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 Home Purchase and Refi loans. Georgia's Own has a high proportion of conventional loans. Their top markets by origination volume include: Atlanta, Miami, Los Angeles, San Francisco, and Seattle among others. We have data for 165 markets. (Some data included below & more in-depth data is available with an active subscription.)Georgia's Own has an 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/16/24 |
| 30 Year Conventional Purchase | 6.49% | 12/16/24 |
| 30 Year Conventional Refi | 6.34% | 12/16/24 |
| 30 Year Cash-out Refi | 6.61% | 12/16/24 |
| 30 Year FHA Purchase | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 5.85% | 12/16/24 |
| 15 Year Conventional Refi | 6.24% | 12/16/24 |
| 15 Year Cash-out Refi | 6.24% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,645Origination Dollar Volume (All Markets)
$615,865,000Top 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) | 1,327 | $219,465,000 | $165,384 | $3,416 | 3.80% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 354 | $47,770,000 | $134,944 | $9,684 | 5.08% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 220 | $47,200,000 | $214,545 | $0 | 5.19% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 154 | $31,330,000 | $203,442 | $0 | 5.15% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 90 | $18,880,000 | $209,778 | $0 | 4.48% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 133 | $18,055,000 | $135,752 | $0 | 5.53% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 72 | $14,830,000 | $205,972 | $0 | 5.23% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 87 | $13,355,000 | $153,506 | $0 | 4.80% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 52 | $9,960,000 | $191,538 | $0 | 4.59% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 72 | $9,750,000 | $135,417 | $0 | 5.49% |
| Outside of Metro Areas | 49 | $9,695,000 | $197,857 | $4,150 | 3.67% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 38 | $9,110,000 | $239,737 | $0 | 5.06% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 43 | $8,065,000 | $187,558 | $6,173 | 4.69% |
| STOCKTON, CA (FHA|USDA|VA) | 62 | $7,450,000 | $120,161 | $0 | 5.50% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 34 | $7,080,000 | $208,235 | $0 | 5.45% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 46 | $6,990,000 | $151,957 | $0 | 4.82% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 35 | $5,975,000 | $170,714 | $0 | 4.75% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 34 | $5,610,000 | $165,000 | $0 | 4.90% |
| GAINESVILLE, GA (FHA|USDA|VA) | 42 | $5,440,000 | $129,524 | $3,159 | 3.77% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 33 | $5,045,000 | $152,879 | $4,216 | 4.75% |
| SAVANNAH, GA (FHA|USDA|VA) | 33 | $4,605,000 | $139,545 | $3,421 | 3.62% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 21 | $4,255,000 | $202,619 | $0 | 4.86% |
| PROVO-OREM, UT (FHA|USDA|VA) | 25 | $4,025,000 | $161,000 | $0 | 4.77% |
| BOISE CITY, ID (FHA|USDA|VA) | 18 | $3,910,000 | $217,222 | $0 | 4.68% |
| ALBANY, GA (FHA|USDA|VA) | 24 | $3,560,000 | $148,333 | $3,436 | 3.77% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 21 | $3,485,000 | $165,952 | $0 | 4.76% |
| VALLEJO, CA (FHA|USDA|VA) | 25 | $2,995,000 | $119,800 | $0 | 5.68% |
| Key West, FL (FHA|USDA|VA) | 5 | $2,945,000 | $589,000 | $17,553 | 4.84% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 19 | $2,615,000 | $137,632 | $0 | 4.73% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 12 | $2,520,000 | $210,000 | $0 | 4.41% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 17 | $2,515,000 | $147,941 | $5,930 | 4.71% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 10 | $2,420,000 | $242,000 | $0 | 5.44% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 16 | $2,410,000 | $150,625 | $0 | 5.15% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 7 | $2,365,000 | $337,857 | $5,938 | 3.98% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 17 | $2,335,000 | $137,353 | $0 | 5.46% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 13 | $2,095,000 | $161,154 | $0 | 4.86% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 6 | $2,050,000 | $341,667 | $0 | 5.12% |
| ST. GEORGE, UT (FHA|USDA|VA) | 10 | $1,920,000 | $192,000 | $0 | 4.52% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 9 | $1,835,000 | $203,889 | $3,084 | 3.78% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 9 | $1,825,000 | $202,778 | $3,430 | 3.79% |
| SALINAS, CA (FHA|USDA|VA) | 8 | $1,760,000 | $220,000 | $0 | 5.18% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 8 | $1,750,000 | $218,750 | $0 | 5.05% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $0 | 5.57% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $1,490,000 | $372,500 | $8,672 | 4.06% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $4,755 | 4.32% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 6 | $1,380,000 | $230,000 | $0 | 4.74% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 7 | $1,305,000 | $186,429 | $5,146 | 3.70% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 8 | $1,300,000 | $162,500 | $0 | 4.90% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $1,270,000 | $211,667 | $0 | 4.78% |
| RENO, NV (FHA|USDA|VA) | 8 | $1,240,000 | $155,000 | $0 | 4.68% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 10 | $1,180,000 | $118,000 | $0 | 4.99% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $0 | 5.20% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $4,528 | 4.29% |
| Jefferson, GA (FHA|USDA|VA) | 10 | $1,060,000 | $106,000 | $1,823 | 3.77% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $0 | 4.66% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $960,000 | $120,000 | $0 | 5.58% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 9 | $945,000 | $105,000 | $0 | 4.88% |
| Heber, UT (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $0 | 4.74% |
| Bozeman, MT (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $0 | 4.82% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $800,000 | $133,333 | $0 | 4.91% |
| Thomasville, GA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $4,666 | 3.94% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $9,554 | 3.38% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $0 | 4.56% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $0 | 4.49% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 5 | $725,000 | $145,000 | $2,341 | 3.89% |
| MODESTO, CA (FHA|USDA|VA) | 6 | $720,000 | $120,000 | $0 | 5.57% |
| Oak Harbor, WA (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $0 | 4.84% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $2,635 | 3.97% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $0 | 4.44% |
| NAPA, CA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $0 | 5.41% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $0 | 4.82% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $0 | 4.99% |
| OCALA, FL (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $3,998 | 3.83% |
| BEND, OR (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 4.74% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 7 | $595,000 | $85,000 | $4,846 | 4.87% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $0 | 4.24% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $0 | 5.12% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 5 | $555,000 | $111,000 | $0 | 4.69% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $0 | 5.24% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $6,088 | 4.28% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 4.49% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $0 | 5.32% |
| REDDING, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 4.87% |
| Burley, ID (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 4.99% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $0 | 4.32% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $2,488 | 3.81% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $0 | 5.24% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 4.74% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 5 | $455,000 | $91,000 | $0 | 5.19% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 4.74% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,347 | 3.37% |
| Alexander City, AL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,465 | 4.06% |
| Cornelia, GA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,896 | 3.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,899 | 4.25% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 5 | $405,000 | $81,000 | $0 | 4.69% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $8,527 | 4.70% |
| Americus, GA (FHA|USDA|VA) | 4 | $400,000 | $100,000 | $2,798 | 3.13% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 6.24% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 3.99% |
| Outside of Metro Areas | 5 | $355,000 | $71,000 | $0 | 4.79% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,960 | 2.50% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 3.38% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 4.74% |
| Ukiah, CA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 4.87% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 4.74% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 5.49% |
| Payson, AZ (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 6.24% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 4.99% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,310 | 3.13% |
| LaGrange, GA-AL (FHA|USDA|VA) | 4 | $320,000 | $80,000 | $265 | 4.42% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 5.12% |
| TULSA, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,791 | 3.38% |
| CHICO, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 4.49% |
| MERCED, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 5.24% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 3.99% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,439 | 3.19% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 5.24% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.24% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $0 | 4.83% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 5.24% |
| St. Marys, GA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 3.81% |
| Hood River, OR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.99% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,558 | 3.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 4.87% |
| Edwards, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.99% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.99% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.99% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 5.49% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 3.99% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,066 | 2.75% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.99% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 4.49% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.49% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 4.74% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,156 | 3.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 5.24% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.99% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.99% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.49% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.49% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.74% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.99% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,285 | 3.63% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.49% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,521 | 3.00% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.49% |
| Bennington, VT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.49% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.99% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,778 | 3.50% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.49% |
| Newport, OR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.74% |
| Tifton, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,588 | 2.88% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,542 | 2.75% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.49% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,060 | 2.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.49% |
| Helena, MT (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.49% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.49% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.99% |
| Jesup, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.25% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.99% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.24% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.55% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.00% |
| Summerville, GA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $318 | 6.30% |
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Similarity Rank: 2912
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 2,644 | $402,610,000 | $152,273 | n/a | 4.89% |
| Conventional | 1,001 | $213,255,000 | $213,042 | $3,495 | 3.48% |
For 2021, Georgia's Own's most frequently originated type of loan was HELOC, with 2,644 originations. Their 2nd most popular type was Conventional, with 1,001 originations.
Loan Reason
For 2021, Georgia's Own's most frequently cited loan purpose was Home Purchase, with 1,753 originations. The 2nd most popular reason was Refi, with 832 originations.
Loan Duration/Length
For 2021, Georgia's Own's most frequently cited loan duration was 30 Year, with 2,677 originations. The 2nd most popular length was Other, with 389 originations.
Origination Fees/Closing Costs
Georgia's Own's average total fees were $4,587, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 321 originations.
Interest Rates
During 2021, Georgia's Own's average interest rate for loans was 4.71%, while their most frequently originated rate bucket for loans was 4-5%, with 1,504 originations.
Loan Sizing
2021 saw Georgia's Own place emphasis on $100,000 or less loans with 1,401 originations, totaling $87,035,000 in origination value.
Applicant Income
Georgia's Own lent most frequently to those with incomes in the $150k-250k range, with 1,164 originations. The second most popular income band? $250k+, with 859 originations.
Applicant Debt to Income Ratio
Georgia's Own lent most frequently to those with DTI ratios of 20-30%, with 704 originations. The next most common DTI ratio? 30-36%, with 666 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.08%
Georgia's Own has a below average approval rate.
Pick Rate
Approvals leading to origination73.64%
Georgia's Own has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,645 | $615,865,000 | $168,962 |