Lender in Georgia · HMDA 2025
Georgia's Own mortgages in Georgia
Georgia's Own's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
Georgia's Own originated 332 owner-occupied single-family loans in Georgia from 412 completed applications.
Its median conventional purchase loan costs were $7,120 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.125% (Georgia: 6.624%).
Loans in GA
332
of 412 applications
Denial rate
9.4%
Purchase · GA 9.9%
Rate spread
−0.41 pts
Conv. · GA +0.13 pts
Loan amount
$385,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 255 | 212 | 9.4% | 6.125% | −0.41 pts | $7,120 | $385,000 |
| Refinance | 83 | 62 | 16.9% | — | −0.49 pts | $7,850 | $375,000 |
| Cash-out refinance | 74 | 58 | 16.2% | 6.375% | −0.08 pts | $4,570 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where Georgia's Own ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wheeler County | 4 | 1 | 4.3% |
| Pierce County | 12 | 3 | 1.3% |
| Wilkinson County | 12 | 1 | 1.6% |
| Seminole County | 13 | 1 | 1.3% |
| Candler County | 15 | 1 | 1.3% |
| Appling County | 17 | 1 | 1.0% |
| Forsyth County | 21 | 55 | 1.1% |
| Lee County | 23 | 4 | 0.7% |
| Colquitt County | 23 | 2 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology