Kinetic Federal Credit Union in Georgia vs the state
30.1%Denial rate+10.89 pts vs state
33.7%Decision denial rate+8.66 pts vs state
49.5%Origination rate-4.63 pts vs state
7.20%Median rate+0.58 pts vs state
1.44Rate spread (pts)+1.17 pts vs state
$96kMedian applicant income
46Loans originated
28Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 57 | 26.9% | 7.46% | #327 |
| 2024 | 107 | 69 | 25.2% | — | #319 |
| 2025 | 93 | 46 | 30.1% | 7.20% | #350 |
What Kinetic Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Kinetic Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Muscogee County | 70 | 33 | 23 | 32.9% |
| Harris County | 17 | 12 | 3 | 17.6% |
| Talbot County | 2 | 1 | 0 | 0.0% |
| Liberty County | 1 | 0 | 0 | 0.0% |
| Cobb County | 1 | 0 | 0 | 0.0% |
| Marion County | 1 | 0 | 1 | 100.0% |
| Meriwether 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: 93 applications in 2025, of which 46 were originated and 28 denied.
30.1% of all applications, or 33.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Kinetic Federal Credit Union originated in Georgia in 2025 was 7.20%, against a statewide median of 6.63%.
About this data. Figures are Kinetic 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