Empeople Credit Union in Georgia vs the state
25.4%Denial rate+6.13 pts vs state
31.0%Decision denial rate+5.96 pts vs state
53.5%Origination rate-0.57 pts vs state
6.49%Median rate-0.13 pts vs state
-0.37Rate spread (pts)-0.64 pts vs state
$128kMedian applicant income
38Loans originated
18Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 53 | 25.0% | 6.75% | #322 |
| 2024 | 76 | 54 | 9.2% | 6.62% | #374 |
| 2025 | 71 | 38 | 25.4% | 6.49% | #390 |
What Empeople Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Columbia County | 26 | 15 | 7 | 26.9% |
| Cherokee County | 8 | 5 | 0 | 0.0% |
| Gwinnett County | 4 | 3 | 1 | 25.0% |
| Richmond County | 3 | 2 | 1 | 33.3% |
| Fulton County | 3 | 1 | 1 | 33.3% |
| Tift County | 3 | 2 | 1 | 33.3% |
| Cobb County | 3 | 2 | 0 | 0.0% |
| Carroll County | 2 | 1 | 1 | 50.0% |
| Liberty County | 2 | 0 | 2 | 100.0% |
| Worth County | 2 | 1 | 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: 71 applications in 2025, of which 38 were originated and 18 denied.
25.4% of all applications, or 31.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Empeople Credit Union originated in Georgia in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Empeople 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