Georgia Heritage Federal Credit Union in Georgia vs the state
11.0%Denial rate-8.22 pts vs state
13.6%Decision denial rate-11.49 pts vs state
70.0%Origination rate+15.91 pts vs state
7.50%Median rate+0.88 pts vs state
—Rate spread (pts)
$90kMedian applicant income
70Loans originated
11Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 62 | 24.2% | 8.50% | #318 |
| 2024 | 71 | 46 | 15.5% | 8.50% | #384 |
| 2025 | 100 | 70 | 11.0% | 7.50% | #336 |
What Georgia Heritage Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Georgia Heritage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chatham County | 45 | 29 | 7 | 15.6% |
| Effingham County | 35 | 29 | 2 | 5.7% |
| Bryan County | 12 | 8 | 1 | 8.3% |
| Bulloch County | 3 | 2 | 0 | 0.0% |
| Screven County | 2 | 0 | 1 | 50.0% |
| Cobb County | 1 | 1 | 0 | 0.0% |
| Liberty County | 1 | 0 | 0 | 0.0% |
| Evans County | 1 | 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: 100 applications in 2025, of which 70 were originated and 11 denied.
11.0% of all applications, or 13.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Georgia Heritage Federal Credit Union originated in Georgia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Georgia Heritage 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