Mortgage lending in Augusta-Richmond County, GA-SC
14,373 mortgages were originated in the Augusta-Richmond County, GA-SC area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 14,373
- Median rate
- 6.499%
- Median lender fees
- $6,181
- Median loan amount
- $225,000
- Median spread over APOR
- 0.190
- Paid discount points
- 43.8%
- Received lender credits
- 26.5%
- Purchases / refinances
- 57.9% / 28.2%
- Conventional / FHA / VA
- 58.2% / 16.9% / 24.1%
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 77.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Augusta-Richmond County, GA-SC area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,165 | $5,366 | 6.500% |
| GUILD MORTGAGE COMPANY | 784 | $7,496 | 6.375% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 749 | $7,246 | 6.124% |
| SRP Federal Credit Union | 690 | $5,166 | 6.250% |
| SouthState Bank, National Association | 649 | $5,133 | 6.590% |
| Mortgage Research Center, LLC | 506 | $4,588 | 6.250% |
| Navy Federal Credit Union | 441 | $2,797 | 7.000% |
| DHI MORTGAGE COMPANY, LTD. | 398 | $6,853 | 5.500% |
| MOVEMENT MORTGAGE, LLC | 348 | $7,684 | 6.250% |
| FREEDOM MORTGAGE CORPORATION | 316 | $4,479 | 6.125% |