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AUGUSTA MORTGAGE CO.
Independent Mortgage Company|AUGUSTA, GA|Regional
Loans Originated
178
Applications
206
Volume
$55 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
-0.058%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,362
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
86.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
AUGUSTA MORTGAGE CO. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Sound | Industry Standard | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Mediocre | Below peers | |
Places Geographic coverage | Exceptional | Regional · 1 metro areas · 2 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$311,067
Average Borrower Income
$133,921
Average Property Value
$370,748
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Strong | 101 | 56.7% | -0.029% | $3,492 |
FHA Loans | Strong | Sound | N/A | Exceptional | 31 | 17.4% | +0.219% | $4,236 |
VA Loans | Strong | Strong | N/A | Exceptional | 45 | 25.3% | -0.512% | $1,236 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Strong | 168 | 94.4% | -0.068% | $3,441 |
Refinance | Mediocre | Mediocre | N/A | N/A | 10 | 5.6% | +0.097% | $2,181 |
Geographic Coverage
Metro Areas
1
States Served
2
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
GASC
Top Metro Areas by Place Specialization Score
1
Augusta, GA-SCMSA
Volume: 167Mix: 93.82%
Place Specialization
Exceptional
Top States by Place Specialization Score
1
GAState
Volume: 157Mix: 88.20%
Place Specialization
Strong
2
SCState
Volume: 21Mix: 11.80%
Place Specialization
Sound
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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