Allegacy Federal Credit Union in Georgia vs the state
13.9%Denial rate-5.33 pts vs state
17.5%Decision denial rate-7.53 pts vs state
63.9%Origination rate+9.80 pts vs state
5.75%Median rate-0.88 pts vs state
-1.45Rate spread (pts)-1.71 pts vs state
$175kMedian applicant income
46Loans originated
10Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 116 | 73 | 17.2% | 1.99% | #287 |
| 2024 | 77 | 48 | 15.6% | 5.75% | #370 |
| 2025 | 72 | 46 | 13.9% | 5.75% | #388 |
What Allegacy Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Allegacy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 12 | 10 | 0 | 0.0% |
| Cobb County | 11 | 9 | 2 | 18.2% |
| Jackson County | 6 | 3 | 1 | 16.7% |
| Gwinnett County | 6 | 2 | 2 | 33.3% |
| Forsyth County | 6 | 5 | 0 | 0.0% |
| Cherokee County | 5 | 5 | 0 | 0.0% |
| Spalding County | 3 | 1 | 0 | 0.0% |
| Columbia County | 3 | 1 | 0 | 0.0% |
| Paulding County | 2 | 1 | 0 | 0.0% |
| Tift County | 2 | 0 | 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: 72 applications in 2025, of which 46 were originated and 10 denied.
13.9% of all applications, or 17.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Allegacy Federal Credit Union originated in Georgia in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Allegacy Federal 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