Top Mortgage Lenders in Augusta, GA

Lender Rankings / Last Updated: January 25, 2021

Which mortgage lender in the Augusta, GA area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Augusta, GA area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Augusta, GA area in terms of interest rate is Queensborough National Bank & Trust Company, with an average “Rate Difference” of -0.27%. This means that, comparing similar borrowers, Queensborough National Bank & Trust Company provided a -0.27% lower interest rate for its customers than other lenders in the area. Queensborough National Bank & Trust Company has a market share of 9.0%. It is the most popular lender in the Augusta, GA area.

Our detailed ranking of mortgage lenders in the Augusta, GA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Augusta, GA is Queensborough National Bank & Trust Company. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Synovus Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Queensborough National Bank & Trust Company. The cheapest VA mortgage provider is also Queensborough National Bank & Trust Company. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Augusta, GA

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Queensborough National Bank & Trust Company-0.27%(5.0)9.04%
DHI Mortgage Company Limited-0.19%(4.5)0.90%
SRP Federal Credit Union-0.11%(4.0)7.68%
Navy Federal Credit Union-0.09%(4.0)5.06%
South State Bank-0.07%(4.0)4.42%
PennyMac Loan Services-0.07%(4.0)1.03%
Bank of America-0.06%(4.0)1.80%
Village Capital-0.06%(4.0)0.40%
Magnolia Bank-0.06%(4.0)1.70%
Augusta Mortgage Company-0.06%(4.0)1.52%
North American Savings Bank-0.06%(4.0)0.38%
NewRez-0.05%(4.0)0.94%
CenterState Bank-0.05%(3.5)2.38%
Home Point Financial Corporation-0.04%(3.5)0.74%
Pentagon Federal Credit Union-0.04%(3.5)0.41%
Amerisave Mortgage Corporation-0.04%(3.5)0.37%
Fifth Third Bank-0.04%(3.5)0.36%
First Community Bank – SC & GA-0.04%(3.5)0.66%
TD Bank-0.03%(3.5)0.60%
Lakeview Loan Servicing-0.03%(3.5)0.40%
SunTrust Bank-0.03%(3.5)0.78%
Caliber Home Loans-0.02%(3.5)0.67%
JPMorgan Chase Bank-0.02%(3.5)0.48%
Synovus Bank-0.01%(3.5)0.79%
Ameris Bank-0.01%(3.5)3.07%
Wells Fargo Bank0.00%(3.5)4.04%
BankSouth Mortgage0.00%(3.5)4.12%
US Bank0.01%(3.5)0.38%
loanDepot0.03%(3.5)1.57%
PrimeLending0.03%(3.5)1.42%
First Citizens Bank0.03%(3.5)0.72%
Atlantic Bay Mortgage Group0.05%(3.0)1.76%
USAA0.05%(3.0)3.57%
Regions Bank0.05%(3.0)2.91%
Movement Mortgage0.06%(3.0)2.19%
Vanderbilt Mortgage0.06%(3.0)0.41%
First Federal Bank of Florida0.08%(3.0)0.37%
Freedom Mortgage Corporation0.09%(3.0)0.70%
Flagstar Bank0.10%(3.0)1.97%
New American Funding0.10%(3.0)7.06%
Mr. Cooper0.11%(3.0)0.73%
Academy Mortgage Corporation Utah0.11%(3.0)0.72%
Quicken Loans0.12%(3.0)7.62%
Carrington Mortgage Services0.12%(3.0)1.67%
First Choice Mortgage0.12%(3.0)2.06%
Planet Home Lending0.13%(3.0)0.74%
The Federal Savings Bank0.14%(3.0)0.48%
HomeStar Financial0.20%(2.5)0.67%
Guild Mortgage Company0.25%(2.0)5.00%
NewDay USA0.43%(1.5)0.55%
Lender NameRate DifferenceRate RatingMarket Share
Queensborough National Bank & Trust Company-0.27%(5.0)10.93%
DHI Mortgage Company Limited-0.19%(4.5)1.23%
SRP Federal Credit Union-0.12%(4.0)6.75%
Wells Fargo Bank-0.09%(4.0)3.68%
Navy Federal Credit Union-0.08%(4.0)6.31%
Bank of America-0.08%(4.0)1.85%
JPMorgan Chase Bank-0.08%(4.0)0.34%
NewRez-0.07%(4.0)0.92%
North American Savings Bank-0.07%(4.0)0.39%
Magnolia Bank-0.06%(4.0)1.82%
Augusta Mortgage Company-0.06%(4.0)1.96%
South State Bank-0.05%(4.0)4.94%
Home Point Financial Corporation-0.05%(3.5)0.76%
CenterState Bank-0.04%(3.5)3.09%
Pentagon Federal Credit Union-0.03%(3.5)0.33%
First Community Bank – SC & GA-0.03%(3.5)0.78%
Fifth Third Bank-0.03%(3.5)0.31%
SunTrust Bank-0.02%(3.5)0.70%
TD Bank-0.01%(3.5)0.44%
Synovus Bank-0.01%(3.5)0.99%
US Bank0.00%(3.5)0.28%
Ameris Bank0.01%(3.5)3.23%
BankSouth Mortgage0.01%(3.5)5.38%
First Federal Bank of Florida0.01%(3.5)0.17%
Freedom Mortgage Corporation0.02%(3.5)0.31%
Lakeview Loan Servicing0.02%(3.5)0.02%
PennyMac Loan Services0.03%(3.5)0.11%
Amerisave Mortgage Corporation0.03%(3.5)0.06%
NewDay USA0.04%(3.5)0.06%
PrimeLending0.04%(3.5)1.74%
Caliber Home Loans0.05%(3.5)0.19%
loanDepot0.05%(3.5)0.28%
Regions Bank0.05%(3.0)2.75%
Atlantic Bay Mortgage Group0.06%(3.0)2.38%
Vanderbilt Mortgage0.06%(3.0)0.45%
Movement Mortgage0.07%(3.0)2.63%
First Citizens Bank0.07%(3.0)0.58%
USAA0.08%(3.0)4.18%
Mr. Cooper0.10%(3.0)0.28%
Flagstar Bank0.11%(3.0)2.46%
Academy Mortgage Corporation Utah0.12%(3.0)0.95%
First Choice Mortgage0.13%(3.0)2.78%
New American Funding0.14%(3.0)8.38%
Quicken Loans0.16%(2.5)3.23%
Planet Home Lending0.17%(2.5)0.73%
HomeStar Financial0.21%(2.5)0.93%
Carrington Mortgage Services0.28%(2.0)0.65%
Guild Mortgage Company0.29%(2.0)6.31%
Lender NameRate DifferenceRate RatingMarket Share
Queensborough National Bank & Trust Company-0.19%(4.5)4.19%
South State Bank-0.16%(4.5)3.08%
Navy Federal Credit Union-0.13%(4.0)1.84%
New American Funding-0.10%(4.0)3.67%
SRP Federal Credit Union-0.10%(4.0)10.06%
PennyMac Loan Services-0.09%(4.0)3.39%
Village Capital-0.08%(4.0)1.44%
USAA-0.07%(4.0)2.00%
Amerisave Mortgage Corporation-0.06%(4.0)1.16%
TD Bank-0.06%(4.0)1.04%
Caliber Home Loans-0.06%(4.0)1.92%
Pentagon Federal Credit Union-0.05%(4.0)0.64%
Fifth Third Bank-0.05%(4.0)0.48%
Ameris Bank-0.05%(4.0)2.64%
SunTrust Bank-0.05%(3.5)1.00%
Lakeview Loan Servicing-0.05%(3.5)1.40%
First Community Bank – SC & GA-0.04%(3.5)0.36%
Magnolia Bank-0.04%(3.5)1.40%
First Citizens Bank-0.03%(3.5)1.08%
Home Point Financial Corporation-0.03%(3.5)0.68%
BankSouth Mortgage-0.03%(3.5)0.88%
Movement Mortgage-0.03%(3.5)1.08%
CenterState Bank-0.03%(3.5)0.56%
Guild Mortgage Company-0.03%(3.5)1.64%
PrimeLending-0.02%(3.5)0.60%
North American Savings Bank-0.02%(3.5)0.36%
Bank of America-0.02%(3.5)1.68%
Augusta Mortgage Company-0.02%(3.5)0.40%
NewRez-0.01%(3.5)1.00%
Synovus Bank-0.01%(3.5)0.28%
Atlantic Bay Mortgage Group-0.00%(3.5)0.16%
First Choice Mortgage-0.00%(3.5)0.20%
Academy Mortgage Corporation Utah-0.00%(3.5)0.12%
US Bank0.00%(3.5)0.64%
DHI Mortgage Company Limited0.00%(3.5)0.04%
loanDepot0.01%(3.5)4.87%
Planet Home Lending0.01%(3.5)0.76%
Flagstar Bank0.01%(3.5)0.72%
JPMorgan Chase Bank0.03%(3.5)0.84%
Carrington Mortgage Services0.04%(3.5)4.27%
Vanderbilt Mortgage0.04%(3.5)0.32%
Regions Bank0.05%(3.0)3.31%
Quicken Loans0.08%(3.0)18.89%
Mr. Cooper0.10%(3.0)1.88%
First Federal Bank of Florida0.10%(3.0)0.88%
Freedom Mortgage Corporation0.11%(3.0)1.72%
The Federal Savings Bank0.13%(3.0)1.72%
Wells Fargo Bank0.16%(2.5)4.95%
NewDay USA0.45%(1.5)1.80%
Lender NameRate DifferenceRate RatingMarket Share
Queensborough National Bank & Trust Company-0.24%(4.5)10.16%
South State Bank-0.09%(4.0)8.35%
SRP Federal Credit Union-0.09%(4.0)11.22%
DHI Mortgage Company Limited-0.08%(4.0)0.38%
Augusta Mortgage Company-0.08%(4.0)2.35%
Bank of America-0.07%(4.0)3.29%
Amerisave Mortgage Corporation-0.06%(4.0)0.45%
Pentagon Federal Credit Union-0.05%(3.5)0.61%
TD Bank-0.05%(3.5)1.06%
Fifth Third Bank-0.05%(3.5)0.68%
SunTrust Bank-0.04%(3.5)1.25%
Magnolia Bank-0.03%(3.5)2.14%
First Community Bank – SC & GA-0.03%(3.5)1.04%
JPMorgan Chase Bank-0.03%(3.5)0.96%
CenterState Bank-0.02%(3.5)2.33%
NewRez-0.02%(3.5)0.66%
loanDepot-0.02%(3.5)1.22%
US Bank-0.02%(3.5)0.56%
Synovus Bank-0.02%(3.5)1.27%
Home Point Financial Corporation-0.00%(3.5)0.28%
Wells Fargo Bank-0.00%(3.5)7.06%
North American Savings Bank0.00%(3.5)0.07%
The Federal Savings Bank0.01%(3.5)0.02%
Planet Home Lending0.01%(3.5)0.19%
Ameris Bank0.01%(3.5)2.99%
Lakeview Loan Servicing0.01%(3.5)0.05%
First Federal Bank of Florida0.02%(3.5)0.19%
First Citizens Bank0.03%(3.5)1.39%
BankSouth Mortgage0.04%(3.5)4.02%
HomeStar Financial0.04%(3.5)0.19%
Caliber Home Loans0.04%(3.5)0.31%
Carrington Mortgage Services0.04%(3.5)0.19%
Atlantic Bay Mortgage Group0.04%(3.5)1.18%
USAA0.05%(3.5)1.36%
Vanderbilt Mortgage0.05%(3.5)0.21%
PrimeLending0.06%(3.0)1.51%
New American Funding0.06%(3.0)3.53%
Freedom Mortgage Corporation0.06%(3.0)0.16%
Regions Bank0.07%(3.0)4.63%
PennyMac Loan Services0.07%(3.0)0.26%
Movement Mortgage0.09%(3.0)1.60%
Mr. Cooper0.10%(3.0)0.40%
Academy Mortgage Corporation Utah0.13%(3.0)0.45%
Quicken Loans0.14%(3.0)8.52%
Flagstar Bank0.15%(2.5)1.18%
First Choice Mortgage0.26%(2.0)1.27%
Guild Mortgage Company0.28%(2.0)4.21%
Navy Federal Credit Union0.33%(2.0)2.61%
Lender NameRate DifferenceRate RatingMarket Share
Queensborough National Bank & Trust Company-0.25%(5.0)11.70%
Wells Fargo Bank-0.11%(4.0)6.38%
SRP Federal Credit Union-0.09%(4.0)8.99%
Bank of America-0.09%(4.0)3.40%
DHI Mortgage Company Limited-0.09%(4.0)0.51%
JPMorgan Chase Bank-0.09%(4.0)0.75%
Augusta Mortgage Company-0.08%(4.0)3.16%
South State Bank-0.07%(4.0)9.75%
US Bank-0.05%(3.5)0.34%
Pentagon Federal Credit Union-0.05%(3.5)0.41%
Fifth Third Bank-0.04%(3.5)0.62%
SunTrust Bank-0.04%(3.5)1.13%
TD Bank-0.03%(3.5)0.79%
First Community Bank – SC & GA-0.03%(3.5)1.20%
NewRez-0.03%(3.5)0.45%
Magnolia Bank-0.03%(3.5)2.37%
CenterState Bank-0.02%(3.5)3.09%
Synovus Bank-0.02%(3.5)1.78%
Home Point Financial Corporation-0.01%(3.5)0.34%
PennyMac Loan Services-0.00%(3.5)0.10%
loanDepot0.00%(3.5)0.31%
Vanderbilt Mortgage0.00%(3.5)0.03%
First Federal Bank of Florida0.01%(3.5)0.17%
North American Savings Bank0.01%(3.5)0.03%
Carrington Mortgage Services0.02%(3.5)0.03%
Planet Home Lending0.02%(3.5)0.14%
Amerisave Mortgage Corporation0.02%(3.5)0.03%
Ameris Bank0.04%(3.5)2.78%
HomeStar Financial0.04%(3.5)0.27%
BankSouth Mortgage0.04%(3.5)5.35%
Atlantic Bay Mortgage Group0.04%(3.5)1.61%
Caliber Home Loans0.05%(3.5)0.17%
Mr. Cooper0.05%(3.0)0.10%
USAA0.05%(3.0)1.61%
Regions Bank0.07%(3.0)4.22%
First Citizens Bank0.07%(3.0)1.13%
PrimeLending0.08%(3.0)1.78%
New American Funding0.09%(3.0)4.08%
Movement Mortgage0.09%(3.0)2.09%
Academy Mortgage Corporation Utah0.13%(3.0)0.65%
Flagstar Bank0.17%(2.5)1.48%
Quicken Loans0.19%(2.5)3.91%
First Choice Mortgage0.26%(2.0)1.85%
Guild Mortgage Company0.31%(2.0)5.53%
Navy Federal Credit Union0.39%(1.5)3.33%
Lender NameRate DifferenceRate RatingMarket Share
Queensborough National Bank & Trust Company-0.20%(4.5)6.81%
South State Bank-0.16%(4.5)5.31%
SRP Federal Credit Union-0.08%(4.0)16.08%
Amerisave Mortgage Corporation-0.07%(4.0)1.35%
TD Bank-0.06%(4.0)1.65%
New American Funding-0.06%(4.0)2.32%
Magnolia Bank-0.05%(4.0)1.65%
SunTrust Bank-0.05%(4.0)1.50%
Pentagon Federal Credit Union-0.05%(3.5)1.05%
Fifth Third Bank-0.05%(3.5)0.82%
Navy Federal Credit Union-0.04%(3.5)1.05%
Ameris Bank-0.04%(3.5)3.44%
Guild Mortgage Company-0.04%(3.5)1.35%
First Community Bank – SC & GA-0.03%(3.5)0.67%
BankSouth Mortgage-0.03%(3.5)1.12%
First Citizens Bank-0.03%(3.5)1.94%
CenterState Bank-0.02%(3.5)0.67%
loanDepot-0.02%(3.5)3.22%
PrimeLending-0.02%(3.5)0.90%
Bank of America-0.01%(3.5)3.07%
Planet Home Lending-0.01%(3.5)0.30%
NewRez-0.01%(3.5)1.12%
North American Savings Bank-0.01%(3.5)0.15%
Augusta Mortgage Company-0.00%(3.5)0.60%
Atlantic Bay Mortgage Group0.00%(3.5)0.22%
Synovus Bank0.00%(3.5)0.15%
The Federal Savings Bank0.01%(3.5)0.07%
US Bank0.01%(3.5)1.05%
Lakeview Loan Servicing0.01%(3.5)0.15%
DHI Mortgage Company Limited0.01%(3.5)0.07%
Flagstar Bank0.02%(3.5)0.52%
Home Point Financial Corporation0.02%(3.5)0.15%
USAA0.02%(3.5)0.82%
Caliber Home Loans0.03%(3.5)0.60%
JPMorgan Chase Bank0.04%(3.5)1.42%
Carrington Mortgage Services0.04%(3.5)0.52%
First Federal Bank of Florida0.04%(3.5)0.22%
Vanderbilt Mortgage0.05%(3.0)0.60%
Movement Mortgage0.06%(3.0)0.52%
Freedom Mortgage Corporation0.06%(3.0)0.52%
Regions Bank0.06%(3.0)5.53%
PennyMac Loan Services0.10%(3.0)0.60%
Mr. Cooper0.11%(3.0)1.05%
Quicken Loans0.12%(3.0)18.55%
Wells Fargo Bank0.18%(2.5)8.53%
Lender NameRate DifferenceRate RatingMarket Share
Queensborough National Bank & Trust Company-0.41%(5.0)7.28%
SRP Federal Credit Union-0.24%(4.5)7.00%
DHI Mortgage Company Limited-0.17%(4.5)0.78%
Magnolia Bank-0.16%(4.5)2.22%
CenterState Bank-0.13%(4.0)2.33%
Ameris Bank-0.10%(4.0)3.22%
Bank of America-0.09%(4.0)1.00%
NewRez-0.06%(4.0)0.89%
South State Bank-0.05%(4.0)0.56%
First Community Bank – SC & GA-0.05%(4.0)0.83%
Home Point Financial Corporation-0.03%(3.5)0.89%
Regions Bank-0.02%(3.5)2.39%
PennyMac Loan Services-0.02%(3.5)0.67%
BankSouth Mortgage-0.01%(3.5)4.89%
Freedom Mortgage Corporation-0.00%(3.5)1.00%
Navy Federal Credit Union-0.00%(3.5)0.39%
Carrington Mortgage Services-0.00%(3.5)2.78%
First Federal Bank of Florida0.01%(3.5)0.22%
Fifth Third Bank0.01%(3.5)0.06%
Movement Mortgage0.01%(3.5)3.67%
North American Savings Bank0.02%(3.5)0.06%
Caliber Home Loans0.02%(3.5)0.61%
First Citizens Bank0.02%(3.5)0.11%
SunTrust Bank0.02%(3.5)0.44%
Quicken Loans0.02%(3.5)10.44%
Atlantic Bay Mortgage Group0.03%(3.5)3.44%
TD Bank0.03%(3.5)0.06%
Augusta Mortgage Company0.03%(3.5)0.11%
First Choice Mortgage0.03%(3.5)3.83%
Village Capital0.04%(3.5)0.56%
Amerisave Mortgage Corporation0.04%(3.5)0.22%
Flagstar Bank0.05%(3.5)3.39%
Lakeview Loan Servicing0.05%(3.0)0.39%
Vanderbilt Mortgage0.07%(3.0)1.22%
New American Funding0.08%(3.0)11.78%
Mr. Cooper0.10%(3.0)1.56%
PrimeLending0.10%(3.0)1.28%
Academy Mortgage Corporation Utah0.11%(3.0)1.72%
Wells Fargo Bank0.11%(3.0)0.50%
loanDepot0.13%(3.0)1.39%
Planet Home Lending0.21%(2.5)1.50%
HomeStar Financial0.25%(2.5)1.50%
Guild Mortgage Company0.27%(2.0)10.83%
Lender NameRate DifferenceRate RatingMarket Share
Queensborough National Bank & Trust Company-0.42%(5.0)8.72%
SRP Federal Credit Union-0.25%(5.0)8.11%
Magnolia Bank-0.17%(4.5)2.45%
DHI Mortgage Company Limited-0.16%(4.5)0.95%
CenterState Bank-0.13%(4.0)2.66%
Ameris Bank-0.11%(4.0)3.54%
Bank of America-0.08%(4.0)1.23%
NewRez-0.07%(4.0)0.89%
South State Bank-0.05%(4.0)0.68%
First Community Bank – SC & GA-0.05%(3.5)1.02%
Home Point Financial Corporation-0.04%(3.5)0.68%
Regions Bank-0.02%(3.5)2.86%
BankSouth Mortgage-0.01%(3.5)5.93%
Freedom Mortgage Corporation-0.01%(3.5)0.75%
Navy Federal Credit Union0.00%(3.5)0.48%
First Federal Bank of Florida0.01%(3.5)0.27%
Movement Mortgage0.02%(3.5)4.29%
North American Savings Bank0.02%(3.5)0.07%
First Citizens Bank0.02%(3.5)0.14%
SunTrust Bank0.03%(3.5)0.54%
Lakeview Loan Servicing0.03%(3.5)0.07%
Atlantic Bay Mortgage Group0.03%(3.5)4.22%
Augusta Mortgage Company0.03%(3.5)0.14%
First Choice Mortgage0.03%(3.5)4.63%
Amerisave Mortgage Corporation0.04%(3.5)0.20%
Caliber Home Loans0.04%(3.5)0.27%
Flagstar Bank0.05%(3.5)4.16%
Quicken Loans0.06%(3.0)3.75%
Vanderbilt Mortgage0.07%(3.0)1.50%
Carrington Mortgage Services0.08%(3.0)0.82%
New American Funding0.09%(3.0)13.56%
Mr. Cooper0.11%(3.0)0.54%
loanDepot0.11%(3.0)0.34%
PrimeLending0.12%(3.0)1.43%
Academy Mortgage Corporation Utah0.12%(3.0)1.98%
Wells Fargo Bank0.15%(2.5)0.41%
Planet Home Lending0.24%(2.5)1.57%
HomeStar Financial0.25%(2.0)1.84%
Guild Mortgage Company0.30%(2.0)12.33%
Lender NameRate DifferenceRate RatingMarket Share
Magnolia Bank-0.05%(3.5)1.20%
Carrington Mortgage Services-0.04%(3.5)11.45%
Ameris Bank-0.04%(3.5)1.81%
PennyMac Loan Services-0.03%(3.5)3.61%
SRP Federal Credit Union-0.03%(3.5)2.11%
CenterState Bank-0.03%(3.5)0.90%
New American Funding-0.03%(3.5)3.92%
Queensborough National Bank & Trust Company-0.02%(3.5)0.90%
Home Point Financial Corporation-0.01%(3.5)1.81%
Movement Mortgage-0.01%(3.5)0.90%
Quicken Loans-0.01%(3.5)40.06%
Caliber Home Loans-0.01%(3.5)2.11%
Freedom Mortgage Corporation-0.01%(3.5)2.11%
Fifth Third Bank-0.00%(3.5)0.30%
NewRez0.00%(3.5)0.90%
BankSouth Mortgage0.00%(3.5)0.30%
Academy Mortgage Corporation Utah0.01%(3.5)0.60%
PrimeLending0.01%(3.5)0.60%
TD Bank0.01%(3.5)0.30%
Guild Mortgage Company0.01%(3.5)4.22%
Planet Home Lending0.01%(3.5)1.20%
Village Capital0.02%(3.5)3.01%
Regions Bank0.02%(3.5)0.30%
Amerisave Mortgage Corporation0.02%(3.5)0.30%
Wells Fargo Bank0.03%(3.5)0.90%
First Choice Mortgage0.03%(3.5)0.30%
Lakeview Loan Servicing0.04%(3.5)1.81%
Mr. Cooper0.09%(3.0)6.02%
loanDepot0.11%(3.0)6.02%
Lender NameRate DifferenceRate RatingMarket Share
Synovus Bank-0.04%(3.5)21.52%
TD Bank-0.01%(3.5)6.33%
Wells Fargo Bank-0.01%(3.5)6.33%
Regions Bank-0.00%(3.5)5.06%
New American Funding-0.00%(3.5)1.27%
Quicken Loans-0.00%(3.5)2.53%
South State Bank0.00%(3.5)17.72%
First Citizens Bank0.00%(3.5)2.53%
JPMorgan Chase Bank0.00%(3.5)2.53%
Movement Mortgage0.00%(3.5)1.27%
Navy Federal Credit Union0.01%(3.5)1.27%
Bank of America0.01%(3.5)1.27%
NewRez0.01%(3.5)1.27%
Ameris Bank0.02%(3.5)1.27%
SunTrust Bank0.02%(3.5)6.33%
US Bank0.02%(3.5)2.53%
First Choice Mortgage0.02%(3.5)1.27%
Flagstar Bank0.02%(3.5)1.27%
Queensborough National Bank & Trust Company0.04%(3.5)11.39%
CenterState Bank0.05%(3.0)5.06%
Lender NameRate DifferenceRate RatingMarket Share
Synovus Bank-0.06%(4.0)22.22%
Regions Bank-0.01%(3.5)3.70%
Wells Fargo Bank-0.01%(3.5)9.26%
Quicken Loans0.00%(3.5)3.70%
First Citizens Bank0.00%(3.5)1.85%
South State Bank0.00%(3.5)20.37%
TD Bank0.00%(3.5)3.70%
SunTrust Bank0.01%(3.5)3.70%
Navy Federal Credit Union0.01%(3.5)1.85%
NewRez0.02%(3.5)1.85%
First Choice Mortgage0.02%(3.5)1.85%
Flagstar Bank0.02%(3.5)1.85%
Queensborough National Bank & Trust Company0.04%(3.5)16.67%
CenterState Bank0.06%(3.0)7.41%
Lender NameRate DifferenceRate RatingMarket Share
TD Bank-0.02%(3.5)12.00%
Synovus Bank-0.01%(3.5)20.00%
New American Funding-0.00%(3.5)4.00%
First Citizens Bank-0.00%(3.5)4.00%
South State Bank-0.00%(3.5)12.00%
JPMorgan Chase Bank-0.00%(3.5)8.00%
Movement Mortgage0.00%(3.5)4.00%
Regions Bank0.00%(3.5)8.00%
Bank of America0.01%(3.5)4.00%
Ameris Bank0.01%(3.5)4.00%
SunTrust Bank0.02%(3.5)12.00%
US Bank0.02%(3.5)8.00%
Lender NameRate DifferenceRate RatingMarket Share
Queensborough National Bank & Trust Company-0.24%(4.5)8.40%
Navy Federal Credit Union-0.24%(4.5)11.86%
DHI Mortgage Company Limited-0.23%(4.5)1.78%
PennyMac Loan Services-0.10%(4.0)2.46%
Village Capital-0.09%(4.0)0.93%
SRP Federal Credit Union-0.08%(4.0)2.96%
NewRez-0.07%(4.0)1.39%
PrimeLending-0.07%(4.0)1.42%
North American Savings Bank-0.06%(4.0)1.07%
Home Point Financial Corporation-0.06%(4.0)1.35%
Caliber Home Loans-0.05%(4.0)1.28%
Lakeview Loan Servicing-0.05%(3.5)0.96%
Wells Fargo Bank-0.04%(3.5)1.67%
CenterState Bank-0.04%(3.5)2.42%
Pentagon Federal Credit Union-0.03%(3.5)0.39%
BankSouth Mortgage-0.03%(3.5)3.88%
Amerisave Mortgage Corporation-0.02%(3.5)0.36%
Augusta Mortgage Company-0.02%(3.5)1.21%
Magnolia Bank0.01%(3.5)0.75%
Fifth Third Bank0.01%(3.5)0.07%
SunTrust Bank0.02%(3.5)0.14%
South State Bank0.02%(3.5)0.57%
First Citizens Bank0.02%(3.5)0.04%
loanDepot0.02%(3.5)2.24%
TD Bank0.03%(3.5)0.11%
Ameris Bank0.03%(3.5)3.13%
Bank of America0.04%(3.5)0.07%
US Bank0.05%(3.5)0.28%
USAA0.06%(3.0)9.29%
Vanderbilt Mortgage0.06%(3.0)0.21%
Movement Mortgage0.07%(3.0)2.17%
Regions Bank0.07%(3.0)0.57%
Planet Home Lending0.10%(3.0)1.10%
Academy Mortgage Corporation Utah0.10%(3.0)0.50%
Atlantic Bay Mortgage Group0.10%(3.0)1.60%
Flagstar Bank0.12%(3.0)2.28%
First Choice Mortgage0.12%(3.0)2.14%
First Federal Bank of Florida0.13%(3.0)0.75%
Mr. Cooper0.13%(3.0)0.71%
Freedom Mortgage Corporation0.14%(3.0)1.35%
New American Funding0.15%(3.0)9.54%
The Federal Savings Bank0.15%(3.0)1.50%
Guild Mortgage Company0.15%(2.5)2.60%
Quicken Loans0.18%(2.5)4.59%
Carrington Mortgage Services0.20%(2.5)3.24%
HomeStar Financial0.21%(2.5)0.89%
NewDay USA0.43%(1.5)1.75%
Lender NameRate DifferenceRate RatingMarket Share
Queensborough National Bank & Trust Company-0.23%(4.5)11.26%
Navy Federal Credit Union-0.23%(4.5)15.07%
DHI Mortgage Company Limited-0.21%(4.5)2.50%
NewRez-0.08%(4.0)1.60%
North American Savings Bank-0.06%(4.0)1.15%
PrimeLending-0.06%(4.0)1.95%
Home Point Financial Corporation-0.05%(4.0)1.45%
Wells Fargo Bank-0.05%(4.0)2.00%
CenterState Bank-0.03%(3.5)3.30%
SRP Federal Credit Union-0.03%(3.5)2.65%
Pentagon Federal Credit Union-0.02%(3.5)0.45%
BankSouth Mortgage-0.02%(3.5)5.16%
Magnolia Bank-0.01%(3.5)0.60%
Augusta Mortgage Company-0.01%(3.5)1.60%
Fifth Third Bank0.03%(3.5)0.10%
First Federal Bank of Florida0.03%(3.5)0.10%
SunTrust Bank0.04%(3.5)0.10%
First Citizens Bank0.04%(3.5)0.05%
TD Bank0.04%(3.5)0.15%
South State Bank0.04%(3.5)0.65%
NewDay USA0.05%(3.5)0.20%
Caliber Home Loans0.05%(3.0)0.15%
Bank of America0.06%(3.0)0.10%
PennyMac Loan Services0.06%(3.0)0.20%
Ameris Bank0.06%(3.0)3.75%
Freedom Mortgage Corporation0.06%(3.0)0.45%
US Bank0.06%(3.0)0.40%
loanDepot0.07%(3.0)0.20%
Regions Bank0.08%(3.0)0.50%
Vanderbilt Mortgage0.08%(3.0)0.30%
USAA0.09%(3.0)11.11%
Atlantic Bay Mortgage Group0.12%(3.0)2.20%
Academy Mortgage Corporation Utah0.12%(3.0)0.65%
Movement Mortgage0.13%(3.0)2.25%
Mr. Cooper0.13%(3.0)0.35%
Planet Home Lending0.14%(3.0)1.00%
First Choice Mortgage0.14%(3.0)2.80%
Flagstar Bank0.15%(2.5)2.65%
Guild Mortgage Company0.19%(2.5)3.20%
New American Funding0.22%(2.5)11.06%
HomeStar Financial0.23%(2.5)1.25%
Quicken Loans0.23%(2.5)1.85%
Carrington Mortgage Services0.39%(1.5)1.45%
Lender NameRate DifferenceRate RatingMarket Share
SRP Federal Credit Union-0.18%(4.5)3.70%
Navy Federal Credit Union-0.18%(4.5)3.95%
New American Funding-0.16%(4.5)5.80%
PennyMac Loan Services-0.14%(4.0)8.02%
Village Capital-0.13%(4.0)3.21%
USAA-0.11%(4.0)4.81%
Queensborough National Bank & Trust Company-0.11%(4.0)1.36%
Caliber Home Loans-0.10%(4.0)4.07%
Movement Mortgage-0.09%(4.0)1.98%
Lakeview Loan Servicing-0.08%(4.0)3.33%
Ameris Bank-0.07%(4.0)1.60%
Home Point Financial Corporation-0.06%(4.0)1.11%
Amerisave Mortgage Corporation-0.06%(4.0)1.23%
South State Bank-0.06%(4.0)0.37%
Guild Mortgage Company-0.06%(4.0)1.11%
Pentagon Federal Credit Union-0.04%(3.5)0.25%
North American Savings Bank-0.04%(3.5)0.86%
Augusta Mortgage Company-0.04%(3.5)0.25%
BankSouth Mortgage-0.03%(3.5)0.74%
SunTrust Bank-0.03%(3.5)0.25%
First Choice Mortgage-0.03%(3.5)0.49%
NewRez-0.02%(3.5)0.86%
Academy Mortgage Corporation Utah-0.02%(3.5)0.12%
PrimeLending-0.02%(3.5)0.12%
CenterState Bank-0.02%(3.5)0.25%
loanDepot-0.02%(3.5)7.28%
Atlantic Bay Mortgage Group-0.01%(3.5)0.12%
Flagstar Bank0.00%(3.5)1.36%
Planet Home Lending0.00%(3.5)1.36%
Magnolia Bank0.02%(3.5)1.11%
Regions Bank0.05%(3.0)0.74%
Wells Fargo Bank0.06%(3.0)0.86%
Carrington Mortgage Services0.08%(3.0)7.65%
First Federal Bank of Florida0.10%(3.0)2.35%
Mr. Cooper0.10%(3.0)1.60%
The Federal Savings Bank0.11%(3.0)5.19%
Quicken Loans0.13%(3.0)11.36%
Freedom Mortgage Corporation0.14%(3.0)3.58%
NewDay USA0.43%(1.5)5.56%

* Data is compiled for the Augusta, GA commuting zone area, which comprises of counties of Burke County, GA, Columbia County, GA, Glascock County, GA, Jefferson County, GA, McDuffie County, GA, Richmond County, GA, Warren County, GA, Aiken County, SC, and Edgefield County, SC. This includes cities/towns/communities of Augusta, GA as well as Augusta-Richmond County consolidated government (balance), GA, Evans, GA, Aiken, SC, North Augusta, SC, Martinez, GA, Grovetown, GA, Harlem, GA, Graniteville, SC, New Ellenton, SC, North Augusta, SC, Thomson, GA, Belvedere, SC, Blythe, GA, Murphys Estates, SC, Waynesboro, GA, Windsor, SC, Edgefield, SC, Burnettown, SC, Wagener, SC, Clearwater, SC, Dearing, GA, Monetta, SC, Gloverville, SC, Johnston, SC, Louisville, GA, Jackson, SC, Keysville, GA, Wrens, GA, Trenton, SC, Salley, SC, Stapleton, GA, Gibson, GA, Warrenton, GA, Norwood, GA, Langley, SC, Bartow, GA, Sardis, GA, and Midville, GA. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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