Lender profile · HMDA 2023–2025
Georgia's Own mortgage approval rates & lending data
Georgia's Own decided 5,569 mortgage applications and funded 3,445 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.