MyGeorgia Credit Union in Georgia vs the state
36.5%Denial rate+17.27 pts vs state
38.3%Decision denial rate+13.23 pts vs state
58.8%Origination rate+4.69 pts vs state
7.50%Median rate+0.88 pts vs state
1.22Rate spread (pts)+0.95 pts vs state
$94kMedian applicant income
87Loans originated
54Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 62 | 37 | 30.7% | 9.00% | #392 |
| 2024 | 33 | 16 | 42.4% | 7.38% | #486 |
| 2025 | 148 | 87 | 36.5% | 7.50% | #285 |
What MyGeorgia Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most MyGeorgia Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hall County | 60 | 29 | 28 | 46.7% |
| Habersham County | 18 | 11 | 4 | 22.2% |
| Banks County | 13 | 9 | 4 | 30.8% |
| Jackson County | 12 | 8 | 4 | 33.3% |
| White County | 11 | 9 | 2 | 18.2% |
| Madison County | 4 | 4 | 0 | 0.0% |
| Forsyth County | 4 | 2 | 2 | 50.0% |
| Lumpkin County | 4 | 2 | 2 | 50.0% |
| Stephens County | 3 | 1 | 2 | 66.7% |
| Clarke County | 3 | 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: 148 applications in 2025, of which 87 were originated and 54 denied.
36.5% of all applications, or 38.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans MyGeorgia Credit Union originated in Georgia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are MyGeorgia 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