Credit Human Federal Credit Union in Georgia vs the state
78.6%Denial rate+59.37 pts vs state
78.6%Decision denial rate+53.52 pts vs state
9.3%Origination rate-44.79 pts vs state
8.30%Median rate+1.68 pts vs state
2.21Rate spread (pts)+1.94 pts vs state
$64kMedian applicant income
33Loans originated
279Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 534 | 17 | 87.1% | 7.70% | #123 |
| 2024 | 465 | 15 | 87.1% | 8.50% | #146 |
| 2025 | 355 | 33 | 78.6% | 8.30% | #189 |
What Credit Human Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Murray County | 29 | 1 | 26 | 89.7% |
| Lowndes County | 21 | 1 | 18 | 85.7% |
| Walker County | 20 | 0 | 18 | 90.0% |
| Whitfield County | 20 | 0 | 20 | 100.0% |
| Stephens County | 15 | 0 | 14 | 93.3% |
| Gilmer County | 12 | 0 | 10 | 83.3% |
| Colquitt County | 11 | 2 | 4 | 36.4% |
| Gordon County | 11 | 0 | 9 | 81.8% |
| Pickens County | 10 | 0 | 9 | 90.0% |
| Franklin County | 10 | 0 | 8 | 80.0% |
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: 355 applications in 2025, of which 33 were originated and 279 denied.
78.6% of all applications, or 78.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Credit Human Federal Credit Union originated in Georgia in 2025 was 8.30%, against a statewide median of 6.63%.
About this data. Figures are Credit Human 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