What loan types does Georgia'S Own offer?

Georgia'S Own offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Georgia'S Own offer mortgages?

Georgia'S Own offers mortgages in 10 states: AL, FL, GA, IN, KY, LA, NC, NV, SC, TX.

How competitive are Georgia'S Own's mortgage rates?

Georgia'S Own has an overall pricing score of 59.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Georgia'S Own?

Georgia'S Own is a Credit Union headquartered in Atlanta, GA.

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Georgia'S Own

Credit Union•Atlanta, GAHQ•Direct•Reviews near you on Google

Georgia'S Own has 257 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Georgia'S Own performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 21.2 bps below market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

236 loans · 0.17% below market

Sound

Top 60% of lenders

3/5

Jumbo

21 loans · 0.75% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

182 loans · 0.23% below market

Sound

Top 60% of lenders

3/5

Refinance

75 loans · 0.16% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Acceptable	236	91.8%	-0.169%Below	$2,277Fees
Jumbo Loans	Strong	Strong	—	Sound	21	8.2%	-0.747%Below	$4,984Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume236

Mix91.8%

Spread

-0.169%Below

Fees

$2,277Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Sound

Volume21

Mix8.2%

Spread

-0.747%Below

Fees

$4,984Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Sound	Mediocre	182	70.8%	-0.232%Below	$2,728Fees
Refinance	Sound	Sound	Exceptional	Acceptable	75	29.2%	-0.161%Below	$1,846Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Sound

Pull Through

Mediocre

Volume182

Mix70.8%

Spread

-0.232%Below

Fees

$2,728Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume75

Mix29.2%

Spread

-0.161%Below

Fees

$1,846Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

257

Applications

583

Volume

$102 million

Pricing & Closing

Avg Rate Spread

-0.212%

vs. market APOR

Avg Net Fees

$2,480

Origination − Credits

Pullthrough Rate

44.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$399,630

Avg Borrower Income

$191,374

Avg Property Value

$593,249

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

10Full-year 2024 · HMDA

Loans originated

< 200200+None

Midwest1

South8

ALFLGAKYLANCSCTX

West1

Top Metro Areas by Place Specialization Score

Atlanta, GAMetro

Volume 141Mix 54.86% of portfolio

75/100

Strong

Marietta, GAMetro

Volume 37Mix 14.40% of portfolio

62/100

Strong

Top States by Place Specialization Score

GeorgiaState

Volume 238Mix 92.61% of portfolio

76/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.