AUGUSTA - RICHMOND COUNTY Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Augusta - Richmond County averaged
6.67%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.8% and
one month ago for the week of 2025-05-15, the
average rate was 6.97%.
Augusta - Richmond County's average rate one year ago was 6.71%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.9%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Augusta - Richmond County 30 Year Fixed Rate | 2025-06-18 | 6.67% |
| Augusta - Richmond County 30 Year Fixed Rate Refi | 2025-06-18 | 6.9% |
| Augusta - Richmond County 15 Year Fixed Rate | 2025-06-18 | 6.23% |
| Augusta - Richmond County 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Augusta - Richmond County 30 Year FHA | 2025-06-18 | -0.3% |
| Augusta - Richmond County 30 Year FHA Refi | 2025-06-18 | -0.08% |
| Augusta - Richmond County 30 Year USDA | 2025-06-18 | -0.63% |
| Augusta - Richmond County 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Augusta - Richmond County 30 Year VA | 2025-06-18 | 0.15% |
| Augusta - Richmond County 30 Year VA Refi | 2025-06-18 | -0.4% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within AUGUSTA-RICHMOND COUNTY, GA-SC.
AUGUSTA - RICHMOND COUNTY Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the AUGUSTA-RICHMOND COUNTY, GA-SC market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
AUGUSTA - RICHMOND COUNTY Average Closing Costs & Other Stats
AUGUSTA-RICHMOND COUNTY, GA-SC's 233 lenders originated 12,698
loans during 2024. The total origination value was $3,211,040,000, with an average loan value of
$252,878.
AUGUSTA - RICHMOND COUNTY's average closing costs are $5,836.
The top AUGUSTA - RICHMOND COUNTY lender as defined by loan originations is QUICKEN LOANS, LLC, with
380 loans originated. Their average total fees are
$6,589, which is $764
higher than the next largest lender,
South State Bank.
The lowest fee AUGUSTA - RICHMOND COUNTY lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($2,655), JPMorgan Chase Bank ($3,207), Coastal Carolina National Bank ($3,261), FBC MORTGAGE, LLC ($4,372) and TD Bank ($4,465).
The lowest rate AUGUSTA - RICHMOND COUNTY lenders (with over 10 loans originated) are
FBC MORTGAGE, LLC (5.72%), DHI MORTGAGE COMPANY, LTD. (5.87%), Associated Credit Union (5.93%), Bank of America (6.15%) and SRP Federal Credit Union (6.15%).
AUGUSTA-RICHMOND COUNTY, GA-SC Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $179,810,000 | $201,620,000 | 12.1% | 6.3% |
| GUILD MORTGAGE COMPANY | $97,220,000 | $165,850,000 | 70.6% | 5.2% |
| South State Bank | $154,325,000 | $147,255,000 | -4.6% | 4.6% |
| Mortgage Research Center, LLC | $131,725,000 | $138,340,000 | 5.0% | 4.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $102,790,000 | $137,480,000 | 33.7% | 4.3% |
| SRP Federal Credit Union | $65,445,000 | $114,350,000 | 74.7% | 3.6% |
| MOVEMENT MORTGAGE, LLC | $92,625,000 | $107,395,000 | 15.9% | 3.3% |
| DHI MORTGAGE COMPANY, LTD. | $100,990,000 | $106,100,000 | 5.1% | 3.3% |
| Queensborough National Bank & Trust Company | $121,160,000 | $100,000,000 | -17.5% | 3.1% |
| NAVY FEDERAL CREDIT UNION | $81,220,000 | $86,825,000 | 6.9% | 2.7% |
| FREEDOM MORTGAGE CORPORATION | $18,970,000 | $73,790,000 | 289.0% | 2.3% |
| Ameris Bank | $76,630,000 | $65,240,000 | -14.9% | 2.0% |
| First Heritage Mortgage, LLC | $33,270,000 | $56,075,000 | 68.5% | 1.7% |
| Regions Bank | $38,315,000 | $52,790,000 | 37.8% | 1.6% |
| AUGUSTA MORTGAGE CO. | $58,875,000 | $51,975,000 | -11.7% | 1.6% |
| Security Federal Bank | $69,255,000 | $51,595,000 | -25.5% | 1.6% |
| BROKER SOLUTIONS, INC. | $57,690,000 | $49,280,000 | -14.6% | 1.5% |
| PENNYMAC LOAN SERVICES, LLC | $35,445,000 | $44,570,000 | 25.7% | 1.4% |
| First-Citizens Bank & Trust Company | $31,830,000 | $39,610,000 | 24.4% | 1.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $11,390,000 | $39,600,000 | 247.7% | 1.2% |
| Colony Bank | $46,750,000 | $39,475,000 | -15.6% | 1.2% |
| Pinnacle Bank | $4,145,000 | $38,395,000 | 826.3% | 1.2% |
| BancorpSouth | $23,700,000 | $33,445,000 | 41.1% | 1.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $43,080,000 | $32,440,000 | -24.7% | 1.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | $2,335,000 | $32,015,000 | 1,271.1% | 1.0% |
| CARDINAL FINANCIAL | $53,060,000 | $29,260,000 | -44.9% | 0.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $23,775,000 | $27,825,000 | 17.0% | 0.9% |
| Prudential Huntoon Paige Associates, LLC | $4,945,000 | $26,645,000 | 438.8% | 0.8% |
| GREYSTONE SERVICING COMPANY LLC | $29,280,000 | $26,355,000 | -10.0% | 0.8% |
| USAA Federal Savings Bank | $22,350,000 | $25,770,000 | 15.3% | 0.8% |
| Merchants Capital Corp. | $25,125,000 | n/a | 0.8% | |
| Bank of America | $22,385,000 | $24,245,000 | 8.3% | 0.8% |
| Citibank | $205,000 | $23,325,000 | 11,278.0% | 0.7% |
| Synovus Bank | $24,970,000 | $20,885,000 | -16.4% | 0.7% |
| FIRST CHOICE MORTGAGE, INC. | $19,590,000 | $20,860,000 | 6.5% | 0.6% |
| VILLAGE CAPITAL MORTGAGE | $4,935,000 | $20,680,000 | 319.0% | 0.6% |
| Assurance Financial Group, L.L.C. | $24,235,000 | $19,740,000 | -18.5% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $31,590,000 | $19,680,000 | -37.7% | 0.6% |
| CAROLINA ONE MORTGAGE, LLC | $945,000 | $19,415,000 | 1,954.5% | 0.6% |
| PLANET HOME LENDING, LLC | $11,075,000 | $18,555,000 | 67.5% | 0.6% |
| NEWREZ LLC | $6,930,000 | $18,370,000 | 165.1% | 0.6% |
| LOANDEPOT.COM, LLC | $19,100,000 | $18,330,000 | -4.0% | 0.6% |
| PENTAGON FEDERAL CREDIT UNION | $17,145,000 | $17,620,000 | 2.8% | 0.5% |
| Flagstar Bank, FSB | $18,045,000 | $17,280,000 | -4.2% | 0.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $7,935,000 | $16,790,000 | 111.6% | 0.5% |
| First National BK Waynesboro | $12,270,000 | $15,675,000 | 27.8% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $17,415,000 | $15,645,000 | -10.2% | 0.5% |
| CANOPY MORTGAGE, LLC | $15,390,000 | n/a | 0.5% | |
| TOWNE MORTGAGE COMPANY | $3,920,000 | $15,000,000 | 282.7% | 0.5% |
| FBC MORTGAGE, LLC | $9,535,000 | $14,620,000 | 53.3% | 0.5% |
| Wells Fargo Bank | $34,175,000 | $14,275,000 | -58.2% | 0.4% |
| Pinnacle Bank | $4,145,000 | $14,135,000 | 241.0% | 0.4% |
| Truist | $17,400,000 | $14,000,000 | -19.5% | 0.4% |
| Coastal Carolina National Bank | $15,385,000 | $13,635,000 | -11.4% | 0.4% |
| 21ST MORTGAGE CORPORATION | $11,640,000 | $13,545,000 | 16.4% | 0.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | $8,075,000 | $13,430,000 | 66.3% | 0.4% |
| NEW DAY FINANCIAL, LLC | $11,085,000 | $13,135,000 | 18.5% | 0.4% |
| JPMorgan Chase Bank | $6,400,000 | $12,540,000 | 95.9% | 0.4% |
| GUARANTEED RATE, INC. | $14,735,000 | $12,065,000 | -18.1% | 0.4% |
| CMG MORTGAGE, INC. | $10,360,000 | $11,585,000 | 11.8% | 0.4% |
| Merchants Bank of Indiana | $9,780,000 | $11,475,000 | 17.3% | 0.4% |
| F&M Bank | $11,165,000 | $11,400,000 | 2.1% | 0.4% |
| First Community Bank | $14,695,000 | $11,135,000 | -24.2% | 0.3% |
| AgFirst Farm Credit Bank | $5,235,000 | $10,795,000 | 106.2% | 0.3% |
| TD Bank | $11,145,000 | $10,610,000 | -4.8% | 0.3% |
| The Federal Savings Bank | $14,825,000 | $10,545,000 | -28.9% | 0.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $11,830,000 | $10,085,000 | -14.8% | 0.3% |
| UNION HOME MORTGAGE CORP. | $5,195,000 | $9,855,000 | 89.7% | 0.3% |
| LENDINGHOME FUNDING CORPORATION | $10,055,000 | $8,460,000 | -15.9% | 0.3% |
| Equity Prime Mortgage LLC | $4,855,000 | $8,090,000 | 66.6% | 0.3% |
| U.S. Bank | $6,220,000 | $8,060,000 | 29.6% | 0.3% |
| SUMMIT FUNDING, INC. | $675,000 | $7,810,000 | 1,057.0% | 0.2% |
| Carrington Mortgage Services, LLC | $7,320,000 | $7,590,000 | 3.7% | 0.2% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $7,355,000 | n/a | 0.2% | |
| Associated Credit Union | $5,310,000 | $6,810,000 | 28.2% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $2,890,000 | $6,605,000 | 128.5% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $10,305,000 | $6,225,000 | -39.6% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $3,585,000 | $6,215,000 | 73.4% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $9,005,000 | $6,060,000 | -32.7% | 0.2% |
| First National Bank of Pennsylvania | $8,750,000 | $5,450,000 | -37.7% | 0.2% |
| Deere Employees Credit Union | $5,040,000 | $5,085,000 | 0.9% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $3,585,000 | $4,930,000 | 37.5% | 0.2% |
| NBKC BANK | $3,260,000 | $4,880,000 | 49.7% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $5,370,000 | $4,875,000 | -9.2% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $6,035,000 | $4,835,000 | -19.9% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $2,535,000 | $4,760,000 | 87.8% | 0.1% |
| Citizens Bank | $4,770,000 | $4,740,000 | -0.6% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $3,990,000 | $4,540,000 | 13.8% | 0.1% |
| LIMA ONE CAPITAL, LLC | $2,220,000 | $4,350,000 | 95.9% | 0.1% |
| MILEND, INC. | $6,120,000 | $4,275,000 | -30.1% | 0.1% |
| Morgan Stanley Private Bank | $4,260,000 | $4,250,000 | -0.2% | 0.1% |
| LOANPAL, LLC | $4,265,000 | $4,125,000 | -3.3% | 0.1% |
| Farmers State Bank | $7,095,000 | $4,085,000 | -42.4% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $2,245,000 | $3,990,000 | 77.7% | 0.1% |
| Bank OZK | $3,925,000 | n/a | 0.1% | |
| GEORGIA'S OWN | $3,250,000 | $3,920,000 | 20.6% | 0.1% |
| Figure Lending LLC | $3,505,000 | $3,895,000 | 11.1% | 0.1% |
| CLEARPATH LENDING | $1,600,000 | $3,825,000 | 139.1% | 0.1% |
| Renasant Bank | $1,165,000 | $3,760,000 | 222.7% | 0.1% |
| S. C. STATE FEDERAL CREDIT UNION | $2,740,000 | $3,735,000 | 36.3% | 0.1% |
| Stifel Bank and Trust | $1,710,000 | $3,700,000 | 116.4% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $4,225,000 | $3,615,000 | -14.4% | 0.1% |
| Discover Bank | $5,620,000 | $3,600,000 | -35.9% | 0.1% |
| Fifth Third Bank | $5,025,000 | $3,600,000 | -28.4% | 0.1% |
| PNC Bank | $5,215,000 | $3,575,000 | -31.4% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $1,990,000 | $3,540,000 | 77.9% | 0.1% |
| PHH Mortgage Corporation | $725,000 | $3,390,000 | 367.6% | 0.1% |
| First Palmetto Bank | $3,100,000 | $3,315,000 | 6.9% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $2,105,000 | $3,295,000 | 56.5% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $17,865,000 | $3,290,000 | -81.6% | 0.1% |
| General Mortgage Capital Corporation | $620,000 | $3,255,000 | 425.0% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,070,000 | $3,215,000 | 200.5% | 0.1% |
| Raymond James Bank | $3,185,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $2,820,000 | $3,170,000 | 12.4% | 0.1% |
| First Reliance Bank | $1,605,000 | $2,940,000 | 83.2% | 0.1% |
| PREMIA MORTGAGE, LLC | $1,890,000 | $2,920,000 | 54.5% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $655,000 | $2,725,000 | 316.0% | 0.1% |
| AMERICAN FINANCING CORPORATION | $2,175,000 | $2,640,000 | 21.4% | 0.1% |
| The Loan Store, Inc. | $385,000 | $2,600,000 | 575.3% | 0.1% |
| First Federal Bank | $1,460,000 | $2,520,000 | 72.6% | 0.1% |
| AMWEST FUNDING CORP. | $1,105,000 | $2,465,000 | 123.1% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,905,000 | $2,450,000 | -58.5% | 0.1% |
| Armed Forces Bank | $1,165,000 | $2,430,000 | 108.6% | 0.1% |
| AmeriHome Mortgage Company, LLC | $125,000 | $2,410,000 | 1,828.0% | 0.1% |
| Magnolia Bank | $4,365,000 | $2,395,000 | -45.1% | 0.1% |
| BRIGHTSTAR | $2,390,000 | n/a | 0.1% | |
| Presidential Bank, FSB | $460,000 | $2,325,000 | 405.4% | 0.1% |
| OCMBC, INC. | $980,000 | $2,300,000 | 134.7% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $3,840,000 | $2,225,000 | -42.1% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $2,480,000 | $2,215,000 | -10.7% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $1,780,000 | $2,155,000 | 21.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $2,225,000 | $2,150,000 | -3.4% | 0.1% |
| M&T Bank | $640,000 | $2,065,000 | 222.7% | 0.1% |
| Waterstone Mortgage Corporation | $2,050,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $2,135,000 | $2,045,000 | -4.2% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,995,000 | n/a | 0.1% | |
| Ally Bank | $1,090,000 | $1,980,000 | 81.7% | 0.1% |
| ACOPIA, LLC | $1,705,000 | $1,970,000 | 15.5% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $3,040,000 | $1,925,000 | -36.7% | 0.1% |
| INTERCOASTAL MORTGAGE COMPANY | $2,145,000 | $1,900,000 | -11.4% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,310,000 | $1,895,000 | 44.7% | 0.1% |
| Northpointe Bank | $1,520,000 | $1,880,000 | 23.7% | 0.1% |
| Credence Funding Corporation | $905,000 | $1,835,000 | 102.8% | 0.1% |
| STOCKTON MORTGAGE CORPORATION | $2,615,000 | $1,805,000 | -31.0% | 0.1% |
| T2 FINANCIAL LLC | $1,800,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $1,755,000 | $1,785,000 | 1.7% | 0.1% |
| Alcova Mortgage LLC | $360,000 | $1,700,000 | 372.2% | 0.1% |
| Metro City Bank | $2,070,000 | $1,690,000 | -18.4% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $1,975,000 | $1,690,000 | -14.4% | 0.1% |
| FIRST INTEGRITY MORTGAGE SERVICES, INC. | $920,000 | $1,675,000 | 82.1% | 0.1% |
| North American Savings Bank, F.S.B. | $1,885,000 | $1,645,000 | -12.7% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $1,535,000 | $1,645,000 | 7.2% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $235,000 | $1,610,000 | 585.1% | 0.1% |
| United Community Bank | $720,000 | $1,580,000 | 119.4% | 0.0% |
| Prosperity Home Mortgage, LLC | $3,035,000 | $1,530,000 | -49.6% | 0.0% |
| Commerce Home Mortgage, Inc. | $880,000 | $1,510,000 | 71.6% | 0.0% |
| TOWER | $605,000 | $1,505,000 | 148.8% | 0.0% |
| BankSouth | $210,000 | $1,475,000 | 602.4% | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | $1,465,000 | n/a | 0.0% | |
| NFM, INC. | $1,060,000 | $1,450,000 | 36.8% | 0.0% |
| Mortgage Assurance Inc. | $590,000 | $1,420,000 | 140.7% | 0.0% |
| SWBC MORTGAGE CORPORATION | $510,000 | $1,400,000 | 174.5% | 0.0% |
| ALLIANT CREDIT UNION | $310,000 | $1,365,000 | 340.3% | 0.0% |
| SIRVA MORTGAGE, INC. | $265,000 | $1,365,000 | 415.1% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,680,000 | $1,360,000 | -19.0% | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | $1,410,000 | $1,320,000 | -6.4% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $860,000 | $1,315,000 | 52.9% | 0.0% |
| Strong Home Mortgage, LLC | $1,285,000 | n/a | 0.0% | |
| EMM LOANS LLC | $1,130,000 | $1,275,000 | 12.8% | 0.0% |
| The Central Trust Bank | $1,840,000 | $1,265,000 | -31.3% | 0.0% |
| GMFS LLC | $865,000 | $1,260,000 | 45.7% | 0.0% |
| Core Bank | $1,220,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $710,000 | $1,150,000 | 62.0% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,190,000 | $1,150,000 | -3.4% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $1,130,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $565,000 | $1,105,000 | 95.6% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $1,095,000 | n/a | 0.0% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $1,095,000 | n/a | 0.0% | |
| Kwik Mortgage Corporation | $1,055,000 | $1,075,000 | 1.9% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $195,000 | $1,075,000 | 451.3% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,940,000 | $1,065,000 | -63.8% | 0.0% |
| First Option Mortgage, LLC | $845,000 | $1,065,000 | 26.0% | 0.0% |
| Univest Bank and Trust Co. | $1,065,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $230,000 | $1,055,000 | 358.7% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $135,000 | $1,050,000 | 677.8% | 0.0% |
| Capital City Home Loans, LLC | $475,000 | $1,035,000 | 117.9% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $1,150,000 | $1,035,000 | -10.0% | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | $1,285,000 | $1,025,000 | -20.2% | 0.0% |
| Logan Finance Corporation | $615,000 | $1,020,000 | 65.9% | 0.0% |
| STATE EMPLOYEES' | $1,675,000 | $1,015,000 | -39.4% | 0.0% |
| Charles Schwab Bank, SSB | $995,000 | n/a | 0.0% | |
| Southern Bank | $1,000,000 | $995,000 | -0.5% | 0.0% |
| LENDINGONE, LLC | $2,340,000 | $985,000 | -57.9% | 0.0% |
| SILVER HILL FUNDING, LLC | $985,000 | n/a | 0.0% | |
| CityWorth Mortgage LLC | $1,010,000 | $975,000 | -3.5% | 0.0% |
| Brighton Bank | $965,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $365,000 | $965,000 | 164.4% | 0.0% |
| VERITAS FUNDING, LLC | $960,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $1,425,000 | $940,000 | -34.0% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $125,000 | $935,000 | 648.0% | 0.0% |
| SAFE FEDERAL CREDIT UNION | $875,000 | $915,000 | 4.6% | 0.0% |
| CAMPUS USA | $910,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $2,360,000 | $905,000 | -61.7% | 0.0% |
| Bethpage Federal Credit Union | $600,000 | $895,000 | 49.2% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $420,000 | $890,000 | 111.9% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $1,180,000 | $880,000 | -25.4% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $915,000 | $870,000 | -4.9% | 0.0% |
| MORTGAGE ACCESS CORP. | $870,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $825,000 | n/a | 0.0% | |
| Bank of England | $285,000 | $820,000 | 187.7% | 0.0% |
| Ixonia Bank | $295,000 | $785,000 | 166.1% | 0.0% |
| NEXERA HOLDING LLC | $765,000 | n/a | 0.0% | |
| FIRST TECHNOLOGY | $645,000 | $755,000 | 17.1% | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $755,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $740,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $730,000 | n/a | 0.0% | |
| Acre Mortgage and Financial Inc | $720,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $705,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $1,505,000 | $700,000 | -53.5% | 0.0% |
| LADERA LENDING, INC. | $690,000 | n/a | 0.0% | |
| PEACH STATE FEDERAL CREDIT UNION | $1,010,000 | $680,000 | -32.7% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $675,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $310,000 | $665,000 | 114.5% | 0.0% |
| Nations Lending Corporation | $1,115,000 | $665,000 | -40.4% | 0.0% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $660,000 | $660,000 | 0.0% | 0.0% |
| Atlantic Coast Mortgage, LLC | $425,000 | $655,000 | 54.1% | 0.0% |
| Greenbox Loans, Inc. | $655,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $845,000 | $650,000 | -23.1% | 0.0% |
| Southern Bancorp Bank | $650,000 | n/a | 0.0% | |
| First Savings Bank | $1,065,000 | $640,000 | -39.9% | 0.0% |
| SPRING EQ, LLC | $820,000 | $640,000 | -22.0% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $405,000 | $635,000 | 56.8% | 0.0% |
| Cornerstone First Mortgage, Inc | $630,000 | n/a | 0.0% | |
| Trustmark National Bank | $630,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $625,000 | n/a | 0.0% | |
| South Georgia Bank | $605,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $570,000 | n/a | 0.0% | |
| SOUTH CAROLINA FEDERAL CREDIT UNION | $860,000 | $560,000 | -34.9% | 0.0% |
| BETTER MORTGAGE CORPORATION | $2,575,000 | $555,000 | -78.4% | 0.0% |
| MICHIGAN MUTUAL, INC. | $3,490,000 | $530,000 | -84.8% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $1,830,000 | $520,000 | -71.6% | 0.0% |
| RESIDENTIAL BANCORP | $420,000 | $520,000 | 23.8% | 0.0% |
| SeaTrust Mortgage Company | $515,000 | n/a | 0.0% | |
| Devon Bank | $510,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $285,000 | $510,000 | 78.9% | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | $495,000 | n/a | 0.0% | |
| NMSI, INC. | $495,000 | n/a | 0.0% | |
| SOUTHWEST FUNDING, LP | $495,000 | n/a | 0.0% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $720,000 | $490,000 | -31.9% | 0.0% |
| DELMAR FINANCIAL COMPANY | $215,000 | $490,000 | 127.9% | 0.0% |
| Peoples Bank | $490,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $125,000 | $485,000 | 288.0% | 0.0% |
| Berkshire Bank | $475,000 | n/a | 0.0% | |
| Community First National Bank | $470,000 | n/a | 0.0% | |
| First National Bank of America | $285,000 | $470,000 | 64.9% | 0.0% |
| OPEN MORTGAGE, LLC | $255,000 | $470,000 | 84.3% | 0.0% |
| Commerce Bank | $455,000 | n/a | 0.0% | |
| CAPITAL CENTER, L.L.C. | $445,000 | $435,000 | -2.2% | 0.0% |
| Home Mortgage Alliance Corp | $430,000 | n/a | 0.0% | |
| First IC Corporation | $420,000 | n/a | 0.0% | |
| ServisFirst Bank | $690,000 | $420,000 | -39.1% | 0.0% |
| Evolve Bank & Trust | $415,000 | n/a | 0.0% | |
| First National Bank Texas | $415,000 | n/a | 0.0% | |
| Towne Bank | $65,000 | $415,000 | 538.5% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $215,000 | $410,000 | 90.7% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $405,000 | n/a | 0.0% | |
| First Federal Bank, A FSB | $405,000 | n/a | 0.0% | |
| NP, Inc. | $125,000 | $405,000 | 224.0% | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | $165,000 | $400,000 | 142.4% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $135,000 | $400,000 | 196.3% | 0.0% |
| Baxter Credit Union | $1,070,000 | $395,000 | -63.1% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $285,000 | $395,000 | 38.6% | 0.0% |
| Glacier Bank | $385,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $890,000 | $385,000 | -56.7% | 0.0% |
| ENVOY MORTGAGE, LTD | $375,000 | n/a | 0.0% | |
| BECKAM FUNDING CORP. | $240,000 | $370,000 | 54.2% | 0.0% |
| Plains Commerce Bank | $1,260,000 | $370,000 | -70.6% | 0.0% |
| CSL Financial, LLC | $480,000 | $365,000 | -24.0% | 0.0% |
| Farmers & Merchants Savings Bank | $365,000 | n/a | 0.0% | |
| DELTA COMMUNITY CREDIT UNION | $360,000 | n/a | 0.0% | |
| Dollar Bank, Federal Savings Bank | $645,000 | $355,000 | -45.0% | 0.0% |
| Merchants Mortgage & Trust Corporation | $635,000 | $355,000 | -44.1% | 0.0% |
| York Traditions Bank | $355,000 | n/a | 0.0% | |
| Enterprise Bank of South Carolina | $650,000 | $350,000 | -46.2% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $350,000 | n/a | 0.0% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $350,000 | n/a | 0.0% | |
| Old National Bank | $345,000 | n/a | 0.0% | |
| PLUS RELOCATION MORTGAGE, LLC | $345,000 | n/a | 0.0% | |
| GEORGIA UNITED | $590,000 | $340,000 | -42.4% | 0.0% |
| Hometown Equity Mortgage, LLC | $390,000 | $340,000 | -12.8% | 0.0% |
| Encompass Lending Group, LP | $175,000 | $335,000 | 91.4% | 0.0% |
| Franklin Loan Corporation | $205,000 | $335,000 | 63.4% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $335,000 | n/a | 0.0% | |
| AXIA FINANCIAL, LLC | $255,000 | $325,000 | 27.5% | 0.0% |
| CHARLOTTE METRO FEDERAL CREDIT UNION | $325,000 | n/a | 0.0% | |
| CIBM Bank | $325,000 | n/a | 0.0% | |
| MAX Credit Union | $325,000 | n/a | 0.0% | |
| The First, A National Banking Association | $325,000 | n/a | 0.0% | |
| APCO EMPLOYEES | $320,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $615,000 | $320,000 | -48.0% | 0.0% |
| GSF Mortgage Corporation | $3,180,000 | $315,000 | -90.1% | 0.0% |
| Simmons Bank | $255,000 | $315,000 | 23.5% | 0.0% |
| First National Bank in DeRidder | $305,000 | n/a | 0.0% | |
| THE MORTGAGE FIRM, INC. | $340,000 | $295,000 | -13.2% | 0.0% |
| TruHome Solutions, LLC | $295,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $170,000 | $290,000 | 70.6% | 0.0% |
| Bank of Hope | $285,000 | n/a | 0.0% | |
| INTELLILOAN, INC. | $285,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $190,000 | $285,000 | 50.0% | 0.0% |
| NEW WAVE LENDING GROUP INC | $280,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $275,000 | n/a | 0.0% | |
| FIRST MORTGAGE COMPANY, INC. | $185,000 | $275,000 | 48.6% | 0.0% |
| Integrity Home Mortgage Corp | $275,000 | n/a | 0.0% | |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $275,000 | n/a | 0.0% | |
| MORTGAGE EQUITY PARTNERS LLC | $275,000 | n/a | 0.0% | |
| Paramount Bank | $85,000 | $275,000 | 223.5% | 0.0% |
| REV FEDERAL CREDIT UNION | $250,000 | $275,000 | 10.0% | 0.0% |
| WINGS FINANCIAL | $270,000 | n/a | 0.0% | |
| BankPlus | $265,000 | n/a | 0.0% | |
| Capital Bank | $265,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $215,000 | $265,000 | 23.3% | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $265,000 | n/a | 0.0% | |
| Princeton Mortgage Corporation | $315,000 | $265,000 | -15.9% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $250,000 | $260,000 | 4.0% | 0.0% |
| DAS Acquisition Company, LLC | $1,355,000 | $255,000 | -81.2% | 0.0% |
| SOVEREIGN LENDING GROUP INCORPORATED | $255,000 | n/a | 0.0% | |
| TEACHERS | $255,000 | n/a | 0.0% | |
| Truliant Federal Credit Union | $35,000 | $250,000 | 614.3% | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $55,000 | $245,000 | 345.5% | 0.0% |
| Cumberland Valley National Bank & Trust Company | $245,000 | n/a | 0.0% | |
| Family Trust Federal Credit Union | $365,000 | $245,000 | -32.9% | 0.0% |
| WesBanco | $245,000 | n/a | 0.0% | |
| First State Bank of St. Charles, Missouri | $235,000 | n/a | 0.0% | |
| Gateway First Bank | $235,000 | n/a | 0.0% | |
| INB | $235,000 | n/a | 0.0% | |
| LOANLEADERS OF AMERICA, INC. | $235,000 | n/a | 0.0% | |
| ONY GLO, INC. | $225,000 | n/a | 0.0% | |
| Wilmington Savings Fund Society, FSB | $225,000 | n/a | 0.0% | |
| Palmetto Citizens Federal Credit Union | $1,130,000 | $220,000 | -80.5% | 0.0% |
| ATLANTA POSTAL | $210,000 | n/a | 0.0% | |
| Beeline Loans, Inc. | $205,000 | $210,000 | 2.4% | 0.0% |
| Boeing Employees Credit Union | $205,000 | n/a | 0.0% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $750,000 | $205,000 | -72.7% | 0.0% |
| Guardian Bank | $205,000 | n/a | 0.0% | |
| WRIGHT-PATT CREDIT UNION, INC. | $205,000 | n/a | 0.0% | |
| DATA MORTGAGE, INC. | $195,000 | n/a | 0.0% | |
| Sunflower Bank | $195,000 | n/a | 0.0% | |
| The First National Bank of Ottawa | $195,000 | n/a | 0.0% | |
| ARC HOME LLC | $185,000 | n/a | 0.0% | |
| Elements Financial Federal Credit Union | $185,000 | n/a | 0.0% | |
| KeyBank | $360,000 | $185,000 | -48.6% | 0.0% |
| RADIUS FINANCIAL GROUP INC. | $165,000 | $180,000 | 9.1% | 0.0% |
| ROBINS FINANCIAL | $335,000 | $180,000 | -46.3% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $1,410,000 | $175,000 | -87.6% | 0.0% |
| UNITED | $175,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $565,000 | $175,000 | -69.0% | 0.0% |
| First Horizon Bank | $350,000 | $165,000 | -52.9% | 0.0% |
| MIDFLORIDA | $165,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $305,000 | $160,000 | -47.5% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $375,000 | $155,000 | -58.7% | 0.0% |
| CLIFFCO, INC. | $155,000 | n/a | 0.0% | |
| NORTH COUNTRY | $155,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $155,000 | n/a | 0.0% | |
| Bank Five Nine | $145,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $145,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $145,000 | n/a | 0.0% | |
| Residential Acceptance Corporation | $145,000 | n/a | 0.0% | |
| Countybank | $135,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $135,000 | n/a | 0.0% | |
| NexBank | $580,000 | $135,000 | -76.7% | 0.0% |
| State Department Federal Credit Union | $135,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $135,000 | n/a | 0.0% | |
| INTERLINC MORTGAGE SERVICES, LLC | $875,000 | $125,000 | -85.7% | 0.0% |
| Morris Bank | $920,000 | $125,000 | -86.4% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $435,000 | $125,000 | -71.3% | 0.0% |
| Peoples State Bank | $115,000 | n/a | 0.0% | |
| Secured Investment Corp. | $500,000 | $115,000 | -77.0% | 0.0% |
| United States Senate Federal Credit Union | $115,000 | n/a | 0.0% | |
| Service Federal Credit Union | $230,000 | $110,000 | -52.2% | 0.0% |
| PUBLIX EMPLOYEES | $105,000 | n/a | 0.0% | |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | $85,000 | n/a | 0.0% | |
| ALL IN | $85,000 | n/a | 0.0% | |
| Grow Financial Federal Credit Union | $85,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $830,000 | $85,000 | -89.8% | 0.0% |
| UNIFY FINANCIAL Credit Union | $175,000 | $80,000 | -54.3% | 0.0% |
| FAIR WAY LENDING LLC | $75,000 | n/a | 0.0% | |
| AFFINITY | $65,000 | n/a | 0.0% | |
| S1L, Inc. | $390,000 | $65,000 | -83.3% | 0.0% |
| Southern States Bank | $740,000 | $65,000 | -91.2% | 0.0% |
| BMO Harris Bank | $220,000 | $45,000 | -79.5% | 0.0% |
| SPIRE Credit Union | $45,000 | n/a | 0.0% | |
| The Commercial Bank | $35,000 | n/a | 0.0% | |
| CREDIT UNION OF GEORGIA | $115,000 | $25,000 | -78.3% | 0.0% |
| Clearview Federal Credit Union | $15,000 | n/a | 0.0% | |
| EASTMAN | $1,035,000 | $15,000 | -98.6% | 0.0% |
| Exchange Bank | $15,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $15,000 | $15,000 | 0.0% | 0.0% |
AUGUSTA - RICHMOND COUNTY's top lender by overall market share is QUICKEN LOANS, LLC, with 6.3% market share. In second place, with 5.2%, is GUILD MORTGAGE COMPANY, having originated $165,850,000 in loans. In third place, with 4.6%, is South State Bank, having originated $147,255,000 in loans. In fourth place, with 4.3%, is Mortgage Research Center, LLC, having originated $138,340,000 in loans. In fifth place, with 4.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $137,480,000 in loans.
AUGUSTA-RICHMOND COUNTY, GA-SC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 7,783 | $2,171,575,000 | $279,015 |
| Cash Out Refi | 1,754 | $378,900,000 | $216,021 |
| Refi | 1,392 | $469,210,000 | $337,076 |
| Other | 948 | $90,900,000 | $95,886 |
| Home Improvement | 821 | $100,455,000 | $122,357 |
Augusta - Richmond County's most frequently cited loan purpose was Home Purchase, with 7,783 originations. The 2nd most popular reason was Cash Out Refi, with 1,754 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 5,307 | $1,466,625,000 | $276,357 |
| 5-6% | 2,544 | $832,730,000 | $327,331 |
| 7-8% | 1,898 | $426,070,000 | $224,484 |
| Over 8% | 1,721 | $199,255,000 | $115,779 |
| 4-5% | 426 | $149,140,000 | $350,094 |
| <2.5% | 156 | $7,450,000 | $47,756 |
| 3-4% | 21 | $5,815,000 | $276,905 |
| 2.5-3% | 18 | $5,220,000 | $290,000 |
During 2024, Augusta - Richmond County's most frequently originated rate bucket was 6-7%, with 5,307 originations.
Loan Sizing (AUGUSTA-RICHMOND COUNTY, GA-SC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 5,605 | $1,576,195,000 | $281,212 |
| $100k-200k | 3,292 | $497,460,000 | $151,112 |
| $100,000 or less | 2,355 | $133,305,000 | $56,605 |
| $400k-600k | 1,103 | $519,955,000 | $471,401 |
| $600k-1000k | 286 | $205,450,000 | $718,357 |
| $Over $1MM | 57 | $278,675,000 | $4,889,035 |
AUGUSTA - RICHMOND COUNTY's loan sizing saw the bucket of loans from $200k-400k with 5,605 originations, totaling $1,576,195,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 5,765 | $1,645,565,000 | $285,441 |
| 60-80% | 2,301 | $660,235,000 | $286,934 |
| 20-40% | 1,054 | $140,720,000 | $133,510 |
| Under 20% | 1,053 | $51,115,000 | $48,542 |
| 40-60% | 793 | $232,455,000 | $293,134 |
| Over 100% | 725 | $243,355,000 | $335,662 |
AUGUSTA - RICHMOND COUNTY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 5,765 originations, totaling $1,645,565,000 in origination value.