Looking for a different lender?
G
GEORGIA'S OWN
Credit Union|Atlanta, GA|Multi-Region
Loans Originated
257
Applications
583
Volume
$102 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
-0.212%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,480
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
44.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pull through efficiency is below industry average
Report Card
GEORGIA'S OWN performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 3 metro areas · 10 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$399,630
Average Borrower Income
$191,374
Average Property Value
$593,249
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% | $2,277 |
Jumbo Loans | Sound | Strong | N/A | Sound | 21 | 8.2% | -0.747% | $4,984 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Sound | Mediocre | 182 | 70.8% | -0.232% | $2,728 |
Refinance | Sound | Sound | Exceptional | Acceptable | 75 | 29.2% | -0.161% | $1,846 |
Geographic Coverage
Metro Areas
2
States Served
10
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALFLGAINKYLANCNVSCTX
Top Metro Areas by Place Specialization Score
1
Atlanta, GAMSA
Volume: 141Mix: 54.86%
Place Specialization
Strong
2
Marietta, GA, GAMSA
Volume: 37Mix: 14.40%
Place Specialization
Strong
Top States by Place Specialization Score
1
GAState
Volume: 238Mix: 92.61%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
Ready to Get Started?
Compare GEORGIA'S OWN with other lenders or get personalized recommendations.