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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 Bank Mortgage Lenders in Augusta
Updated February 5, 2026
Market Overview
18
Total Lenders
1,898
Total Loans
0.12%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $3,058 | +0.094% | 198 | |
2 | COLONY BANK | Strong | Sound | Exceptional | Exceptional | $2,008 | +0.201% | 109 | |
3 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $1,383 | +0.151% | 60 | |
4 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,216 | -0.110% | 45 | |
5 | SouthState Bank, National Association | Strong | Sound | Strong | Exceptional | $2,557 | +0.066% | 360 | |
6 | Security Federal Bank | Strong | Sound | Strong | Exceptional | $2,732 | -0.291% | 153 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,483 | +0.276% | 58 | |
8 | Truist Bank | Strong | Strong | Strong | Sound | $2,296 | +0.167% | 23 | |
9 | Regions Bank | Strong | Sound | Strong | Strong | $2,635 | +0.291% | 116 | |
10 | Cadence Bank | Strong | Sound | Strong | Strong | $2,447 | +0.029% | 86 | |
11 | Synovus Bank | Strong | Sound | Strong | Strong | $2,546 | +0.063% | 47 | |
12 | First Community Bank | Strong | Sound | Strong | Strong | $2,509 | +0.067% | 28 | |
13 | Queensborough National Bank & Trust Company | Strong | Acceptable | Strong | Exceptional | $3,648 | -0.010% | 266 | |
14 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $964 | -0.140% | 74 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,673 | +0.050% | 45 | |
16 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,805 | +0.356% | 60 | |
17 | Coastal Carolina National Bank | Strong | Acceptable | Strong | Strong | $883 | +0.293% | 29 | |
18 | The Federal Savings Bank | Sound | Mediocre | Sound | Sound | $3,316 | +0.282% | 25 |
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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