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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 Lenders in Augusta

Updated February 5, 2026

Market Overview

Total Lenders

7,461

Total Loans

0.21%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$1,196	-0.505%	207
2	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,493	+0.037%	187
3	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,216	-0.110%	45
4	SouthState Bank, National Association	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,557	+0.066%	360
5	Ameris Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,058	+0.094%	198
6	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,483	+0.276%	58
7	Truist Bank	Exceptional	Strong	Exceptional	Strong	Sound	$2,296	+0.167%	23
8	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,904	+0.311%	711
9	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,918	-0.136%	338
10	SRP Federal Credit Union	Strong	Sound	Strong	Strong	Exceptional	$2,925	-0.183%	227
11	COLONY BANK	Strong	Sound	Strong	Strong	Exceptional	$2,008	+0.201%	109
12	Cadence Bank	Strong	Sound	Exceptional	Strong	Strong	$2,447	+0.029%	86
13	VANDERBILT MORTGAGE AND FINANCE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,618	+0.503%	77
14	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,962	+0.283%	55
15	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,069	+0.258%	587
16	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,549	+0.032%	341
17	AUGUSTA MORTGAGE CO.	Strong	Sound	Sound	Strong	Exceptional	$3,264	-0.063%	167
18	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,239	-0.255%	71
19	Synovus Bank	Strong	Sound	Strong	Strong	Strong	$2,546	+0.063%	47
20	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$1,673	+0.050%	45
21	Queensborough National Bank & Trust Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,648	-0.010%	266
22	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,623	+0.453%	171
23	Security Federal Bank	Strong	Sound	Sound	Sound	Exceptional	$2,732	-0.291%	153
24	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,551	+0.152%	131
25	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,928	+0.246%	117
26	Regions Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,635	+0.291%	116
27	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$2,961	+0.361%	90
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,842	+0.668%	68
29	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$1,805	+0.356%	60
30	First-Citizens Bank & Trust Company	Strong	Sound	Strong	Sound	Strong	$1,383	+0.151%	60
31	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$2,104	+0.123%	50
32	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,349	+0.597%	39
33	Pinnacle Bank	Strong	Sound	Strong	Strong	Sound	$1,652	-0.118%	17
34	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	-$244	+0.735%	407
35	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Strong	$964	-0.140%	74
36	Assurance Financial Group, L.L.C.	Strong	Acceptable	Strong	Strong	Strong	$2,379	+0.307%	67
37	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,481	+0.249%	42
38	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,556	+0.151%	37
39	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,395	+0.542%	32
40	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,783	+0.107%	31
41	First Community Bank	Strong	Sound	Sound	Sound	Strong	$2,509	+0.067%	28
42	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,961	+0.305%	24
43	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$3,475	-0.576%	23
44	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$103	+0.266%	19
45	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$1,977	+0.373%	18
46	CAROLINA ONE MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Strong	$3,237	+0.193%	66
47	FBC MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Strong	$1,514	-0.612%	53
48	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$5,227	+0.179%	40
49	PLANET HOME LENDING, LLC	Strong	Acceptable	Strong	Strong	Sound	$3,723	+0.391%	31
50	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,561	+0.391%	26

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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