Augusta Financial
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.
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
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
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
333 loans · 0.24% above market
Sound
Top 60% of lenders
3/5
FHA
111 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
VA
35 loans · 0.38% below market
Strong
Top 40% of lenders
4/5
Jumbo
16 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
414 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
Refinance
81 loans · 0.09% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 333 | 67.3% | +0.245%Above | $3,553Fees | ||||
FHA Loans | 111 | 22.4% | +0.224%Above | $2,786Fees | ||||
VA Loans | 35 | 7.1% | -0.383%Below | $3,246Fees | ||||
Jumbo Loans | — | 16 | 3.2% | +0.429%Above | $4,720Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume333
Mix67.3%
Spread
+0.245%Above
Fees
$3,553Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume111
Mix22.4%
Spread
+0.224%Above
Fees
$2,786Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume35
Mix7.1%
Spread
-0.383%Below
Fees
$3,246Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume16
Mix3.2%
Spread
+0.429%Above
Fees
$4,720Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 414 | 83.6% | +0.219%Above | $3,412Fees | ||||
Refinance | 81 | 16.4% | +0.090%Above | $3,096Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume414
Mix83.6%
Spread
+0.219%Above
Fees
$3,412Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
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
7Full-year 2024 · HMDALoans originated
All statesNone
South2
TNTX
West5
AZCACOIDWA
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.