Georgia's Own Mortgage Rates, Fees & Info
Atlanta, GALEI: 54930025XJJO3T0M1A92
Tax ID: 58-0147128
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Georgia's Own is a smaller mortgage company specializing in Other and Home Purchase loans. Georgia's Own has an average proportion of conventional loans. Their top markets by origination volume include: Atlanta, Los Angeles, Seattle, Miami, and Portland among others. We have data for 194 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 a low 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) | 6.72% | 4/5/25 |
| 30 Year Conventional Purchase | 6.44% | 4/5/25 |
| 30 Year Conventional Refi | 6.00% | 4/5/25 |
| 30 Year Cash-out Refi | 6.70% | 4/5/25 |
| 30 Year FHA Purchase | 6.72% | 4/5/25 |
| 30 Year FHA Refi | 6.72% | 4/5/25 |
| 15 Year Conventional Purchase | 6.99% | 4/5/25 |
| 15 Year Conventional Refi | 5.36% | 4/5/25 |
| 15 Year Cash-out Refi | 5.36% | 4/5/25 |
| 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
2,691Origination Dollar Volume (All Markets)
$616,045,000Awards
GEORGIA'S OWN - 2024
GEORGIA'S OWN is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
Work for GEORGIA'S OWN?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Relative Rate
Georgia's Own's average 30 year fixed mortgage rate was
9.63%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 3.08%.
Relative Fees (Closing Costs)
Georgia's Own's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,810.
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 $8,356.
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) | 903 | $168,505,000 | $186,606 | $3,565 | 8.65% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 185 | $64,455,000 | $348,405 | $0 | 10.06% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 121 | $33,655,000 | $278,140 | $0 | 9.88% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 103 | $31,095,000 | $301,893 | $12,524 | 9.68% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 94 | $24,810,000 | $263,936 | $0 | 10.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 70 | $18,340,000 | $262,000 | $15,775 | 9.88% |
| Outside of Metro Areas | 78 | $16,770,000 | $215,000 | $5,848 | 9.11% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 48 | $14,960,000 | $311,667 | $0 | 9.83% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 62 | $14,710,000 | $237,258 | $0 | 10.20% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 68 | $14,420,000 | $212,059 | $0 | 9.85% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 40 | $12,320,000 | $308,000 | $0 | 10.30% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 28 | $7,650,000 | $273,214 | $0 | 10.23% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 28 | $7,460,000 | $266,429 | $0 | 9.85% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 17 | $6,985,000 | $410,882 | $0 | 9.68% |
| PROVO-OREM, UT (FHA|USDA|VA) | 20 | $6,110,000 | $305,500 | $0 | 9.83% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 20 | $6,070,000 | $303,500 | $0 | 10.02% |
| GAINESVILLE, GA (FHA|USDA|VA) | 26 | $5,650,000 | $217,308 | $3,921 | 8.64% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 23 | $5,645,000 | $245,435 | $0 | 10.51% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 24 | $5,640,000 | $235,000 | $5,728 | 10.11% |
| SAVANNAH, GA (FHA|USDA|VA) | 26 | $5,200,000 | $200,000 | $4,143 | 8.68% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 24 | $4,490,000 | $187,083 | $0 | 10.17% |
| RENO, NV (FHA|USDA|VA) | 16 | $4,340,000 | $271,250 | $0 | 9.77% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 9 | $4,305,000 | $478,333 | $0 | 9.44% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 32 | $3,920,000 | $122,500 | $4,462 | 9.26% |
| BOISE CITY, ID (FHA|USDA|VA) | 26 | $3,900,000 | $150,000 | $0 | 9.91% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 15 | $3,795,000 | $253,000 | $7,351 | 10.04% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 11 | $3,645,000 | $331,364 | $6,717 | 9.20% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 14 | $3,620,000 | $258,571 | $0 | 10.22% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 11 | $3,535,000 | $321,364 | $0 | 10.43% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 13 | $3,165,000 | $243,462 | $0 | 9.64% |
| ALBANY, GA (FHA|USDA|VA) | 27 | $3,125,000 | $115,741 | $4,521 | 8.05% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 9 | $2,865,000 | $318,333 | $0 | 10.94% |
| SALINAS, CA (FHA|USDA|VA) | 9 | $2,825,000 | $313,889 | $0 | 9.89% |
| St. Marys, GA (FHA|USDA|VA) | 19 | $2,685,000 | $141,316 | $3,470 | 8.81% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 10 | $2,340,000 | $234,000 | $0 | 8.93% |
| Outside of Metro Areas | 16 | $2,230,000 | $139,375 | $0 | 9.98% |
| Cornelia, GA (FHA|USDA|VA) | 5 | $2,215,000 | $443,000 | $6,497 | 5.80% |
| Jefferson, GA (FHA|USDA|VA) | 12 | $2,160,000 | $180,000 | $4,567 | 9.08% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 10 | $2,090,000 | $209,000 | $6,340 | 9.65% |
| TUCSON, AZ (FHA|USDA|VA) | 8 | $2,070,000 | $258,750 | $0 | 10.38% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 6 | $2,050,000 | $341,667 | $0 | 9.50% |
| Centralia, WA (FHA|USDA|VA) | 5 | $1,995,000 | $399,000 | $0 | 10.10% |
| BEND, OR (FHA|USDA|VA) | 11 | $1,915,000 | $174,091 | $0 | 10.41% |
| CORVALLIS, OR (FHA|USDA|VA) | 4 | $1,820,000 | $455,000 | $0 | 9.56% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 13 | $1,745,000 | $134,231 | $0 | 10.54% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $1,730,000 | $288,333 | $7,560 | 9.21% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 8 | $1,650,000 | $206,250 | $0 | 9.59% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 7 | $1,575,000 | $225,000 | $0 | 11.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $3,583 | 9.23% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 12 | $1,520,000 | $126,667 | $0 | 10.35% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $0 | 10.23% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $0 | 9.88% |
| SALEM, OR (FHA|USDA|VA) | 10 | $1,450,000 | $145,000 | $0 | 10.20% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 8 | $1,450,000 | $181,250 | $0 | 10.41% |
| Key West, FL (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $0 | 10.08% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $4,966 | 8.93% |
| BELLINGHAM, WA (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $0 | 10.13% |
| Milledgeville, GA (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $8,949 | 6.67% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $1,165,000 | $1,165,000 | $15,950 | 7.63% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $1,135,000 | $1,135,000 | $14,676 | 5.38% |
| Bozeman, MT (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $0 | 9.33% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $10,949 | 5.13% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $0 | 10.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $0 | 9.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $0 | 9.50% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $1,000,000 | $166,667 | $0 | 11.33% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $0 | 10.44% |
| ST. GEORGE, UT (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $0 | 10.13% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $0 | 9.33% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $0 | 10.94% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $3,938 | 9.58% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 6 | $840,000 | $140,000 | $0 | 10.85% |
| Americus, GA (FHA|USDA|VA) | 8 | $820,000 | $102,500 | $4,014 | 9.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $0 | 10.06% |
| ROME, GA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $5,787 | 7.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $0 | 10.08% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $0 | 8.75% |
| Waycross, GA (FHA|USDA|VA) | 11 | $795,000 | $72,273 | $1,656 | 9.26% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $0 | 9.17% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $0 | 10.69% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $2,408 | 9.31% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $0 | 11.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 6 | $710,000 | $118,333 | $0 | 10.21% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $0 | 10.38% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $0 | 10.33% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $6,164 | 6.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $0 | 9.56% |
| Tifton, GA (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $5,322 | 8.19% |
| Shelton, WA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $0 | 10.31% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $0 | 11.17% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $5,587 | 8.96% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 8.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $0 | 9.75% |
| ANCHORAGE, AK (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $0 | 10.67% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $0 | 9.75% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,884 | 6.31% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 11.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $0 | 10.66% |
| LONGVIEW, WA (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $0 | 10.42% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 7.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $0 | 9.25% |
| Hood River, OR (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 11.50% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 10.50% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 6.50% |
| Seneca, SC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $6,010 | 5.63% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 9.75% |
| Sandpoint, ID (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $0 | 10.08% |
| Statesboro, GA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $1,625 | 6.75% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 8.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 8.75% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 8.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 8.00% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $0 | 9.83% |
| Toccoa, GA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $10,096 | 9.29% |
| POCATELLO, ID (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $0 | 11.25% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 11.00% |
| Durango, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 9.25% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 10.50% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 9.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $400,000 | $100,000 | $3,824 | 9.66% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 8.75% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 10.25% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,545 | 6.06% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $0 | 9.92% |
| Albertville, AL (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $0 | 10.31% |
| Fitzgerald, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $7,507 | 7.88% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $370,000 | $92,500 | $0 | 11.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $340,000 | $85,000 | $0 | 12.19% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 4 | $320,000 | $80,000 | $0 | 11.44% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 11.50% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 10.25% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 11.63% |
| Heber, UT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 11.50% |
| Angola, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 11.50% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 10.50% |
| Douglas, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,878 | 6.13% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 11.63% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 10.13% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 10.00% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 9.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 11.88% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 10.19% |
| Palatka, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,843 | 6.75% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,210 | 8.13% |
| LOGAN, UT-ID (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 9.63% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.75% |
| Helena, MT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.75% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 11.00% |
| Danville, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,146 | 6.63% |
| Vernal, UT (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 11.31% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 11.25% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 10.50% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.50% |
| NAPA, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.50% |
| Moultrie, GA (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $3,433 | 9.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,020 | 7.88% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 10.50% |
| Blackfoot, ID (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 12.25% |
| Newport, OR (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 10.50% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 11.75% |
| Montrose, CO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 11.75% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 11.25% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 9.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.00% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.00% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.50% |
| Sterling, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.50% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.25% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 12.75% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.50% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.75% |
| Danville, VA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.00% |
| Prineville, OR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 11.50% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.50% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 13.25% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 11.38% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.75% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.75% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.00% |
| Elko, NV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 12.75% |
| OCALA, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 12.00% |
| Fernley, NV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.75% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.75% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.50% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.75% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.38% |
| CHICO, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.75% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 12.38% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.25% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.00% |
| Ashland, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 12.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.75% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $140 | 9.65% |
Similar Lenders
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.
Similarity Rank: 80
Similarity Rank: 792
Similarity Rank: 960
Similarity Rank: 960
Similarity Rank: 1107
Similarity Rank: 1450
Similarity Rank: 2185
Similarity Rank: 2294
Similarity Rank: 2448
Similarity Rank: 2788
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 2,125 | $459,735,000 | $216,346 | n/a | 9.95% |
| Conventional | 566 | $156,310,000 | $276,166 | $3,994 | 7.43% |
For 2024, Georgia's Own's most frequently originated type of loan was HELOC, with 2,125 originations. Their 2nd most popular type was Conventional, with 566 originations.
Loan Reason
For 2024, Georgia's Own's most frequently cited loan purpose was Other, with 1,245 originations. The 2nd most popular reason was Home Improvement, with 592 originations.
Loan Duration/Length
For 2024, Georgia's Own's most frequently cited loan duration was 30 Year, with 1,792 originations. The 2nd most popular length was Other, with 441 originations.
Origination Fees/Closing Costs
Georgia's Own's average total fees were $6,810, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 282 originations.
Interest Rates
During 2024, Georgia's Own's average interest rate for loans was 9.63%, while their most frequently originated rate bucket for loans was Over 8%, with 2,252 originations.
Loan Sizing
2024 saw Georgia's Own place emphasis on $100,000 or less loans with 813 originations, totaling $47,585,000 in origination value.
Applicant Income
Georgia's Own lent most frequently to those with incomes in the $250k+ range, with 949 originations. The second most popular income band? $150k-250k, with 673 originations.
Applicant Debt to Income Ratio
Georgia's Own lent most frequently to those with DTI ratios of 44%, with 441 originations. The next most common DTI ratio? 30-36%, with 390 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications68.39%
Georgia's Own has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination66.52%
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 | 2,691 | $616,045,000 | $228,928 |