# AUGUSTA MORTGAGE CO.

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


> **📋 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 MORTGAGE CO. is a independent mortgage company, headquartered in AUGUSTA, GA, serving borrowers across 2 states, with 178 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300WPNSM7RIMWRQ79
- **Headquarters:** AUGUSTA, GA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** GA, SC
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.058%
  - *(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:** 178
- **Dollar Volume:** $55 million
- **Applications Received:** 206
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $311,067
- **Average Borrower Income:** $133,921
- **Average Property Value:** $370,748

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 48/100 | 101 | -0.029% | $3,492 | Sound ☺️ |
| FHA | 60/100 | 31 | +0.219% | $4,236 | Sound ☺️ |
| VA | 67/100 | 45 | -0.512% | $1,236 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 95 loans, Score: 50/100 (Sound)

**FHA:**
- Purchase: 29 loans, Score: 59/100 (Sound)

**VA:**
- Purchase: 43 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 168 | $53M | -0.068% | Sound ☺️ |
| Refinance | 20/100 | 10 | $3M | +0.097% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 157 | 0.11% | 73/100 |
| SC | 21 | 0.03% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Augusta | GA-SC | 167 | 94/100 |

## Where This Lender Ranks

AUGUSTA MORTGAGE CO. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Augusta Mortgage Companies
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Augusta for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Augusta for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#11** in Augusta
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders)
- 🏆 **#11** in Augusta for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Augusta for VA Loans
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/va-loans)
- 🏆 **#18** in Augusta for Conventional Loans
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Augusta for FHA Loans
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does AUGUSTA MORTGAGE CO. offer?

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

### Where does AUGUSTA MORTGAGE CO. offer mortgages?

AUGUSTA MORTGAGE CO. offers mortgages in 2 states: GA, SC.

### How competitive are AUGUSTA MORTGAGE CO.'s mortgage rates?

AUGUSTA MORTGAGE CO. has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.058% below market average.

### What type of lender is AUGUSTA MORTGAGE CO.?

AUGUSTA MORTGAGE CO. is a non-depository lender that specializes in mortgage origination, headquartered in AUGUSTA, GA.

### What is AUGUSTA MORTGAGE CO.'s loan approval success rate?

AUGUSTA MORTGAGE CO. has a pull-through score of 74/100 (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-mortgage

### How to Cite

> "AUGUSTA MORTGAGE CO. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/augusta-mortgage

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