Lafayette Federal Credit Union in Georgia vs the state
6.5%Denial rate-12.77 pts vs state
7.4%Decision denial rate-17.66 pts vs state
80.7%Origination rate+26.56 pts vs state
8.00%Median rate+1.38 pts vs state
0.74Rate spread (pts)+0.47 pts vs state
$228kMedian applicant income
25Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 7 | 29.4% | 8.50% | #576 |
| 2024 | 49 | 32 | 22.5% | 9.00% | #434 |
| 2025 | 31 | 25 | 6.5% | 8.00% | #516 |
What Lafayette Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Lafayette Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 11 | 8 | 0 | 0.0% |
| Cobb County | 3 | 3 | 0 | 0.0% |
| Hall County | 2 | 2 | 0 | 0.0% |
| Cherokee County | 2 | 2 | 0 | 0.0% |
| DeKalb County | 2 | 0 | 2 | 100.0% |
| Paulding County | 1 | 1 | 0 | 0.0% |
| Gwinnett County | 1 | 1 | 0 | 0.0% |
| Fannin County | 1 | 1 | 0 | 0.0% |
| Henry County | 1 | 1 | 0 | 0.0% |
| Houston 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: 31 applications in 2025, of which 25 were originated and 2 denied.
6.5% of all applications, or 7.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Lafayette Federal Credit Union originated in Georgia in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Lafayette 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