Georgia's Own mortgage approval rate & lending review
Georgia's Own decided 5,569 mortgage applications and funded 3,445 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Georgia's Own reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Georgia's Own at a glance
Approval is 5.1 points below the 71.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 84% | 1,152 / 1,374 | 96% | $295K | 1,106 |
| Home improvement loans | 59% | 1,740 / 2,930 | 91% | $65K | 1,592 |
| Cash-out refinance | 79% | 143 / 182 | 93% | $205K | 133 |
| Refinance | 70% | 532 / 765 | 95% | $345K | 508 |
| Investment property purchase | 55% | 61 / 110 | 89% | $185K | 54 |
| Investment cash-out refinance | 57% | 25 / 44 | 76% | $205K | 19 |
| Investment refinance | 53% | 24 / 45 | 92% | $215K | 22 |
| Investment home improvement | 9% | 11 / 119 | 100% | $55K | 11 |
Georgia's Own lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 61% | $65K | 4,049 | 2,267 |
| Florida | 79% | $95K | 310 | 230 |
| California | 82% | $405K | 261 | 210 |
| Washington | 87% | $235K | 138 | 120 |
| Massachusetts | 81% | $255K | 131 | 103 |
| Oregon | 81% | $235K | 89 | 71 |
| Arizona | 83% | $235K | 88 | 72 |
| Utah | 83% | $205K | 64 | 52 |
| Colorado | 78% | $305K | 58 | 42 |
| New Jersey | 82% | $295K | 57 | 46 |
| South Carolina | 78% | $285K | 54 | 42 |
| Nevada | 85% | $205K | 40 | 33 |
| Idaho | 89% | $205K | 37 | 33 |
| Pennsylvania | 91% | $355K | 35 | 32 |
| Alabama | 52% | $175K | 25 | 12 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Georgia's Own lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Gwinnett County, GA | Home improvement loans | 59% | 538 | 289 |
| Fulton County, GA | Home improvement loans | 59% | 511 | 273 |
| Cobb County, GA | Home improvement loans | 67% | 345 | 220 |
| DeKalb County, GA | Home improvement loans | 55% | 360 | 182 |
| Forsyth County, GA | Home improvement loans | 71% | 217 | 138 |
| Forsyth County, GA | Mortgage lenders | 88% | 93 | 77 |
| Cherokee County, GA | Home improvement loans | 63% | 115 | 67 |
| Douglas County, GA | Home improvement loans | 49% | 89 | 39 |
| Hall County, GA | Home improvement loans | 57% | 72 | 38 |
| Henry County, GA | Home improvement loans | 58% | 62 | 34 |
| Walton County, GA | Home improvement loans | 67% | 61 | 34 |
| Paulding County, GA | Home improvement loans | 68% | 50 | 33 |
The county markets where Georgia's Own made the most loans. Each link opens that market with every lender ranked.
Questions about Georgia's Own
What is Georgia's Own's mortgage approval rate?
Georgia's Own approved 66.2% of the 5,569 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.1 points below the 71.4% national rate for the same mix of loan types.
How often do borrowers take the loan Georgia's Own offers?
Borrowers accepted 93% of the loans Georgia's Own approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Georgia's Own make?
The typical home improvement loan loan Georgia's Own made was $65K; across all loan types its typical loan ran from $55K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Georgia's Own lend?
Georgia's Own decided applications in 39 of the states Fat Boy Data covers, most of them in Georgia, Florida and California.
Can I apply to Georgia's Own directly?
Yes. Georgia's Own is a bank or credit union with 30 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Georgia's Own's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Georgia's Own treats applications, then get a rate quote from the lender.