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 Other loans. Georgia's Own has an average proportion of conventional loans. Their top markets by origination volume include: Atlanta, Los Angeles, Miami, San Francisco, and Phoenix among others. We have data for 201 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 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% | 4/28/24 |
| 30 Year Conventional Purchase | 6.49% | 4/28/24 |
| 30 Year Conventional Refi | 6.34% | 4/28/24 |
| 30 Year Cash-out Refi | 6.61% | 4/28/24 |
| 30 Year FHA Purchase | 6.27% | 4/28/24 |
| 15 Year Conventional Purchase | 5.85% | 4/28/24 |
| 15 Year Conventional Refi | 6.24% | 4/28/24 |
| 15 Year Cash-out Refi | 6.24% | 4/28/24 |
| 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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This is not an official calculator from Georgia's Own. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,650Origination Dollar Volume (All Markets)
$682,270,000Top 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) | 1,188 | $203,070,000 | $170,934 | $3,123 | 5.33% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 262 | $61,740,000 | $235,649 | $0 | 6.61% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 374 | $58,870,000 | $157,406 | $0 | 5.98% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 154 | $32,680,000 | $212,208 | $0 | 6.06% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 105 | $21,125,000 | $201,190 | $0 | 6.12% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 75 | $19,215,000 | $256,200 | $0 | 6.65% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 84 | $18,990,000 | $226,071 | $0 | 5.48% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 91 | $16,345,000 | $179,615 | $0 | 6.57% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 84 | $14,000,000 | $166,667 | $0 | 6.43% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 77 | $12,805,000 | $166,299 | $5,482 | 6.39% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 64 | $11,740,000 | $183,438 | $0 | 5.99% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 45 | $10,405,000 | $231,222 | $0 | 5.81% |
| Outside of Metro Areas | 48 | $9,630,000 | $200,625 | $4,078 | 5.58% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 53 | $9,075,000 | $171,226 | $0 | 6.20% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 30 | $7,370,000 | $245,667 | $0 | 5.40% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 32 | $6,670,000 | $208,438 | $0 | 6.09% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 14 | $6,160,000 | $440,000 | $3,714 | 5.54% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 20 | $6,120,000 | $306,000 | $7,948 | 6.10% |
| STOCKTON, CA (FHA|USDA|VA) | 38 | $5,700,000 | $150,000 | $0 | 6.03% |
| SAVANNAH, GA (FHA|USDA|VA) | 35 | $5,625,000 | $160,714 | $2,252 | 5.41% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 30 | $5,460,000 | $182,000 | $0 | 6.65% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 24 | $5,440,000 | $226,667 | $0 | 6.20% |
| BOISE CITY, ID (FHA|USDA|VA) | 24 | $5,320,000 | $221,667 | $0 | 6.02% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 29 | $5,275,000 | $181,897 | $0 | 5.98% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 9 | $5,125,000 | $569,444 | $10,615 | 4.16% |
| GAINESVILLE, GA (FHA|USDA|VA) | 31 | $5,045,000 | $162,742 | $3,640 | 5.22% |
| PROVO-OREM, UT (FHA|USDA|VA) | 22 | $4,910,000 | $223,182 | $0 | 6.27% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 17 | $3,735,000 | $219,706 | $0 | 6.57% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 16 | $3,140,000 | $196,250 | $0 | 6.63% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 21 | $3,135,000 | $149,286 | $0 | 6.48% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 17 | $3,075,000 | $180,882 | $0 | 6.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $2,925,000 | $325,000 | $0 | 5.69% |
| Key West, FL (FHA|USDA|VA) | 7 | $2,805,000 | $400,714 | $0 | 6.50% |
| VALLEJO, CA (FHA|USDA|VA) | 17 | $2,685,000 | $157,941 | $0 | 6.30% |
| ST. GEORGE, UT (FHA|USDA|VA) | 8 | $2,560,000 | $320,000 | $0 | 5.56% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 13 | $2,505,000 | $192,692 | $5,147 | 6.87% |
| ALBANY, GA (FHA|USDA|VA) | 19 | $2,475,000 | $130,263 | $3,090 | 5.02% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 9 | $2,425,000 | $269,444 | $6,252 | 4.99% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 9 | $2,425,000 | $269,444 | $0 | 6.77% |
| Jefferson, GA (FHA|USDA|VA) | 13 | $2,385,000 | $183,462 | $4,271 | 4.99% |
| SALINAS, CA (FHA|USDA|VA) | 10 | $2,350,000 | $235,000 | $0 | 5.99% |
| NAPA, CA (FHA|USDA|VA) | 7 | $1,995,000 | $285,000 | $0 | 7.17% |
| COLUMBUS, OH (FHA|USDA|VA) | 11 | $1,865,000 | $169,545 | $0 | 6.25% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 10 | $1,810,000 | $181,000 | $0 | 6.15% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 6 | $1,770,000 | $295,000 | $0 | 6.62% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 9 | $1,765,000 | $196,111 | $0 | 6.33% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $1,670,000 | $208,750 | $0 | 5.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 12 | $1,600,000 | $133,333 | $0 | 6.01% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 9 | $1,385,000 | $153,889 | $4,016 | 5.69% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $1,345,000 | $192,143 | $7,734 | 7.76% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 9 | $1,235,000 | $137,222 | $3,274 | 5.29% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 7 | $1,225,000 | $175,000 | $0 | 5.82% |
| Heber, UT (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $0 | 7.33% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $0 | 4.68% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $1,150,000 | $143,750 | $0 | 5.87% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $0 | 5.37% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $1,115,000 | $159,286 | $0 | 6.46% |
| RENO, NV (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $0 | 5.95% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 8 | $1,070,000 | $133,750 | $3,808 | 5.89% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 8 | $1,070,000 | $133,750 | $0 | 6.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 7 | $1,045,000 | $149,286 | $0 | 6.39% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 7 | $1,005,000 | $143,571 | $0 | 6.81% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $0 | 4.93% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $0 | 6.09% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $5,992 | 6.12% |
| Bozeman, MT (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $0 | 6.32% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $6,773 | 4.83% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $7,236 | 4.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $5,464 | 4.31% |
| Ellensburg, WA (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $0 | 5.81% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 5 | $725,000 | $145,000 | $0 | 5.55% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $0 | 6.57% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $5,972 | 5.75% |
| BELLINGHAM, WA (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $0 | 6.15% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $0 | 6.15% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 5 | $645,000 | $129,000 | $0 | 6.59% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $0 | 6.24% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $5,415 | 5.50% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $22,585 | 5.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,829 | 7.54% |
| Cornelia, GA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $11,594 | 4.88% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $0 | 6.75% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,458 | 5.88% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $0 | 5.99% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $188 | 5.33% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,755 | 7.83% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $0 | 5.37% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 8.24% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 5 | $505,000 | $101,000 | $2,852 | 7.72% |
| Prineville, OR (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 4.74% |
| Edwards, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 8.99% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 3.50% |
| BEND, OR (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $0 | 5.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $0 | 5.58% |
| Toccoa, GA (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $6,896 | 4.66% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $0 | 6.99% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 5.75% |
| St. Marys, GA (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $5,094 | 6.49% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 4.75% |
| Moscow, ID (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 3.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $3,983 | 5.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $8,067 | 3.13% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $0 | 5.81% |
| Bainbridge, GA (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $3,152 | 5.16% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,195 | 4.75% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 5 | $385,000 | $77,000 | $0 | 6.74% |
| Tifton, GA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,820 | 4.81% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $12,732 | 5.75% |
| Moultrie, GA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $2,425 | 4.96% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $345,000 | $69,000 | $0 | 6.29% |
| Waycross, GA (FHA|USDA|VA) | 4 | $340,000 | $85,000 | $1,747 | 7.59% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,080 | 4.50% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $0 | 7.32% |
| DALTON, GA (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $4,495 | 4.12% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 8.49% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 8.49% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 4.37% |
| REDDING, CA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 4.62% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $0 | 6.41% |
| Douglas, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 7.50% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,549 | 5.13% |
| Outside of Metro Areas | 3 | $285,000 | $95,000 | $0 | 7.16% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $0 | 6.50% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 3.99% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $440 | 7.74% |
| Payson, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.50% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.88% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 5.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 5.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $240,000 | $60,000 | $0 | 8.30% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 8.49% |
| SALEM, OR (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 6.87% |
| OCALA, FL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,139 | 7.68% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 5.38% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 4.24% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 8.49% |
| VALDOSTA, GA (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $1,715 | 6.43% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 4.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,226 | 4.00% |
| Port Angeles, WA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 5.87% |
| MERCED, CA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 6.62% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,360 | 5.13% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 6.24% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 7.12% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 6.25% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,565 | 4.88% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 7.00% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.50% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.24% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.75% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.24% |
| MADERA, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.74% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 7.62% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.49% |
| Bennington, VT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.75% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.75% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.24% |
| Elko, NV (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 5.24% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.74% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.24% |
| CHICO, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.74% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,820 | 3.38% |
| Fremont, NE (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.25% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,399 | 3.50% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.24% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.74% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.49% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.99% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.00% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.50% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.25% |
| Cordele, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,599 | 3.38% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.74% |
| Thomasville, GA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $234 | 5.98% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,653 | 4.38% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.49% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.99% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.99% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.38% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.25% |
| ROME, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,470 | 4.13% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.74% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.00% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.00% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.99% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.00% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,368 | 5.38% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.99% |
| Americus, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $5,425 | 4.75% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.49% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.74% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,875 | 4.75% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.99% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.24% |
| Rutland, VT (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.49% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.99% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.49% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.74% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.75% |
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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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 2,866 | $493,800,000 | $172,296 | n/a | 5.98% |
| Conventional | 784 | $188,470,000 | $240,395 | $3,367 | 5.42% |
For 2022, Georgia's Own's most frequently originated type of loan was HELOC, with 2,866 originations. Their 2nd most popular type was Conventional, with 784 originations.
Loan Reason
For 2022, Georgia's Own's most frequently cited loan purpose was Home Purchase, with 1,347 originations. The 2nd most popular reason was Other, with 1,213 originations.
Loan Duration/Length
For 2022, Georgia's Own's most frequently cited loan duration was 30 Year, with 2,626 originations. The 2nd most popular length was Other, with 409 originations.
Origination Fees/Closing Costs
Georgia's Own's average total fees were $5,408, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 371 originations.
Interest Rates
During 2022, Georgia's Own's average interest rate for loans was 6.03%, while their most frequently originated rate bucket for loans was 4-5%, with 980 originations.
Loan Sizing
2022 saw Georgia's Own place emphasis on $100,000 or less loans with 1,311 originations, totaling $81,285,000 in origination value.
Applicant Income
Georgia's Own lent most frequently to those with incomes in the $250k+ range, with 1,074 originations. The second most popular income band? $150k-250k, with 1,039 originations.
Applicant Debt to Income Ratio
Georgia's Own lent most frequently to those with DTI ratios of 30-36%, with 609 originations. The next most common DTI ratio? 20-30%, with 569 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications72.84%
Georgia's Own has a below average approval rate.
Pick Rate
Approvals leading to origination74.71%
Georgia's Own has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,650 | $682,270,000 | $186,923 |