PROPONENT Federal Credit Union in Georgia vs the state
33.3%Denial rate+14.11 pts vs state
40.0%Decision denial rate+14.93 pts vs state
50.0%Origination rate-4.09 pts vs state
7.00%Median rate+0.38 pts vs state
0.96Rate spread (pts)+0.69 pts vs state
$148kMedian applicant income
3Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 4 | 9.1% | 7.81% | #643 |
| 2024 | 5 | 2 | 20.0% | 7.63% | #781 |
| 2025 | 6 | 3 | 33.3% | 7.00% | #746 |
What PROPONENT Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most PROPONENT Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brantley County | 1 | 0 | 1 | 100.0% |
| Fulton County | 1 | 1 | 0 | 0.0% |
| Rockdale County | 1 | 0 | 1 | 100.0% |
| DeKalb County | 1 | 1 | 0 | 0.0% |
| Cobb County | 1 | 1 | 0 | 0.0% |
| Gwinnett County | 1 | 0 | 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: 6 applications in 2025, of which 3 were originated and 2 denied.
33.3% of all applications, or 40.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans PROPONENT Federal Credit Union originated in Georgia in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are PROPONENT 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