JUSTICE Federal Credit Union in Georgia vs the state
28.9%Denial rate+9.63 pts vs state
37.5%Decision denial rate+12.43 pts vs state
38.5%Origination rate-15.63 pts vs state
8.13%Median rate+1.50 pts vs state
1.99Rate spread (pts)+1.72 pts vs state
$110kMedian applicant income
20Loans originated
15Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 54 | 20 | 27.8% | 8.25% | #408 |
| 2024 | 42 | 23 | 28.6% | 9.00% | #451 |
| 2025 | 52 | 20 | 28.9% | 8.13% | #432 |
What JUSTICE Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most JUSTICE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 4 | 2 | 0 | 0.0% |
| Gwinnett County | 4 | 1 | 1 | 25.0% |
| Barrow County | 3 | 1 | 2 | 66.7% |
| Paulding County | 3 | 0 | 1 | 33.3% |
| Cherokee County | 3 | 1 | 1 | 33.3% |
| Carroll County | 3 | 0 | 1 | 33.3% |
| Lee County | 2 | 2 | 0 | 0.0% |
| Cobb County | 2 | 1 | 0 | 0.0% |
| Coweta County | 2 | 2 | 0 | 0.0% |
| Monroe County | 2 | 1 | 1 | 50.0% |
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: 52 applications in 2025, of which 20 were originated and 15 denied.
28.9% 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 JUSTICE Federal Credit Union originated in Georgia in 2025 was 8.13%, against a statewide median of 6.63%.
About this data. Figures are JUSTICE 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