Peach State Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
31st30.7% deniedPricingmedian rate spread over APOR, weight 30%
78th-0.49 ptsProcesswithdrawn + incomplete share, weight 15%
8th23.1%Closing coststotal loan costs ÷ loan amount, weight 10%
5th6.51% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 413 | 237 | 19.4% | 24.5% | 7.25% | $31M |
| 2024 | 421 | 225 | 23.3% | 30.0% | 7.75% | $28M |
| 2025 | 411 | 212 | 23.6% | 30.7% | 6.31% | $33M |
What Peach State Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 212 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 2 investment properties.
Why Peach State Federal Credit Union denies applications
Primary reason reported for each of the 97 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Peach State Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 36 | 5 | 82.1% |
| $50k – $100k | 157 | 70 | 35.1% |
| $100k – $150k | 111 | 64 | 25.0% |
| $150k – $250k | 82 | 57 | 13.4% |
| Over $250k | 20 | 12 | 14.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 45 | 17 | 33.3% |
| 35–44 | 65 | 44 | 18.5% |
| 45–54 | 110 | 59 | 28.2% |
| 55–64 | 105 | 52 | 38.4% |
| 65–74 | 56 | 27 | 31.7% |
| Over 74 | 27 | 10 | 41.2% |
Where Peach State Federal Credit Union lends
2 states and 49 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 393 | 204 | 24.2% | 6.63% | #169 |
| South Carolina | 18 | 8 | 11.1% | 5.81% | #465 |
Frequently asked questions
Peach State Federal Credit Union denied 30.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 31st percentile of home-equity (HELOC) lenders.
The most common reason Peach State Federal Credit Union gave in 2025 was "credit history", cited on 44.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Peach State Federal Credit Union originated in 2025 was 6.31%, and its median rate spread over the average prime offer rate was -0.49 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 10% of its applications were for home purchases, 26% for refinancing (including cash-out), and 64% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.