Credit Union Financial Services in Georgia vs the state
2.4%Denial rate-16.83 pts vs state
2.8%Decision denial rate-22.25 pts vs state
79.0%Origination rate+24.86 pts vs state
5.75%Median rate-0.88 pts vs state
-0.22Rate spread (pts)-0.49 pts vs state
$102kMedian applicant income
165Loans originated
5Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 148 | 121 | 2.0% | 6.13% | #259 |
| 2024 | 149 | 117 | 1.3% | 6.25% | #269 |
| 2025 | 209 | 165 | 2.4% | 5.75% | #241 |
What Credit Union Financial Services lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Credit Union Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bibb County | 22 | 18 | 0 | 0.0% |
| Fulton County | 22 | 14 | 2 | 9.1% |
| DeKalb County | 15 | 12 | 1 | 6.7% |
| Houston County | 12 | 10 | 0 | 0.0% |
| Hall County | 8 | 7 | 0 | 0.0% |
| Floyd County | 8 | 6 | 0 | 0.0% |
| Paulding County | 7 | 3 | 1 | 14.3% |
| Cobb County | 6 | 5 | 0 | 0.0% |
| Clarke County | 5 | 3 | 0 | 0.0% |
| Carroll County | 5 | 4 | 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: 209 applications in 2025, of which 165 were originated and 5 denied.
2.4% of all applications, or 2.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Credit Union Financial Services originated in Georgia in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Credit Union Financial Services'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