Georgia's Own Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Georgia's Own Credit Union of 100 Peachtree St. Nw 2800, GA reported 5,384 mortgage applications totaling $1.2 billion, down 8% from 2024. The average application was for $222,201, and applicants reported an average income of $200,035. 43% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (2,355), Marietta, GA (627) and Albany, GA (124) (applications in parentheses).
| Mortgage Company & Address | Georgia's Own Credit Union 100 Peachtree St Nw 100 Peachtree St. Nw 2800, GA 30303 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,384 |
| Total Mortgage Loan Application Amount | $1,196,335,000 |
| Average Mortgage Loan Application Amount | $222,201 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $200,035 |
| Highest Applicant Income | $9,512,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Georgia's Own Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 2,355 | $ 447,090,000 | $ 189,847 | $ 162,000 |
| Marietta, GA | 627 | $ 126,595,000 | $ 201,905 | $ 181,000 |
| Outside any metro area | 518 | $ 86,580,000 | $ 167,142 | $ 155,961 |
| Albany, GA | 124 | $ 11,480,000 | $ 92,580 | $ 99,000 |
| Augusta-Richmond County, GA-SC | 120 | $ 15,940,000 | $ 132,833 | $ 120,866 |
| Portland-Vancouver-Hillsboro, OR-WA | 109 | $ 35,165,000 | $ 322,614 | $ 339,018 |
| Savannah, GA | 97 | $ 12,245,000 | $ 126,237 | $ 128,000 |
| Phoenix-Mesa-Scottsdale, AZ | 82 | $ 31,440,000 | $ 383,414 | $ 333,000 |
| Gainesville, GA | 79 | $ 18,545,000 | $ 234,746 | $ 171,000 |
| Seattle-Bellevue-Everett, WA | 73 | $ 33,355,000 | $ 456,917 | $ 454,000 |
| Boston, MA | 44 | $ 8,920,000 | $ 202,727 | $ 251,000 |
| Miami-Miami Beach-Kendall, FL | 41 | $ 19,945,000 | $ 486,463 | $ 533,000 |
| Cambridge-Newton-Framingham, MA | 39 | $ 9,135,000 | $ 234,230 | $ 252,000 |
| Montgomery County-Bucks County-Chester County, PA | 36 | $ 11,950,000 | $ 331,944 | $ 362,000 |
| Denver-Aurora-Lakewood, CO | 33 | $ 10,185,000 | $ 308,636 | $ 333,000 |
| Athens-Clarke County, GA | 31 | $ 6,065,000 | $ 195,645 | $ 186,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 31 | $ 11,975,000 | $ 386,290 | $ 334,000 |
| Arlington-Alexandria-Reston, VA-WV | 30 | $ 10,930,000 | $ 364,333 | $ 316,000 |
| Las Vegas-Henderson-Paradise, NV | 28 | $ 9,310,000 | $ 332,500 | $ 284,000 |
| New York-Jersey City-White Plains, NY-NJ | 28 | $ 8,940,000 | $ 319,285 | $ 327,000 |
| Everett, WA | 27 | $ 8,275,000 | $ 306,481 | $ 225,000 |
| Charlotte-Concord-Gastonia, NC-SC | 25 | $ 7,535,000 | $ 301,400 | $ 242,600 |
| Newark, NJ-PA | 24 | $ 10,230,000 | $ 426,250 | $ 363,000 |
| Brunswick, GA | 23 | $ 3,595,000 | $ 156,304 | $ 150,000 |
| Worcester, MA-CT | 23 | $ 4,685,000 | $ 203,695 | $ 203,000 |
| Los Angeles-Long Beach-Glendale, CA | 22 | $ 8,140,000 | $ 370,000 | $ 391,000 |
| Providence-Warwick, RI-MA | 22 | $ 5,280,000 | $ 240,000 | $ 232,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 21 | $ 8,855,000 | $ 421,666 | $ 309,000 |
| Coeur D'Alene, ID | 20 | $ 4,370,000 | $ 218,500 | $ 247,000 |
| Orlando-Kissimmee-Sanford, FL | 18 | $ 5,810,000 | $ 322,777 | $ 261,000 |
| Boise City, ID | 16 | $ 3,980,000 | $ 248,750 | $ 257,000 |
| Charleston-North Charleston, SC | 15 | $ 4,085,000 | $ 272,333 | $ 218,000 |
| Lakewood-New Brunswick, NJ | 15 | $ 6,075,000 | $ 405,000 | $ 408,000 |
| Philadelphia, PA | 13 | $ 5,475,000 | $ 421,153 | $ 450,000 |
| Salt Lake City, UT | 13 | $ 5,405,000 | $ 415,769 | $ 357,000 |
| Anchorage, AK | 12 | $ 3,860,000 | $ 321,666 | $ 326,000 |
| Bridgeport-Stamford-Norwalk, CT | 12 | $ 4,080,000 | $ 340,000 | $ 314,000 |
| Chattanooga, TN-GA | 12 | $ 2,770,000 | $ 230,833 | $ 186,333 |
| Reno, NV | 12 | $ 5,830,000 | $ 485,833 | $ 341,000 |
| Bellingham, WA | 11 | $ 4,195,000 | $ 381,363 | $ 310,000 |
| Boulder, CO | 11 | $ 5,355,000 | $ 486,818 | $ 301,000 |
| Ogden-Clearfield, UT | 11 | $ 3,085,000 | $ 280,454 | $ 202,000 |
| St. Petersburg-Clearwater-Largo, FL | 11 | $ 5,465,000 | $ 496,818 | $ 557,000 |
| Tampa, FL | 11 | $ 4,385,000 | $ 398,636 | $ 278,000 |
| Macon-Bibb County, GA | 10 | $ 660,000 | $ 66,000 | $ 59,000 |
| Tacoma-Lakewood, WA | 10 | $ 3,450,000 | $ 345,000 | $ 299,000 |
| Warner Robins, GA | 10 | $ 1,250,000 | $ 125,000 | $ 114,000 |
| Bend-Redmond, OR | 9 | $ 4,435,000 | $ 492,777 | $ 535,000 |
| Greenville-Anderson-Mauldin, SC | 9 | $ 2,745,000 | $ 305,000 | $ 226,000 |
| Trenton, NJ | 9 | $ 4,125,000 | $ 458,333 | $ 423,000 |
| Atlantic City-Hammonton, NJ | 8 | $ 2,780,000 | $ 347,500 | $ 460,000 |
| Barnstable Town, MA | 8 | $ 2,230,000 | $ 278,750 | $ 418,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 2,000,000 | $ 250,000 | $ 219,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 3,540,000 | $ 442,500 | $ 322,000 |
| Raleigh, NC | 8 | $ 3,150,000 | $ 393,750 | $ 158,000 |
| Panama City, FL | 7 | $ 1,935,000 | $ 276,428 | $ 160,000 |
| Prescott Valley-Prescott, AZ | 7 | $ 2,165,000 | $ 309,285 | $ 238,000 |
| Provo-Orem, UT | 7 | $ 3,365,000 | $ 480,714 | $ 330,000 |
| Dalton, GA | 6 | $ 690,000 | $ 115,000 | $ 129,000 |
| Eugene, OR | 6 | $ 1,960,000 | $ 326,666 | $ 286,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 1,150,000 | $ 191,666 | $ 222,000 |
| Medford, OR | 6 | $ 1,650,000 | $ 275,000 | $ 217,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 2,770,000 | $ 461,666 | $ 230,000 |
| Salem, OR | 6 | $ 2,460,000 | $ 410,000 | $ 159,000 |
| Auburn-Opelika, AL | 5 | $ 905,000 | $ 181,000 | $ 127,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,425,000 | $ 285,000 | $ 354,000 |
| Columbus, GA-AL | 5 | $ 305,000 | $ 61,000 | $ 1,967,800 |
| Dallas-Plano-Irving, TX | 5 | $ 2,385,000 | $ 477,000 | $ 253,000 |
| Hinesville, GA | 5 | $ 1,095,000 | $ 219,000 | $ 149,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 2,515,000 | $ 503,000 | $ 306,000 |
| Jacksonville, FL | 5 | $ 1,785,000 | $ 357,000 | $ 269,000 |
| Oklahoma City, OK | 5 | $ 1,025,000 | $ 205,000 | $ 276,000 |
| Port St. Lucie, FL | 5 | $ 1,075,000 | $ 215,000 | $ 186,000 |
| Richmond, VA | 5 | $ 1,485,000 | $ 297,000 | $ 377,000 |
| Rockingham County-Strafford County, NH | 5 | $ 1,395,000 | $ 279,000 | $ 232,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 5 | $ 1,545,000 | $ 309,000 | $ 251,000 |
| San Francisco-Redwood City-South San Francisco, CA | 5 | $ 1,585,000 | $ 317,000 | $ 475,000 |
| Spokane-Spokane Valley, WA | 5 | $ 1,795,000 | $ 359,000 | $ 248,000 |
| Albany, OR | 4 | $ 800,000 | $ 200,000 | $ 171,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 1,380,000 | $ 345,000 | $ 277,000 |
| Camden, NJ | 4 | $ 900,000 | $ 225,000 | $ 223,000 |
| Colorado Springs, CO | 4 | $ 650,000 | $ 162,500 | $ 142,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 5,170,000 | $ 1,292,500 | $ 297,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 830,000 | $ 207,500 | $ 181,000 |
| Flagstaff, AZ | 4 | $ 1,350,000 | $ 337,500 | $ 395,000 |
| Helena, MT | 4 | $ 1,670,000 | $ 417,500 | $ 212,000 |
| Lake County-Porter County-Jasper County, IN | 4 | $ 990,000 | $ 247,500 | $ 386,000 |
| Midland, MI | 4 | $ 2,940,000 | $ 735,000 | $ 433,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 640,000 | $ 160,000 | $ 263,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 1,040,000 | $ 260,000 | $ 427,250 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,950,000 | $ 487,500 | $ 223,000 |
| Rome, GA | 4 | $ 430,000 | $ 107,500 | $ 89,000 |
| San Diego-Carlsbad, CA | 4 | $ 1,520,000 | $ 380,000 | $ 325,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 3,640,000 | $ 910,000 | $ 392,000 |
| Sebastian-Vero Beach, FL | 4 | $ 1,090,000 | $ 272,500 | $ 116,000 |
| Spartanburg, SC | 4 | $ 870,000 | $ 217,500 | $ 84,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 1,120,000 | $ 280,000 | $ 182,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 805,000 | $ 268,333 | $ 242,000 |
| Bozeman, MT | 3 | $ 805,000 | $ 268,333 | $ 318,000 |
| Cleveland, OH | 3 | $ 665,000 | $ 221,666 | $ 198,000 |
| Columbus, OH | 3 | $ 1,015,000 | $ 338,333 | $ 399,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 565,000 | $ 188,333 | $ 152,000 |
| Fort Collins, CO | 3 | $ 825,000 | $ 275,000 | $ 838,000 |
| Greeley, CO | 3 | $ 855,000 | $ 285,000 | $ 688,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 795,000 | $ 265,000 | $ 272,000 |
| Montgomery, AL | 3 | $ 795,000 | $ 265,000 | $ 59,000 |
| Olympia-Tumwater, WA | 3 | $ 875,000 | $ 291,666 | $ 272,000 |
| Pittsburgh, PA | 3 | $ 1,215,000 | $ 405,000 | $ 389,000 |
| St. George, UT | 3 | $ 1,365,000 | $ 455,000 | $ 210,000 |
| Valdosta, GA | 3 | $ 535,000 | $ 178,333 | $ 92,000 |
| Wenatchee, WA | 3 | $ 1,075,000 | $ 358,333 | $ 215,000 |
| Birmingham-Hoover, AL | 2 | $ 440,000 | $ 220,000 | $ 446,000 |
| Charlottesville, VA | 2 | $ 430,000 | $ 215,000 | $ 139,000 |
| Cincinnati, OH-KY-IN | 2 | $ 310,000 | $ 155,000 | $ 172,000 |
| Columbia, SC | 2 | $ 280,000 | $ 140,000 | $ 333,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 400,000 | $ 200,000 | $ 244,000 |
| Dothan, AL | 2 | $ 320,000 | $ 160,000 | $ 96,000 |
| Fairbanks, AK | 2 | $ 230,000 | $ 115,000 | $ 224,000 |
| Gadsden, AL | 2 | $ 520,000 | $ 260,000 | $ 107,000 |
| Grand Junction, CO | 2 | $ 1,000,000 | $ 500,000 | $ 151,000 |
| Huntsville, AL | 2 | $ 390,000 | $ 195,000 | $ 160,000 |
| Idaho Falls, ID | 2 | $ 300,000 | $ 150,000 | $ 610,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 1,010,000 | $ 505,000 | $ 503,000 |
| Logan, UT-ID | 2 | $ 480,000 | $ 240,000 | $ 112,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 570,000 | $ 285,000 | $ 389,000 |
| Manchester-Nashua, NH | 2 | $ 140,000 | $ 70,000 | $ 571,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 480,000 | $ 240,000 | $ 239,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 110,000 | $ 55,000 | $ 136,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 470,000 | $ 235,000 | $ 94,000 |
| New Haven-Milford, CT | 2 | $ 730,000 | $ 365,000 | $ 156,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 980,000 | $ 490,000 | $ 276,000 |
| Pocatello, ID | 2 | $ 150,000 | $ 75,000 | $ 47,000 |
| Punta Gorda, FL | 2 | $ 770,000 | $ 385,000 | $ 202,000 |
| San Rafael, CA | 2 | $ 860,000 | $ 430,000 | $ 412,000 |
| Santa Fe, NM | 2 | $ 570,000 | $ 285,000 | $ 261,000 |
| Sebring, FL | 2 | $ 620,000 | $ 310,000 | $ 100,000 |
| Tucson, AZ | 2 | $ 1,030,000 | $ 515,000 | $ 171,000 |
| Tulsa, OK | 2 | $ 230,000 | $ 115,000 | $ 104,000 |
| Twin Falls, ID | 2 | $ 230,000 | $ 115,000 | $ 117,000 |
| Wichita, KS | 2 | $ 140,000 | $ 70,000 | $ 115,000 |
| Albuquerque, NM | 1 | $ 385,000 | $ 385,000 | $ 240,000 |
| Ann Arbor, MI | 1 | $ 305,000 | $ 305,000 | $ 351,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Appleton, WI | 1 | $ 275,000 | $ 275,000 | $ 53,000 |
| Bakersfield, CA | 1 | $ 505,000 | $ 505,000 | $ 240,000 |
| Bloomington, IL | 1 | $ 375,000 | $ 375,000 | $ 186,000 |
| Bowling Green, KY | 1 | $ 375,000 | $ 375,000 | $ 97,000 |
| Burlington-South Burlington, VT | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Chico, CA | 1 | $ 75,000 | $ 75,000 | $ 94,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 125,000 | $ 125,000 | $ 193,000 |
| Decatur, AL | 1 | $ 105,000 | $ 105,000 | $ 250,000 |
| Durham-Chapel Hill, NC | 1 | $ 1,005,000 | $ 1,005,000 | $ 932,000 |
| Farmington, NM | 1 | $ 415,000 | $ 415,000 | $ 80,000 |
| Flint, MI | 1 | $ 85,000 | $ 85,000 | $ 370,000 |
| Gainesville, FL | 1 | $ 145,000 | $ 145,000 | $ 120,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 135,000 | $ 135,000 | $ 110,000 |
| Grants Pass, OR | 1 | $ 165,000 | $ 165,000 | $ 343,000 |
| Greensboro-High Point, NC | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
| Greenville, NC | 1 | $ 135,000 | $ 135,000 | $ 170,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Harrisburg-Carlisle, PA | 1 | $ 305,000 | $ 305,000 | $ 226,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 505,000 | $ 505,000 | $ 143,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 215,000 | $ 215,000 | $ 180,000 |
| Jackson, MI | 1 | $ 285,000 | $ 285,000 | $ 208,000 |
| Jacksonville, NC | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Johnstown, PA | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Kalamazoo-Portage, MI | 1 | $ 105,000 | $ 105,000 | $ 170,000 |
| Kennewick-Richland, WA | 1 | $ 305,000 | $ 305,000 | $ 164,000 |
| Lafayette-West Lafayette, IN | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Lexington-Fayette, KY | 1 | $ 155,000 | $ 155,000 | $ 225,000 |
| Longview, WA | 1 | $ 195,000 | $ 195,000 | $ 152,000 |
| Manhattan, KS | 1 | $ 65,000 | $ 65,000 | $ 105,000 |
| Memphis, TN-MS-AR | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Missoula, MT | 1 | $ 505,000 | $ 505,000 | $ 332,000 |
| Mobile, AL | 1 | $ 255,000 | $ 255,000 | $ 138,000 |
| New Orleans-Metairie, LA | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Ocala, FL | 1 | $ 85,000 | $ 85,000 | $ 132,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 555,000 | $ 555,000 | $ 242,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 505,000 | $ 505,000 | $ 267,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 105,000 | $ 105,000 | $ 164,000 |
| Portland-South Portland, ME | 1 | $ 595,000 | $ 595,000 | $ 479,000 |
| Racine, WI | 1 | $ 505,000 | $ 505,000 | $ 544,000 |
| Roanoke, VA | 1 | $ 305,000 | $ 305,000 | $ 153,000 |
| Salinas, CA | 1 | $ 305,000 | $ 305,000 | $ 210,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 395,000 | $ 395,000 | $ 178,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 505,000 | $ 505,000 | $ 443,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 305,000 | $ 305,000 | $ 251,000 |
| Santa Rosa, CA | 1 | $ 505,000 | $ 505,000 | $ 282,000 |
| Springfield, MA | 1 | $ 135,000 | $ 135,000 | $ 182,000 |
| Sumter, SC | 1 | $ 95,000 | $ 95,000 | $ 113,000 |
| Topeka, KS | 1 | $ 425,000 | $ 425,000 | $ 176,000 |
| Traverse City, MI | 1 | $ 145,000 | $ 145,000 | $ 158,000 |
| Tuscaloosa, AL | 1 | $ 65,000 | $ 65,000 | $ 112,000 |
| Vallejo-Fairfield, CA | 1 | $ 105,000 | $ 105,000 | $ 174,000 |
| Walla Walla, WA | 1 | $ 755,000 | $ 755,000 | $ 295,000 |
| Washington, DC-MD | 1 | $ 35,000 | $ 35,000 | $ 235,000 |
| Waterbury-Shelton, CT | 1 | $ 205,000 | $ 205,000 | $ 126,000 |
| Wilmington, NC | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Yakima, WA | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Georgia's Own Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other Purpose | 1,980 | $400,985,000 | $202,000 | $1,305,000 | $214,000 | $6,000,000 |
| Home Improvement | 1,867 | $236,725,000 | $126,000 | $2,505,000 | $166,000 | $9,512,000 |
| Home Purchase | 825 | $304,895,000 | $369,000 | $1,955,000 | $222,000 | $1,538,000 |
| Refinancing | 539 | $209,965,000 | $389,000 | $3,295,000 | $251,000 | $1,820,000 |
| Cash-out Refinancing | 173 | $43,765,000 | $252,000 | $4,005,000 | $144,000 | $1,250,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,922 | $680,870,000 | $233,000 | $4,005,000 | $217,000 | $5,151,000 |
| Black or African American | 1,004 | $121,220,000 | $120,000 | $1,955,000 | $122,000 | $2,500,000 |
| Not Provided | 672 | $161,825,000 | $241,000 | $2,305,000 | $213,000 | $6,000,000 |
| Hispanic | 356 | $78,550,000 | $220,000 | $1,005,000 | $199,000 | $5,962,000 |
| Asian | 347 | $132,815,000 | $382,000 | $1,615,000 | $238,000 | $3,066,000 |
| American Indian or Alaskan Native | 39 | $6,875,000 | $176,000 | $755,000 | $391,000 | $9,512,000 |
| Not applicable | 30 | $11,040,000 | $368,000 | $1,605,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 14 | $3,140,000 | $224,000 | $735,000 | $159,000 | $443,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,368 | $1,194,165,000 | $222,000 | $4,005,000 | $200,000 | $9,512,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,875,000 | $125,000 | $385,000 | $78,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $295,000 | $295,000 | $295,000 | $60,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,316 | $602,460,000 | $260,000 | $3,295,000 | $241,000 | $5,962,000 |
| Application Denied By Financial Institution | 1,449 | $234,330,000 | $161,000 | $1,025,000 | $144,000 | $2,000,000 |
| Application Withdrawn By Applicant | 827 | $169,535,000 | $205,000 | $1,615,000 | $200,000 | $9,512,000 |
| File Closed For Incompleteness | 645 | $157,235,000 | $243,000 | $4,005,000 | $184,000 | $2,500,000 |
| Application Approved But Not Accepted | 147 | $32,775,000 | $222,000 | $1,035,000 | $186,000 | $1,087,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 3,935 | $962,005,000 | $244,000 | $4,005,000 | $221,000 | $9,512,000 |
| Debt-To-Income Ratio | 581 | $129,135,000 | $222,000 | $1,025,000 | $126,000 | $784,000 |
| Other | 449 | $57,735,000 | $128,000 | $1,005,000 | $159,000 | $1,922,000 |
| Credit History | 295 | $28,540,000 | $97,000 | $805,000 | $132,000 | $2,000,000 |
| Collateral | 90 | $14,060,000 | $156,000 | $755,000 | $229,000 | $1,212,000 |
| Unverifiable Information | 19 | $2,595,000 | $136,000 | $405,000 | $164,000 | $855,000 |
| Credit Application Incomplete | 11 | $1,295,000 | $117,000 | $395,000 | $87,000 | $140,000 |
| Employment History | 3 | $615,000 | $205,000 | $345,000 | $46,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $355,000 | $355,000 | $355,000 | $120,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Georgia's Own Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Georgia's Own Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
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