Mortgage lending in Richmond County, Georgia
Lenders in Richmond County, Georgia reported 7,128 mortgage applications for 2025, according to the CFPB.
7,128 mortgage applications and 3,633 loans originated in 2025; the denial rate was 26.3% of 5,303 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Augusta-Richmond County, GA-SC HUD Metro FMR Area.
- 7,128
- Applications
- 3,633
- Loans originated
- 26.3%
- Denial rate
- 1,396 denied of 5,303 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 7,128 | 3,633 |
| 2024 | 6,279 | 3,150 |
| 2023 | 6,386 | 3,151 |
| 2022 | 7,982 | 4,049 |
| 2021 | 10,169 | 5,679 |
| 2020 | 8,387 | 4,570 |
| 2019 | 6,827 | 3,571 |
| 2018 | 6,071 | 3,111 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Southstate Bank, National Association | 279 | 382 |
| Rocket Mortgage | 277 | 421 |
| United Wholesale Mortgage | 210 | 301 |
| Guild Mortgage Company | 191 | 298 |
| Mortgage Research Center | 151 | 307 |
| Navy Federal Credit Union | 114 | 282 |
| Freedom Mortgage Corporation | 110 | 227 |
| SRP Federal Credit Union | 101 | 189 |
| DHI Mortgage Company, LTD. | 99 | 148 |
| New American Funding, LLC. | 86 | 204 |
| Movement Mortgage, LLC | 82 | 117 |
| Queensborough National Bank and Trust | 68 | 90 |
| Crosscountry Mortgage, LLC | 67 | 115 |
| Pinnacle Bank | 61 | 86 |
| Ameris Bank | 57 | 91 |
| Pennymac Loan Services LLC | 53 | 128 |
| loanDepot.com LLC | 50 | 106 |
| Cadence Bank | 48 | 69 |
| Kiavi Funding, Inc. | 45 | 137 |
| Truist Bank | 42 | 101 |
| Regions Bank | 41 | 109 |
| Nationstar Mortgage | 36 | 51 |
| Acrisure Mortgage, LLC | 34 | 51 |
| Newrez LLC | 31 | 103 |
| Cornerstone First Mortgage, LLC | 29 | 30 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 30 | no rate: base under 50 |
| Asian | 149 | 18.9% of 111 decided |
| Black or African American | 2,840 | 31.6% of 2,086 decided |
| Native Hawaiian or Other Pacific Islander | 25 | no rate: base under 50 |
| White | 2,226 | 19.9% of 1,698 decided |
| 2 or more minority races | 48 | no rate: base under 50 |
| Joint | 67 | 23.5% of 51 decided |
| Race Not Available | 1,743 | 26.5% of 1,281 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 315 | 29.8% of 228 decided |
| Not Hispanic or Latino | 5,033 | 25.9% of 3,774 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,700 | 27.3% of 1,243 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,741 | 25.5% of 2,026 decided |
| Female | 2,174 | 31.3% of 1,629 decided |
| Joint | 1,124 | 20.4% of 872 decided |
| Sex Not Available | 1,089 | 24.7% of 776 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1542 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved