4.5+ Stars · Columbia
Highly Rated Mortgage Brokers in Columbia, TN
Only the best make this list. These mortgage brokers in Columbia have earned 4.5+ star ratings from real customers — consistently.
As of July 2026, RatingsNearMe ranks 15 mortgage brokers in Columbia, TN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Stockton Mortgage | Corporate | Frankfort, KY | NMLS# 8259 with a 4.9-star rating from 1,037 Google reviews and an RNM Score of 87/100. Also in the top tier: Ross Mortgage Corporation — Alex Jimenez (AJNashville Team) and Embrace Home Loans - Columbia, MD. The average rating across all listed mortgage brokers in Columbia is 4.8 stars from 151 reviews per business on average.
Mortgage brokers in Columbia: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Security Finance
Security Finance stands out as the top-ranked broker due to its strong local reputation and consistent high ratings among Columbia residents.
Most Reviewed
Security Finance
Having the most reviews indicates a large customer base and proven reliability, which helps borrowers gauge service quality and trustworthiness.
When choosing a mortgage broker in Columbia, compare loan options and fees from multiple brokers, and prioritize those with transparent communication and local market expertise.
Local Market Snapshot
15
Businesses listed
4.8★
Avg rating
151
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Columbia, TN mortgage broker with a 4.9★ rating from over 1,000 Google reviews.
88 C Michael Davenport Blvd STE 1, Frankfort, KY 40601, USARated 5.0 stars from 72 Google reviews by local clients.
220 Town Center Pkwy # 204, Spring Hill, TN 37174, USAEarning 4.9 stars from 246 Google reviews, this lender is highly trusted locally.
6100 Merriweather Dr #220, Columbia, MD 21044, USAMortgage Brokers Rankings in Columbia, TN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Stockton Mortgage | Corporate | Frankfort, KY | NMLS# 825988 C Michael Davenport Blvd STE 1, Frankfort, KY 40601, USA | 4.9★ | 1,037 |
| #2 | Ross Mortgage Corporation — Alex Jimenez (AJNashville Team)220 Town Center Pkwy # 204, Spring Hill, TN 37174, USA | 5.0★ | 72 |
| #3 | Embrace Home Loans - Columbia, MD6100 Merriweather Dr #220, Columbia, MD 21044, USA | 4.9★ | 246 |
| #4 | Teresa Cepicky, FirstBank Mortgage, NMLS# 146059518 Public Square, Columbia, TN 38401, USA | 5.0★ | 34 |
| #5 | Kelley Mortgage LLC105 E James Campbell Blvd # 2, Columbia, TN 38401, USA | 5.0★ | 19 |
| #6 | Cain Mortgage Team2717 Devine St, Columbia, SC 29205, USA | 5.0★ | 176 |
| #7 | Todd Kabel, FirstBank Mortgage, NMLS# 62840318 Public Square, Columbia, TN 38401, USA | 5.0★ | 9 |
| #8 | FirstBank Mortgage18 Public Square, Columbia, TN 38401, USA | 5.0★ | 5 |
| #9 | Security Finance1907 Carmack Blvd Suite E, Columbia, TN 38401, USA | 4.7★ | 102 |
| #10 | US Bank Mortgage400 Westover Dr, Columbia, TN 38401, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Columbia
Earns a perfect 5.0-star rating from 34 glowing Google reviews.
18 Public Square, Columbia, TN 38401, USA
Trusted by clients with a perfect 5.0 rating from dozens of reviews.
105 E James Campbell Blvd # 2, Columbia, TN 38401, USA
Trusted by hundreds of local clients with a perfect 5.0-star rating.
2717 Devine St, Columbia, SC 29205, USA
Earned a perfect 5.0-star rating from 9 Google reviews.
18 Public Square, Columbia, TN 38401, USA
A 5.0-star rating from 5 Google reviews reflects exceptional local service.
18 Public Square, Columbia, TN 38401, USA
Columbia's trusted mortgage broker with a 4.7★ rating from over 100 reviews.
1907 Carmack Blvd Suite E, Columbia, TN 38401, USA
A new mortgage broker in Columbia, TN, with no customer reviews yet.
400 Westover Dr, Columbia, TN 38401, USA
4.3 stars from 53 reviews, rating this mortgage broker as reliable.
1159 Trotwood Ave Suite D, Columbia, TN 38401, USA
Columbia, TN mortgage broker with a 4.9-star rating from nearly 200 reviews.
2120 Brookmeade Dr F, Columbia, TN 38401, USA
Shoppers report solid service from this local lender, earning a 4.0-star rating from 9 reviews.
208 W 5th St B, Columbia, TN 38401, USA
New to Google, this Columbia mortgage broker has no customer reviews yet.
610 N Garden St, Columbia, TN 38401, USA
5.0-star rating from 5 reviews, reflecting exceptional local client satisfaction.
1414 Gray Fox Ln, Spring Hill, TN 37174, USA
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Mortgage Brokers in Columbia, TN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Stockton Mortgage | Corporate | Frankfort, KY | NMLS# 8259 | 87/100 | 4.9 ★ | 1,037 |
| 2 | Ross Mortgage Corporation — Alex Jimenez (AJNashville Team) | 93/100 | 5.0 ★ | 72 |
| 3 | Embrace Home Loans - Columbia, MD | 87/100 | 4.9 ★ | 246 |
| 4 | Teresa Cepicky, FirstBank Mortgage, NMLS# 1460595 | 78/100 | 5.0 ★ | 34 |
| 5 | Kelley Mortgage LLC | 75/100 | 5.0 ★ | 19 |
| 6 | Cain Mortgage Team | 86/100 | 5.0 ★ | 176 |
| 7 | Todd Kabel, FirstBank Mortgage, NMLS# 628403 | 71/100 | 5.0 ★ | 9 |
| 8 | FirstBank Mortgage | 68/100 | 5.0 ★ | 5 |
| 9 | Security Finance | 78/100 | 4.7 ★ | 102 |
| 10 | US Bank Mortgage | 3/100 | — | 0 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Columbia
What does a mortgage broker do differently than going directly to a bank in Columbia?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Columbia?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in TN?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 5, 2026.
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