Safe Rate Rankings

Best Conventional Mortgage Lenders in Augusta

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders86

Total Loans7,461

Median Rate Spread0.21%

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