Advancial Credit Union in Georgia vs the state
26.7%Denial rate+7.45 pts vs state
30.8%Decision denial rate+5.70 pts vs state
53.3%Origination rate-0.76 pts vs state
7.31%Median rate+0.69 pts vs state
0.98Rate spread (pts)+0.71 pts vs state
$160kMedian applicant income
8Loans originated
4Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 5 | 14.3% | 8.50% | #731 |
| 2024 | 8 | 5 | 12.5% | 7.50% | #677 |
| 2025 | 15 | 8 | 26.7% | 7.31% | #613 |
What Advancial Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Advancial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 3 | 2 | 1 | 33.3% |
| Pickens County | 1 | 1 | 0 | 0.0% |
| Henry County | 1 | 0 | 0 | 0.0% |
| Barrow County | 1 | 1 | 0 | 0.0% |
| Floyd County | 1 | 1 | 0 | 0.0% |
| Stephens County | 1 | 1 | 0 | 0.0% |
| Hall County | 1 | 0 | 1 | 100.0% |
| Towns County | 1 | 0 | 1 | 100.0% |
| Union County | 1 | 0 | 0 | 0.0% |
| Gwinnett County | 1 | 1 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 15 applications in 2025, of which 8 were originated and 4 denied.
26.7% of all applications, or 30.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Advancial Credit Union originated in Georgia in 2025 was 7.31%, against a statewide median of 6.63%.
About this data. Figures are Advancial Credit Union's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology