Elements Financial Federal Credit Union in Georgia vs the state
35.3%Denial rate+16.07 pts vs state
37.5%Decision denial rate+12.43 pts vs state
58.8%Origination rate+4.73 pts vs state
4.99%Median rate-1.63 pts vs state
-2.33Rate spread (pts)-2.59 pts vs state
$137kMedian applicant income
10Loans originated
6Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 17 | 32.4% | 3.99% | #472 |
| 2024 | 27 | 15 | 29.6% | 6.50% | #523 |
| 2025 | 17 | 10 | 35.3% | 4.99% | #589 |
What Elements Financial Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Elements Financial Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 4 | 1 | 2 | 50.0% |
| Gwinnett County | 2 | 1 | 1 | 50.0% |
| Cherokee County | 2 | 1 | 1 | 50.0% |
| Paulding County | 2 | 2 | 0 | 0.0% |
| Effingham County | 1 | 1 | 0 | 0.0% |
| Greene County | 1 | 1 | 0 | 0.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
| Camden County | 1 | 0 | 1 | 100.0% |
| DeKalb County | 1 | 1 | 0 | 0.0% |
| Richmond County | 1 | 0 | 1 | 100.0% |
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: 17 applications in 2025, of which 10 were originated and 6 denied.
35.3% of all applications, or 37.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Elements Financial Federal Credit Union originated in Georgia in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Elements Financial 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