Applications / Mortgage Analytics / Lenders / Georgia / First Choice Mortgage
Augusta, GA · Independent non-bank lender · CFPB · 92 loans in 2025
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92
loans originated, 2025
133
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Choice Mortgage, an Augusta home-purchase lender, leans heavily on government-backed loans and grew 5% in 2025 while similar lenders shrank.
Only 45.7% of its loans were conventional, against 80.8% at similar lenders, independent non-bank lenders making between half and twice as many loans. Loans insured by the Federal Housing Administration (FHA) made up 33.7%, against 13.9%. Loans guaranteed by the Department of Veterans Affairs (VA) made up 17.4%; the typical similar lender made none. Purchases were 88.0% of its business.
Borrowers with low or moderate incomes took 33.3% of its loans, against 19.4% at similar lenders, more than at about three in four of them. Its typical loan, $225,000, was smaller than at about four in five. Both fit a lender whose business is government-backed purchase loans.
Its loans rose 5% in 2025, to 92. Similar lenders fell 3%, though the whole market rose 10%. Over a longer span it has shrunk: it made 205 loans in 2018, and the figures give no reason for the fall.
It has lent in Augusta since 1994 and ranks 38th of 461 lenders there, with 0.5% of lending. Its share slipped 0.1 points. One possible reason is that its dollar lending was flat, at $22.4 million, while the market grew. Rocket Mortgage, United Wholesale Mortgage and SouthState Bank lead.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Choice Mortgage took 133 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.0% · Refinance 12.0%
Conventional 45.7% · FHA 33.7% · VA 17.4% · USDA (RHS or FSA) 3.3% · of 92 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 75 | 81.5% |
| South Carolina | 17 | 18.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Augusta-Richmond County | 84 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Savannah | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZC48GOYCGYFE82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3914096 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 77570000007 | 1993–2017 |
Established 10 January 1992. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: First Choice Mortgage's data.
First Choice Mortgage's data
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First Choice Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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