Navy Federal Credit Union in Georgia vs the state
26.4%Denial rate+7.17 pts vs state
38.4%Decision denial rate+13.36 pts vs state
41.3%Origination rate-12.78 pts vs state
7.95%Median rate+1.33 pts vs state
1.11Rate spread (pts)+0.84 pts vs state
$106kMedian applicant income
5,118Loans originated
3,269Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13,242 | 5,058 | 34.7% | 8.25% | #3 |
| 2024 | 13,303 | 5,575 | 27.5% | 8.75% | #3 |
| 2025 | 12,388 | 5,118 | 26.4% | 7.95% | #3 |
What Navy Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 1,192 | 444 | 364 | 30.5% |
| Gwinnett County | 1,059 | 416 | 309 | 29.2% |
| Cobb County | 922 | 407 | 211 | 22.9% |
| DeKalb County | 825 | 304 | 251 | 30.4% |
| Henry County | 590 | 227 | 163 | 27.6% |
| Chatham County | 461 | 180 | 128 | 27.8% |
| Columbia County | 453 | 215 | 91 | 20.1% |
| Clayton County | 449 | 153 | 150 | 33.4% |
| Camden County | 391 | 206 | 68 | 17.4% |
| Cherokee County | 310 | 164 | 43 | 13.9% |
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% |
| 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% |
| Newrez | D | 7,880 | 21.5% | 6.63% |
Frequently asked questions
Georgia: 12,388 applications in 2025, of which 5,118 were originated and 3,269 denied.
26.4% of all applications, or 38.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Navy Federal Credit Union originated in Georgia in 2025 was 7.95%, against a statewide median of 6.63%.
About this data. Figures are Navy 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