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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 Mortgage Lenders in Augusta
Updated February 5, 2026
Market Overview
86
Total Lenders
7,461
Total Loans
0.21%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $1,196 | -0.505% | 207 | |
2 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $1,514 | -0.612% | 53 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,918 | -0.136% | 338 | |
4 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $3,058 | +0.094% | 198 | |
5 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,493 | +0.037% | 187 | |
6 | COLONY BANK | Strong | Sound | Exceptional | Exceptional | $2,008 | +0.201% | 109 | |
7 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $1,383 | +0.151% | 60 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,216 | -0.110% | 45 | |
9 | SouthState Bank, National Association | Strong | Sound | Strong | Exceptional | $2,557 | +0.066% | 360 | |
10 | SRP Federal Credit Union | Strong | Sound | Strong | Exceptional | $2,925 | -0.183% | 227 | |
11 | AUGUSTA MORTGAGE CO. | Strong | Sound | Strong | Exceptional | $3,264 | -0.063% | 167 | |
12 | Security Federal Bank | Strong | Sound | Strong | Exceptional | $2,732 | -0.291% | 153 | |
13 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $1,618 | +0.503% | 77 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,483 | +0.276% | 58 | |
15 | Truist Bank | Strong | Strong | Strong | Sound | $2,296 | +0.167% | 23 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,904 | +0.311% | 711 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,069 | +0.258% | 587 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,549 | +0.032% | 341 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,551 | +0.152% | 131 | |
20 | Regions Bank | Strong | Sound | Strong | Strong | $2,635 | +0.291% | 116 | |
21 | Cadence Bank | Strong | Sound | Strong | Strong | $2,447 | +0.029% | 86 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,239 | -0.255% | 71 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,962 | +0.283% | 55 | |
24 | Synovus Bank | Strong | Sound | Strong | Strong | $2,546 | +0.063% | 47 | |
25 | First Community Bank | Strong | Sound | Strong | Strong | $2,509 | +0.067% | 28 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | -$244 | +0.735% | 407 | |
27 | Queensborough National Bank & Trust Company | Strong | Acceptable | Strong | Exceptional | $3,648 | -0.010% | 266 | |
28 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Acceptable | Exceptional | Strong | $3,899 | +0.112% | 101 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $2,961 | +0.361% | 90 | |
30 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $964 | -0.140% | 74 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,842 | +0.668% | 68 | |
32 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Strong | $2,379 | +0.307% | 67 | |
33 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,673 | +0.050% | 45 | |
34 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,556 | +0.151% | 37 | |
35 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $3,623 | +0.453% | 171 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,928 | +0.246% | 117 | |
37 | CAROLINA ONE MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,237 | +0.193% | 66 | |
38 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,805 | +0.356% | 60 | |
39 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Strong | $2,104 | +0.123% | 50 | |
40 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Strong | Strong | $1,981 | +0.633% | 48 | |
41 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Sound | $4,349 | +0.597% | 39 | |
42 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,395 | +0.542% | 32 | |
43 | PENTAGON FEDERAL CREDIT UNION | Strong | Sound | Sound | Sound | $2,460 | -0.280% | 32 | |
44 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Sound | $3,723 | +0.391% | 31 | |
45 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,783 | +0.107% | 31 | |
46 | Coastal Carolina National Bank | Strong | Acceptable | Strong | Strong | $883 | +0.293% | 29 | |
47 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $3,475 | -0.576% | 23 | |
48 | Associated Credit Union | Strong | Sound | Sound | Sound | $3,277 | -1.126% | 20 | |
49 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,481 | +0.249% | 42 | |
50 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $5,227 | +0.179% | 40 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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