Associated Credit Union in Georgia vs the state
19.1%Denial rate-0.16 pts vs state
22.7%Decision denial rate-2.38 pts vs state
64.7%Origination rate+10.59 pts vs state
7.25%Median rate+0.63 pts vs state
0.16Rate spread (pts)-0.11 pts vs state
$116kMedian applicant income
1,106Loans originated
326Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,431 | 712 | 22.9% | 8.00% | #60 |
| 2024 | 1,703 | 982 | 17.6% | 7.75% | #53 |
| 2025 | 1,710 | 1,106 | 19.1% | 7.25% | #55 |
What Associated Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Associated Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 354 | 250 | 49 | 13.8% |
| DeKalb County | 194 | 140 | 25 | 12.9% |
| Fulton County | 190 | 144 | 17 | 8.9% |
| Cobb County | 141 | 113 | 11 | 7.8% |
| Forsyth County | 77 | 61 | 7 | 9.1% |
| Cherokee County | 56 | 45 | 2 | 3.6% |
| Hall County | 53 | 37 | 9 | 17.0% |
| Columbia County | 45 | 35 | 6 | 13.3% |
| Henry County | 43 | 23 | 10 | 23.3% |
| Carroll County | 39 | 29 | 4 | 10.3% |
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: 1,710 applications in 2025, of which 1,106 were originated and 326 denied.
19.1% of all applications, or 22.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Associated Credit Union originated in Georgia in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Associated 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