Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Richmond County, Georgia
Every institution that decided a 1–4 unit mortgage application in Richmond County, home to Augusta, between 2023 and 2025: 13,336 applications, 9,206 loans actually funded, across 8 kinds of borrowing.
Richmond County at a glance
13,336Applications decided
2023–2025
9,206Loans funded
69% of decisions
56Census tracts
7 ZIP codes
206,040People
ACS 2023
What the data shows
Lenders approved 82.1% of home-purchase applications in Richmond County, 5.1 points below the Georgia rate.
The typical purchase mortgage here is $195K.
Investment home improvement is the hardest money to get here: lenders approved 38% of 181 applications.
Lending by loan type in Richmond County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 82.1% | 6,406 | $195K | 95% | 270 |
| Home improvement loans | 46.0% | 1,120 | $55K | 94% | 68 |
| Cash-out refinance | 60.6% | 2,426 | $145K | 93% | 133 |
| Refinance | 74.9% | 1,261 | $215K | 87% | 133 |
| Investment property purchase | 83.9% | 1,125 | $125K | 93% | 185 |
| Investment cash-out refinance | 73.0% | 449 | $115K | 93% | 95 |
| Investment refinance | 81.0% | 368 | $125K | 95% | 75 |
| Investment home improvement | 37.6% | 181 | $75K | 96% | 44 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.