Georgia's Own Mortgage Rates, Fees & Info
Atlanta, GALEI: 54930025XJJO3T0M1A92
Tax ID: 58-0147128
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Mortgage Data
Review & Overview
Georgia's Own is a smaller mortgage company specializing in Other and Home Purchase loans. Georgia's Own has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Atlanta, Los Angeles, Miami, Boston, and San Francisco among others. We have data for 162 markets. (Some data included below & more in-depth data is available with an active subscription.)Georgia's Own has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Georgia's Own is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 11/17/24 |
| 30 Year Conventional Purchase | 6.49% | 11/17/24 |
| 30 Year Conventional Refi | 6.34% | 11/17/24 |
| 30 Year Cash-out Refi | 6.61% | 11/17/24 |
| 30 Year FHA Purchase | 6.27% | 11/17/24 |
| 15 Year Conventional Purchase | 5.85% | 11/17/24 |
| 15 Year Conventional Refi | 6.24% | 11/17/24 |
| 15 Year Cash-out Refi | 6.24% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Georgia's Own Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Georgia's Own. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,049Origination Dollar Volume (All Markets)
$374,695,000Awards
GEORGIA'S OWN - 2023
GEORGIA'S OWN is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Georgia's Own's average 30 year fixed mortgage rate was
9.59%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 3.11%.
Relative Fees (Closing Costs)
Georgia's Own's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,542.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 849 | $132,355,000 | $155,895 | $2,742 | 8.83% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 133 | $35,165,000 | $264,398 | $0 | 10.35% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 99 | $16,995,000 | $171,667 | $2,063 | 9.63% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 84 | $15,730,000 | $187,262 | $0 | 10.30% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 39 | $10,715,000 | $274,744 | $0 | 10.17% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 41 | $10,155,000 | $247,683 | $0 | 10.12% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 30 | $7,970,000 | $265,667 | $0 | 10.17% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 36 | $7,950,000 | $220,833 | $0 | 9.96% |
| Outside of Metro Areas | 36 | $6,600,000 | $183,333 | $3,879 | 8.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 32 | $6,400,000 | $200,000 | $0 | 10.22% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 16 | $4,540,000 | $283,750 | $0 | 10.55% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 15 | $4,415,000 | $294,333 | $8,399 | 9.35% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 26 | $4,330,000 | $166,538 | $0 | 10.44% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 17 | $4,095,000 | $240,882 | $8,637 | 10.44% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 18 | $3,850,000 | $213,889 | $0 | 10.71% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 12 | $3,530,000 | $294,167 | $13,570 | 9.86% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 12 | $3,350,000 | $279,167 | $0 | 10.17% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 18 | $3,250,000 | $180,556 | $4,075 | 8.97% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 14 | $3,170,000 | $226,429 | $0 | 9.94% |
| SAVANNAH, GA (FHA|USDA|VA) | 31 | $3,145,000 | $101,452 | $1,647 | 8.53% |
| GAINESVILLE, GA (FHA|USDA|VA) | 22 | $3,020,000 | $137,273 | $3,558 | 9.02% |
| Jefferson, GA (FHA|USDA|VA) | 16 | $2,880,000 | $180,000 | $3,108 | 8.54% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 9 | $2,725,000 | $302,778 | $0 | 10.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $2,615,000 | $523,000 | $15,812 | 9.27% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $2,535,000 | $362,143 | $0 | 9.67% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $2,495,000 | $356,429 | $0 | 9.25% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 11 | $2,035,000 | $185,000 | $0 | 10.41% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 13 | $1,965,000 | $151,154 | $5,797 | 9.39% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 8 | $1,950,000 | $243,750 | $0 | 9.93% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $1,935,000 | $387,000 | $8,235 | 9.33% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 8 | $1,880,000 | $235,000 | $0 | 9.56% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 6 | $1,770,000 | $295,000 | $0 | 10.42% |
| ALBANY, GA (FHA|USDA|VA) | 19 | $1,745,000 | $91,842 | $2,395 | 7.73% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $0 | 10.86% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 9 | $1,655,000 | $183,889 | $6,057 | 9.44% |
| BOISE CITY, ID (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $0 | 9.50% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $1,535,000 | $219,286 | $0 | 10.21% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $0 | 9.93% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $1,455,000 | $207,857 | $0 | 9.25% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $1,240,000 | $620,000 | $0 | 9.25% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 9 | $1,235,000 | $137,222 | $0 | 10.75% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $0 | 9.94% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $0 | 9.05% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 10 | $1,140,000 | $114,000 | $0 | 10.22% |
| St. Marys, GA (FHA|USDA|VA) | 15 | $1,065,000 | $71,000 | $1,628 | 8.22% |
| RENO, NV (FHA|USDA|VA) | 6 | $1,050,000 | $175,000 | $0 | 9.71% |
| STOCKTON, CA (FHA|USDA|VA) | 7 | $1,045,000 | $149,286 | $0 | 10.03% |
| Key West, FL (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $0 | 9.75% |
| PROVO-OREM, UT (FHA|USDA|VA) | 6 | $1,000,000 | $166,667 | $0 | 9.33% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $0 | 10.14% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $0 | 11.30% |
| Cornelia, GA (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $9,139 | 6.71% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $0 | 10.50% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $0 | 9.41% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $6,818 | 6.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $0 | 9.93% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $4,206 | 8.94% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $0 | 10.58% |
| NAPA, CA (FHA|USDA|VA) | 6 | $800,000 | $133,333 | $0 | 9.78% |
| DALTON, GA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $9,124 | 7.79% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 9.50% |
| Nogales, AZ (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $0 | 9.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,975 | 8.16% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $0 | 11.50% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $0 | 9.83% |
| Waycross, GA (FHA|USDA|VA) | 11 | $725,000 | $65,909 | $1,067 | 8.67% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 6 | $720,000 | $120,000 | $0 | 10.20% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 6 | $720,000 | $120,000 | $12,352 | 9.68% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $3,035 | 9.76% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $0 | 11.31% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $0 | 10.25% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,351 | 5.94% |
| OCALA, FL (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $6,530 | 8.66% |
| BRUNSWICK, GA (FHA|USDA|VA) | 6 | $530,000 | $88,333 | $1,473 | 8.79% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $515,000 | $103,000 | $0 | 10.09% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $9,565 | 8.19% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $480,000 | $80,000 | $0 | 10.66% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 5 | $475,000 | $95,000 | $0 | 10.09% |
| Outside of Metro Areas | 2 | $470,000 | $235,000 | $0 | 11.75% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $348 | 9.38% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $0 | 11.06% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $0 | 10.25% |
| Summerville, GA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 9.62% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 8.87% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $0 | 11.67% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $0 | 10.50% |
| REDDING, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 10.24% |
| Tifton, GA (FHA|USDA|VA) | 5 | $385,000 | $77,000 | $2,257 | 7.90% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 9.50% |
| Fernley, NV (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 11.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 11.50% |
| Barre, VT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 7.50% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 10.37% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 10.74% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 11.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 11.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,453 | 6.88% |
| SALEM, OR (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $0 | 10.83% |
| ROME, GA (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $1,606 | 8.66% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 11.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,650 | 7.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 8.88% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $0 | 11.42% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 10.75% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 9.49% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,289 | 5.88% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 10.62% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,256 | 6.50% |
| BEND, OR (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 10.75% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,313 | 6.75% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 10.16% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 11.75% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 11.75% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 10.87% |
| Newport, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 9.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 11.88% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 6.00% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $3,250 | 7.56% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.75% |
| Heber, UT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.24% |
| CHICO, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 11.50% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 11.50% |
| Moultrie, GA (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $2,940 | 9.21% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 11.75% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 11.00% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 10.00% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 11.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 11.12% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 11.75% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,738 | 6.38% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.24% |
| Hilo, HI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.75% |
| MADERA, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.75% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.25% |
| Centralia, WA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 12.00% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 12.00% |
| Cordele, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,053 | 8.25% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 12.00% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.24% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.74% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 10.13% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.00% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 12.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 11.00% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.24% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,805 | 7.38% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 12.00% |
| Scottsbluff, NE (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 12.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 12.00% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.75% |
| Payson, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.75% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.25% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 12.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 12.00% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.74% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.25% |
| Americus, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,253 | 7.63% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.99% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 12.00% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $218 | 9.50% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $375 | 9.00% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $788 | 9.45% |
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We use machine learning to identify the top lenders compared against GEORGIA'S OWN based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2023, Georgia's Own's most frequently originated type of loan was HELOC, with 1,430 originations. Their 2nd most popular type was Conventional, with 609 originations.
Loan Reason
For 2023, Georgia's Own's most frequently cited loan purpose was Other, with 899 originations. The 2nd most popular reason was Home Improvement, with 578 originations.
Loan Duration/Length
For 2023, Georgia's Own's most frequently cited loan duration was 30 Year, with 1,197 originations. The 2nd most popular length was Other, with 358 originations.
Origination Fees/Closing Costs
Georgia's Own's average total fees were $6,542, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 377 originations.
Interest Rates
During 2023, Georgia's Own's average interest rate for loans was 9.59%, while their most frequently originated rate bucket for loans was Over 8%, with 1,635 originations.
Loan Sizing
2023 saw Georgia's Own place emphasis on $100,000 or less loans with 873 originations, totaling $49,845,000 in origination value.
Applicant Income
Georgia's Own lent most frequently to those with incomes in the $250k+ range, with 555 originations. The second most popular income band? $150k-250k, with 497 originations.
Applicant Debt to Income Ratio
Georgia's Own lent most frequently to those with DTI ratios of 30-36%, with 303 originations. The next most common DTI ratio? 44%, with 289 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications66.96%
Georgia's Own has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination64.57%
Georgia's Own has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,049 | $374,695,000 | $182,867 |