Credit Union 1 in Georgia vs the state
21.8%Denial rate+2.58 pts vs state
31.2%Decision denial rate+6.11 pts vs state
47.4%Origination rate-6.72 pts vs state
5.99%Median rate-0.63 pts vs state
0.87Rate spread (pts)+0.60 pts vs state
$111kMedian applicant income
63Loans originated
29Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 231 | 61 | 42.0% | 9.00% | #206 |
| 2024 | 158 | 49 | 31.0% | 8.50% | #263 |
| 2025 | 133 | 63 | 21.8% | 5.99% | #295 |
What Credit Union 1 lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Credit Union 1 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 52 | 27 | 8 | 15.4% |
| Fulton County | 25 | 12 | 7 | 28.0% |
| Gwinnett County | 22 | 9 | 4 | 18.2% |
| Cobb County | 10 | 4 | 2 | 20.0% |
| Newton County | 6 | 4 | 0 | 0.0% |
| Rockdale County | 3 | 2 | 0 | 0.0% |
| Fayette County | 3 | 1 | 2 | 66.7% |
| Clayton County | 3 | 1 | 2 | 66.7% |
| Cherokee County | 3 | 1 | 2 | 66.7% |
| Forsyth County | 2 | 1 | 1 | 50.0% |
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: 133 applications in 2025, of which 63 were originated and 29 denied.
21.8% of all applications, or 31.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Credit Union 1 originated in Georgia in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Credit Union 1'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