# GEORGIA'S OWN

> **Canonical URL:** https://saferate.com/lenders/georgias-own


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GEORGIA'S OWN is a credit union, headquartered in Atlanta, GA, serving borrowers across 10 states, with 257 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 68% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930025XJJO3T0M1A92
- **Headquarters:** Atlanta, GA
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AL, FL, GA, IN, KY, LA, NC, NV, SC, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.212%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,480
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 257
- **Dollar Volume:** $103 million
- **Applications Received:** 583
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $399,630
- **Average Borrower Income:** $191,374
- **Average Property Value:** $593,249

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 236 | -0.169% | $2,277 | Sound ☺️ |
| Jumbo | 67/100 | 21 | -0.747% | $4,984 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 165 loans, Score: 41/100 (Sound)
- Refinance: 71 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 182 | $79M | -0.232% | Sound ☺️ |
| Refinance | 50/100 | 75 | $23M | -0.161% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 238 | 0.17% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 141 | 75/100 |
| Marietta, GA | GA | 37 | 62/100 |
| Non |  | 36 | 41/100 |

## Where This Lender Ranks

GEORGIA'S OWN appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Atlanta for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Atlanta Credit Unions
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Atlanta for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/credit-unions/jumbo-loans)

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.212% below market average.

### What type of lender is GEORGIA'S OWN?

GEORGIA'S OWN is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Atlanta, GA.

### What is GEORGIA'S OWN's loan approval success rate?

GEORGIA'S OWN has a pull-through score of 32/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/georgias-own

### How to Cite

> "GEORGIA'S OWN Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/georgias-own

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**[View Interactive Profile →](https://saferate.com/lenders/georgias-own)**