# AUGUSTA FINANCIAL, INC.

> **Canonical URL:** https://saferate.com/lenders/augusta-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AUGUSTA FINANCIAL, INC. is a independent mortgage company, headquartered in SANTA CLARITA, CA, serving borrowers across 7 states, with 495 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 68% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300XBOKNEE2CQJL92
- **Headquarters:** SANTA CLARITA, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AZ, CA, CO, ID, TN, TX, WA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.199%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,362
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 495
- **Dollar Volume:** $297 million
- **Applications Received:** 683
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $600,758
- **Average Borrower Income:** $219,442
- **Average Property Value:** $833,202

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 333 | +0.245% | $3,553 | Sound ☺️ |
| FHA | 69/100 | 111 | +0.224% | $2,786 | Strong 😀 |
| VA | 66/100 | 35 | -0.383% | $3,246 | Strong 😀 |
| Jumbo | 62/100 | 16 | +0.429% | $4,720 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 270 loans, Score: 57/100 (Sound)
- Refinance: 63 loans, Score: 55/100 (Sound)

**FHA:**
- Purchase: 101 loans, Score: 68/100 (Strong)

**VA:**
- Purchase: 32 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 414 | $253M | +0.219% | Strong 😀 |
| Refinance | 57/100 | 81 | $44M | +0.090% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 478 | 0.17% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 292 | 82/100 |
| Oxnard | CA | 101 | 81/100 |
| Bakersfield | CA | 23 | 54/100 |
| Riverside | CA | 18 | 47/100 |
| Anaheim | CA | 13 | 45/100 |

## Where This Lender Ranks

AUGUSTA FINANCIAL, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Oxnard for FHA Loans
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Oxnard for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Los Angeles for FHA Loans
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Los Angeles for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#7** in Oxnard for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#11** in Oxnard Mortgage Companies
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/mortgage-companies)
- 🏆 **#13** in Oxnard for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in Los Angeles Mortgage Companies
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in Los Angeles for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#15** in Oxnard for VA Loans
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/va-loans)
- 🏆 **#15** in Oxnard for Jumbo Loans
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/jumbo-loans)
- 🏆 **#16** in Bakersfield for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Bakersfield for FHA Loans
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/fha-loans)
- 🏆 **#18** in Oxnard
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does AUGUSTA FINANCIAL, INC. offer?

AUGUSTA FINANCIAL, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AUGUSTA FINANCIAL, INC. offer mortgages?

AUGUSTA FINANCIAL, INC. offers mortgages in 7 states: AZ, CA, CO, ID, TN, TX, WA.

### How competitive are AUGUSTA FINANCIAL, INC.'s mortgage rates?

AUGUSTA FINANCIAL, INC. has a pricing score of 32/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.199% above market average.

### What type of lender is AUGUSTA FINANCIAL, INC.?

AUGUSTA FINANCIAL, INC. is a non-depository lender that specializes in mortgage origination, headquartered in SANTA CLARITA, CA.

### What is AUGUSTA FINANCIAL, INC.'s loan approval success rate?

AUGUSTA FINANCIAL, INC. has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/augusta-financial

### How to Cite

> "AUGUSTA FINANCIAL, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/augusta-financial

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