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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 VA 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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,514 | -0.612% | 53 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,918 | -0.136% | 338 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,196 | -0.505% | 207 | |
4 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,058 | +0.094% | 198 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,618 | +0.503% | 77 | |
6 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $2,557 | +0.066% | 360 | |
7 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,549 | +0.032% | 341 | |
8 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,493 | +0.037% | 187 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,551 | +0.152% | 131 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,239 | -0.255% | 71 | |
11 | AUGUSTA MORTGAGE CO. | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,264 | -0.063% | 167 | |
12 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $964 | -0.140% | 74 | |
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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,556 | +0.151% | 37 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,904 | +0.311% | 711 | |
17 | COLONY BANK | Strong | Sound | Strong | Strong | Exceptional | $2,008 | +0.201% | 109 | |
18 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,805 | +0.356% | 60 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,962 | +0.283% | 55 | |
20 | PENTAGON FEDERAL CREDIT UNION | Strong | Strong | Exceptional | Sound | Sound | $2,460 | -0.280% | 32 | |
21 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,783 | +0.107% | 31 | |
22 | Pinnacle Bank | Strong | Strong | Strong | Strong | Sound | $1,652 | -0.118% | 17 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,069 | +0.258% | 587 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | -$244 | +0.735% | 407 | |
25 | SRP Federal Credit Union | Strong | Sound | — | Strong | Exceptional | $2,925 | -0.183% | 227 | |
26 | Security Federal Bank | Strong | Sound | — | Strong | Exceptional | $2,732 | -0.291% | 153 | |
27 | Cadence Bank | Strong | Sound | Strong | Strong | Strong | $2,447 | +0.029% | 86 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,842 | +0.668% | 68 | |
29 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,483 | +0.276% | 58 | |
30 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,723 | +0.391% | 31 | |
31 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $2,561 | +0.391% | 26 | |
32 | Queensborough National Bank & Trust Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,648 | -0.010% | 266 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,928 | +0.246% | 117 | |
34 | Regions Bank | Strong | Sound | Strong | Sound | Strong | $2,635 | +0.291% | 116 | |
35 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $3,899 | +0.112% | 101 | |
36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,961 | +0.361% | 90 | |
37 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,981 | +0.633% | 48 | |
38 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,349 | +0.597% | 39 | |
39 | First Community Bank | Strong | Sound | Sound | Strong | Strong | $2,509 | +0.067% | 28 | |
40 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Strong | $2,379 | +0.307% | 67 | |
41 | CAROLINA ONE MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,237 | +0.193% | 66 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,481 | +0.249% | 42 | |
43 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,395 | +0.542% | 32 | |
44 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,475 | -0.576% | 23 | |
45 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,623 | +0.453% | 171 | |
46 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,809 | +0.731% | 33 | |
47 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,161 | +0.379% | 29 | |
48 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,660 | +1.347% | 45 | |
49 | AMERISAVE MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $2,377 | +0.583% | 22 |
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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