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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 Conventional Mortgage Bank Lenders in Augusta
Updated February 5, 2026
Market Overview
18
Total Lenders
7,461
Total Loans
0.21%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,216 | -0.110% | 45 | |
2 | SouthState Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,557 | +0.066% | 360 | |
3 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,058 | +0.094% | 198 | |
4 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,483 | +0.276% | 58 | |
5 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $2,296 | +0.167% | 23 | |
6 | COLONY BANK | Strong | Sound | Strong | Strong | Exceptional | $2,008 | +0.201% | 109 | |
7 | Cadence Bank | Strong | Sound | Exceptional | Strong | Strong | $2,447 | +0.029% | 86 | |
8 | Synovus Bank | Strong | Sound | Strong | Strong | Strong | $2,546 | +0.063% | 47 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,673 | +0.050% | 45 | |
10 | Queensborough National Bank & Trust Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,648 | -0.010% | 266 | |
11 | Security Federal Bank | Strong | Sound | Sound | Sound | Exceptional | $2,732 | -0.291% | 153 | |
12 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,635 | +0.291% | 116 | |
13 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,805 | +0.356% | 60 | |
14 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | $1,383 | +0.151% | 60 | |
15 | Pinnacle Bank | Strong | Sound | Strong | Strong | Sound | $1,652 | -0.118% | 17 | |
16 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $964 | -0.140% | 74 | |
17 | First Community Bank | Strong | Sound | Sound | Sound | Strong | $2,509 | +0.067% | 28 | |
18 | Coastal Carolina National Bank | Sound | Acceptable | Sound | Sound | Strong | $883 | +0.293% | 29 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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