Service Federal Credit Union in Georgia vs the state
24.1%Denial rate+4.92 pts vs state
32.3%Decision denial rate+7.24 pts vs state
47.1%Origination rate-6.96 pts vs state
6.49%Median rate-0.13 pts vs state
-0.56Rate spread (pts)-0.83 pts vs state
$161kMedian applicant income
41Loans originated
21Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 20 | 37.2% | 5.88% | #438 |
| 2024 | 30 | 15 | 43.3% | 6.50% | #508 |
| 2025 | 87 | 41 | 24.1% | 6.49% | #357 |
What Service Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Forsyth County | 32 | 17 | 4 | 12.5% |
| Cobb County | 6 | 4 | 2 | 33.3% |
| Columbia County | 5 | 2 | 3 | 60.0% |
| Fulton County | 5 | 1 | 3 | 60.0% |
| Chatham County | 4 | 2 | 1 | 25.0% |
| Liberty County | 4 | 0 | 3 | 75.0% |
| Gwinnett County | 3 | 1 | 0 | 0.0% |
| Richmond County | 3 | 1 | 0 | 0.0% |
| Effingham County | 3 | 3 | 0 | 0.0% |
| Cherokee County | 2 | 1 | 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: 87 applications in 2025, of which 41 were originated and 21 denied.
24.1% of all applications, or 32.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Service Federal Credit Union originated in Georgia in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Service 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