Peach State Federal Credit Union in Georgia vs the state
24.2%Denial rate+4.95 pts vs state
31.3%Decision denial rate+6.18 pts vs state
51.9%Origination rate-2.18 pts vs state
6.63%Median rate0.00 pts vs state
-0.49Rate spread (pts)-0.76 pts vs state
$104kMedian applicant income
204Loans originated
95Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 395 | 230 | 19.5% | 7.25% | #150 |
| 2024 | 398 | 212 | 23.6% | 7.75% | #159 |
| 2025 | 393 | 204 | 24.2% | 6.63% | #169 |
What Peach State Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Peach State Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 119 | 68 | 25 | 21.0% |
| Walton County | 37 | 22 | 7 | 18.9% |
| DeKalb County | 28 | 10 | 11 | 39.3% |
| Barrow County | 28 | 18 | 6 | 21.4% |
| Jackson County | 19 | 12 | 1 | 5.3% |
| Fulton County | 17 | 8 | 5 | 29.4% |
| Stephens County | 16 | 7 | 5 | 31.3% |
| Habersham County | 15 | 10 | 3 | 20.0% |
| Clarke County | 12 | 6 | 4 | 33.3% |
| Oconee County | 10 | 3 | 3 | 30.0% |
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: 393 applications in 2025, of which 204 were originated and 95 denied.
24.2% of all applications, or 31.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Peach State Federal Credit Union originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Peach State 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