Mortgage lending in Richmond County
3,632 mortgages were originated in Richmond County, Georgia, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,632
- Median rate
- 6.624%
- Median lender fees
- $5,537
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $165,000
- Above the going rate (spread over APOR)
- 0.209
- Paid discount points
- 41.5%
- Received lender credits
- 24.5%
- Purchases / refinances
- 55.3% / 31.4%
- Conventional / FHA / VA
- 56.7% / 17.9% / 25.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $315,000
- That home, 20% down
- $252,000
A median-priced home with 20% down leaves $580,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Richmond County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| SouthState Bank, National Association | 279 | $4,222 | 6.625% |
| Rocket Mortgage, LLC | 277 | $5,190 | 6.625% |
| United Shore Financial Services, LLC | 210 | $7,142 | 6.125% |
| Guild Mortgage Company | 191 | $7,363 | 6.250% |
| Mortgage Research Center, LLC | 151 | $3,355 | 6.500% |
| Navy Federal Credit Union | 114 | $2,912 | 6.563% |
| Freedom Mortgage Corporation | 110 | $3,917 | 6.250% |
| SRP Federal Credit Union | 101 | — | 6.250% |
| DHI Mortgage Company, Ltd. | 99 | $7,384 | 5.500% |
| Broker Solutions, Inc. | 86 | $8,754 | 6.933% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Richmond County — not a rule of thumb.
From 2,649 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers