🛡️
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 FHA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,493 | +0.037% | 187 | |
2 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,514 | -0.612% | 53 | |
3 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $2,557 | +0.066% | 360 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,918 | -0.136% | 338 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,551 | +0.152% | 131 | |
6 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $2,447 | +0.029% | 86 | |
7 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Strong | $1,383 | +0.151% | 60 | |
8 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,058 | +0.094% | 198 | |
9 | COLONY BANK | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,008 | +0.201% | 109 | |
10 | BANKSOUTH MORTGAGE COMPANY, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,899 | +0.112% | 101 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,618 | +0.503% | 77 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,239 | -0.255% | 71 | |
13 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,104 | +0.123% | 50 | |
14 | Synovus Bank | Exceptional | Strong | Strong | Strong | Strong | $2,546 | +0.063% | 47 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,904 | +0.311% | 711 | |
16 | Queensborough National Bank & Trust Company | Strong | Sound | Strong | Strong | Exceptional | $3,648 | -0.010% | 266 | |
17 | AUGUSTA MORTGAGE CO. | Strong | Sound | Sound | Exceptional | Exceptional | $3,264 | -0.063% | 167 | |
18 | Security Federal Bank | Strong | Strong | Sound | Sound | Exceptional | $2,732 | -0.291% | 153 | |
19 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,805 | +0.356% | 60 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,962 | +0.283% | 55 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,069 | +0.258% | 587 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,549 | +0.032% | 341 | |
23 | SRP Federal Credit Union | Strong | Sound | Sound | Strong | Exceptional | $2,925 | -0.183% | 227 | |
24 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $2,635 | +0.291% | 116 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,842 | +0.668% | 68 | |
26 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,379 | +0.307% | 67 | |
27 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,723 | +0.391% | 31 | |
28 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | -$244 | +0.735% | 407 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,961 | +0.361% | 90 | |
30 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,981 | +0.633% | 48 | |
31 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,349 | +0.597% | 39 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,395 | +0.542% | 32 | |
33 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,561 | +0.391% | 26 | |
34 | CAROLINA ONE MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,237 | +0.193% | 66 | |
35 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,227 | +0.179% | 40 | |
36 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,556 | +0.151% | 37 | |
37 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,809 | +0.731% | 33 | |
38 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,783 | +0.107% | 31 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,961 | +0.305% | 24 | |
40 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $103 | +0.266% | 19 | |
41 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $1,977 | +0.373% | 18 | |
42 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,623 | +0.453% | 171 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,928 | +0.246% | 117 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,161 | +0.379% | 29 | |
45 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,450 | +0.663% | 26 | |
46 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $2,377 | +0.583% | 22 | |
47 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,481 | +0.249% | 42 | |
48 | MILEND, INC. | Sound | Mediocre | Strong | Sound | Sound | $5,057 | +0.513% | 17 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
AugustaFHA
No credit impact
3-minute process
100% free