options, including VA, USDA, FHA, renovation, and conventional loans, backed by decades of industry experience since 1960. The team focuses on guiding clients through every step of buying, refinancing, or renovating a home, with many customers appreciating their clear communication and personalized support throughout the process.
New American Funding in Columbia is known for its Pathway to Homeownership program, which offers financial assistance to first-time buyers. The team provides a variety of mortgage options, including conventional, FHA, and VA loans, along with unique services like NAF Cash for competitive offers. Customers appreciate the knowledgeable agents and clear communication throughout the loan process.
Silverton Mortgage specializes in personalized home loan solutions, offering FHA, VA, USDA, conventional, and jumbo loans tailored to individual needs. Their team guides clients through the mortgage process with clear communication and support, though some may find the variety of loan options requires careful consideration.
Cain Mortgage Team specializes in guiding first-time and repeat homebuyers through the mortgage process with clear explanations and responsive support. They assist with securing home loans and strive to make closings straightforward and less stressful. Customers appreciate their knowledgeable approach and availability throughout the process.
PrimeLending, A PlainsCapital Company, is known for clear communication and attentive support throughout the mortgage process. The team assists with home purchases, refinancing, and loan options, often praised for responsiveness and helping clients understand each step. Some customers note a fast, smooth experience, especially appreciated by first-time buyers.
Midland Mortgage Corporation works primarily with homeowners seeking mortgage services, including loan modifications and insurance claim handling. The team offers ongoing support, though some customers find their policies on late fees and insurance disbursements strict. Reviews reflect mixed experiences with communication and flexibility during difficult situations.
Known for clear communication and hands-on guidance throughout the mortgage process, Gulfstream Mortgage helps clients from pre-approval to closing. The team offers personalized support with home loan applications and credit preparation, making the experience smoother for first-time buyers and seasoned homeowners alike. Some clients note the process can require patience as details are addressed.
With over 23 years of experience, Golden Gate Mortgage focuses on securing competitive rates and simplifying the loan process for South Carolina homebuyers. They offer a variety of loan programs, including FHA, VA, and USDA loans, guiding clients through each step with clear communication. Customers appreciate their responsiveness and support, especially during complex situations.
Lenders made 6,160 home-purchase loans in Richland County in 2025 (average about $286,000) and denied 1,028 — 14% of decided applications, compared with 19% across South Carolina, according to federal mortgage data (HMDA, CFPB). In Columbia, the median home is worth $264,300 and 66% of owners have a mortgage, paying a median $1,621 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Richland County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Heath Goodrich Lending Team | 5.0 | 293 | — | (803) 361-8021 | Visit |
| 2 | Guild Mortgage - Lauren Sawyer Foster | 5.0 | 221 | — | (803) 391-3535 | Visit |
| 3 | New American Funding - Columbia, SC | 4.9 | 222 | — | (803) 219-1999 | Visit |
| 4 | Silverton Mortgage - Columbia | 4.9 | 196 | — | (803) 766-0484 | Visit |
| 5 | Cain Mortgage Team | 5.0 | 180 | $100 | (803) 261-9267 | Visit |
| 6 | Assurance Financial - Columbia | 5.0 | 161 | — | (803) 888-3880 | Visit |
| 7 | PrimeLending, A PlainsCapital Company - Columbia SC | 4.7 | 106 | $50 | (803) 234-7322 | Visit |
| 8 | Midland Mortgage Corporation | 4.2 | 68 | — | (803) 765-1680 | — |
| 9 | Gulfstream Mortgage | 5.0 | 57 | $50 | (803) 771-0080 | Visit |
| 10 | Golden Gate Mortgage | 4.9 | 57 | $50 | (803) 788-2880 | Visit |
General information, not financial advice — consult a qualified professional.
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