Interstate Credit Union in Georgia vs the state
22.0%Denial rate+2.77 pts vs state
27.8%Decision denial rate+2.74 pts vs state
51.3%Origination rate-2.78 pts vs state
7.50%Median rate+0.88 pts vs state
—Rate spread (pts)
$58kMedian applicant income
98Loans originated
42Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 220 | 129 | 16.8% | 8.00% | #211 |
| 2024 | 185 | 96 | 23.2% | 8.50% | #243 |
| 2025 | 191 | 98 | 22.0% | 7.50% | #255 |
What Interstate Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Interstate Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 64 | 36 | 14 | 21.9% |
| Jeff Davis County | 30 | 16 | 6 | 20.0% |
| Appling County | 25 | 14 | 6 | 24.0% |
| Liberty County | 11 | 5 | 1 | 9.1% |
| Coffee County | 11 | 3 | 6 | 54.5% |
| Brantley County | 6 | 3 | 2 | 33.3% |
| Bacon County | 6 | 2 | 1 | 16.7% |
| Pierce County | 6 | 3 | 0 | 0.0% |
| Telfair County | 4 | 0 | 1 | 25.0% |
| Ware County | 4 | 3 | 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: 191 applications in 2025, of which 98 were originated and 42 denied.
22.0% of all applications, or 27.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Interstate Credit Union originated in Georgia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Interstate 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