Augusta-Richmond County Mortgage Lending in 2025

Explore mortgage lending activity in Augusta-Richmond County (MSA/MD Code 12260) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 12260
9,721 Loans Originated
• Primary State: Georgia (GA-SC)
• $2.84 Billion Originated Volume
• $265,000 Median Loan
Actionable Applications 12,751 +7.86% vs 2024
Approval Rate 80.76% +0.04 pp vs 2024
Denial Rate 19.24% -0.04 pp vs 2024
Loan Originations 9,721 +7.89% vs 2024
Originated Volume $2.84 Billion +11.64% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 12,751 actionable applications (Actions 1, 2, and 3).

80.76%
19.24%
10,298 approved 2,453 denied
Action 1: Originated
9,721 (76.24%)
Action 2: Approved not accepted
577 (4.53%)
Action 3: Denied
2,453 (19.24%)
Action 4: Withdrawn (not in denominator)
2,853 —
Action 5: Incomplete (not in denominator)
1,388 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Augusta-Richmond County Compares

Metro vs. State Baseline (2025)

Metric Augusta-Richmond County Georgia
Actionable Apps 12,751 204,580
Approval Rate 80.76% 79.55%
Denial Rate 19.24% 20.45%
Originations 9,721 154,597
Originated Volume $2.84 Billion $55.38 Billion
Median Loan $265,000 $315,000
Compared against Georgia statewide baseline in 2025.

Lending Trends in Augusta-Richmond County

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 15,474 16,992 +9.81%
Actionable Apps 11,822 12,751 +7.86%
Originations 9,010 9,721 +7.89%
Approval Rate 80.72% 80.76% +0.04 pp
Denial Rate 19.28% 19.24% -0.04 pp
Median Loan $255,000 $265,000 +3.92%
Dollar Volume $2.54 Billion $2.84 Billion +11.64%

Applications by Borrower Income (Augusta-Richmond County)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 2,555 86.54% 13.46%
$150k+ 2,046 91.20% 8.80%
$50k–$99,999 5,057 80.68% 19.32%
<$50k 1,805 56.01% 43.99%
Income unavailable/entity 1,288 87.73% 12.27%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Georgia (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 12260, anchored in Georgia (GA-SC).
Metro Share of State Apps 6.23%
Metro Share of State Volume 5.12%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Georgia statewide mortgage activity

Augusta-Richmond County is part of OpenFileData’s statewide coverage of Georgia. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Georgia Statewide Overview Active Profile
Statewide Actionable Applications: 204,580
Explore Georgia State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Georgia Profile

Compare all metropolitan areas located in Georgia.

View State Page →

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.