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Augusta Financial

Independent Mortgage Company•Santa Clarita, CAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Augusta Financial — 495 loans across 683 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 5 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA and Jumbo loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Augusta Financial performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+19.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume333
Mix67.3%
Spread
+0.245%Above
Fees
$3,553Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume111
Mix22.4%
Spread
+0.224%Above
Fees
$2,786Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume35
Mix7.1%
Spread
-0.383%Below
Fees
$3,246Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume16
Mix3.2%
Spread
+0.429%Above
Fees
$4,720Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume414
Mix83.6%
Spread
+0.219%Above
Fees
$3,412Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume81
Mix16.4%
Spread
+0.090%Above
Fees
$3,096Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
495
Applications
683
Volume
$297 million
Pricing & Closing
Avg Rate Spread
+0.199%
vs. market APOR
Avg Net Fees
$3,362
Origination − Credits
Pullthrough Rate
72.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$600,758
Avg Borrower Income
$219,442
Avg Property Value
$833,202

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
TNTX
West5
AZCACOIDWA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 292Mix 58.99% of portfolio
82/100
Exceptional
2© Unknown · CC BY-SA 3.0
Oxnard, CAMetro
Volume 101Mix 20.40% of portfolio
81/100
Exceptional
3© Bobak Ha'Eri · CC BY 3.0
Bakersfield, CAMetro
Volume 23Mix 4.65% of portfolio
54/100
Sound
4© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 18Mix 3.64% of portfolio
47/100
Sound
5© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 13Mix 2.63% of portfolio
45/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 478Mix 96.57% of portfolio
76/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.