Pricing Guide · Columbia
Mortgage Brokers Cost in Columbia, TN — 2026 Price Guide
What should you pay for mortgage brokers in Columbia? See real 2026 price ranges from local pros and get free quotes to compare.
As of May 2026, RatingsNearMe ranks 15 mortgage brokers in Columbia, TN by verified customer ratings and review volume. The highest-rated is Stockton Mortgage | Corporate | Frankfort, KY | NMLS# 8259 with a 4.9-star rating from 1,037 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
15
Businesses listed
4.8★
Avg rating
151
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Stockton Mortgage | Corporate | Frankfort, KY | NMLS# 8259
88 C Michael Davenport Blvd STE 1, Frankfort, KY 40601, USA
Ross Mortgage Corporation — Alex Jimenez (AJNashville Team)
220 Town Center Pkwy # 204, Spring Hill, TN 37174, USA
Embrace Home Loans - Columbia, MD
6100 Merriweather Dr #220, Columbia, MD 21044, USA
Mortgage 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 | US Bank Mortgage400 Westover Dr, Columbia, TN 38401, USA | — | — |
| #5 | Security Finance1907 Carmack Blvd Suite E, Columbia, TN 38401, USA | 4.7★ | 102 |
| #6 | Heights Finance208 W 5th St B, Columbia, TN 38401, USA | 4.0★ | 9 |
| #7 | Regional Finance1159 Trotwood Ave Suite D, Columbia, TN 38401, USA | 4.3★ | 53 |
| #8 | 1st Franklin Financial2120 Brookmeade Dr F, Columbia, TN 38401, USA | 4.9★ | 198 |
| #9 | Union Home Mortgage610 N Garden St, Columbia, TN 38401, USA | — | — |
| #10 | American Mortgage Group, LLC1414 Gray Fox Ln, Spring Hill, TN 37174, USA | 5.0★ | 5 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Columbia
US Bank Mortgage
400 Westover Dr, Columbia, TN 38401, USA
Security Finance
1907 Carmack Blvd Suite E, Columbia, TN 38401, USA
Heights Finance
208 W 5th St B, Columbia, TN 38401, USA
Regional Finance
1159 Trotwood Ave Suite D, Columbia, TN 38401, USA
1st Franklin Financial
2120 Brookmeade Dr F, Columbia, TN 38401, USA
Union Home Mortgage
610 N Garden St, Columbia, TN 38401, USA
American Mortgage Group, LLC
1414 Gray Fox Ln, Spring Hill, TN 37174, USA
Teresa Cepicky, FirstBank Mortgage, NMLS# 1460595
18 Public Square, Columbia, TN 38401, USA
Kelley Mortgage LLC
105 E James Campbell Blvd # 2, Columbia, TN 38401, USA
FirstBank Mortgage
18 Public Square, Columbia, TN 38401, USA
Todd Kabel, FirstBank Mortgage, NMLS# 628403
18 Public Square, Columbia, TN 38401, USA
Cain Mortgage Team
2717 Devine St, Columbia, SC 29205, USA
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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: May 17, 2026.
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