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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.

Safe Rate 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

Safe Rate 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
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

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

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
2
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

10
10 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
IN
South8
ALFLGAKYLANCSCTX
West1
NV

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 141Mix 54.86% of portfolio
75/100
Strong
2© Bubba73 · CC BY-SA 3.0
Marietta, GAMetro
Volume 37Mix 14.40% of portfolio
62/100
Strong

Top States by Place Specialization Score

Georgia
Georgia
1
GeorgiaState
Volume 238Mix 92.61% of portfolio
76/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.