Credit Union of Georgia at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
14th24.6% deniedPricingmedian rate spread over APOR, weight 30%
17th0.55 ptsProcesswithdrawn + incomplete share, weight 15%
85th8.9%Closing coststotal loan costs ÷ loan amount, weight 10%
99th0.23% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,239 | 942 | 14.5% | 15.4% | 8.25% | $100M |
| 2024 | 1,258 | 936 | 19.2% | 20.1% | 8.25% | $110M |
| 2025 | 1,484 | 951 | 22.4% | 24.6% | 7.25% | $120M |
What Credit Union of Georgia lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 517 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 9 investment properties.
Why Credit Union of Georgia denies applications
Primary reason reported for each of the 333 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Credit Union of Georgia
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 115 | 40 | 58.3% |
| $50k – $100k | 398 | 226 | 32.1% |
| $100k – $150k | 396 | 276 | 19.2% |
| $150k – $250k | 399 | 291 | 16.2% |
| Over $250k | 164 | 111 | 15.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 150 | 74 | 33.9% |
| 35–44 | 294 | 181 | 27.6% |
| 45–54 | 424 | 272 | 26.5% |
| 55–64 | 321 | 204 | 25.5% |
| 65–74 | 203 | 156 | 12.9% |
| Over 74 | 87 | 64 | 15.0% |
Where Credit Union of Georgia lends
9 states and 73 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Credit Union of Georgia denied 24.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 14th percentile of mid-size mortgage lenders.
The most common reason Credit Union of Georgia gave in 2025 was "debt-to-income ratio", cited on 36.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Credit Union of Georgia originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.55 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 11% of its applications were for home purchases, 13% for refinancing (including cash-out), and 76% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.