Southwest Airlines Federal Credit Union in Georgia vs the state
60.0%Denial rate+40.78 pts vs state
60.0%Decision denial rate+34.93 pts vs state
40.0%Origination rate-14.09 pts vs state
5.75%Median rate-0.88 pts vs state
-0.33Rate spread (pts)-0.60 pts vs state
$100kMedian applicant income
10Loans originated
15Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 18 | 35.7% | 5.38% | #505 |
| 2024 | 27 | 17 | 37.0% | 5.75% | #527 |
| 2025 | 25 | 10 | 60.0% | 5.75% | #543 |
What Southwest Airlines Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Southwest Airlines Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 4 | 1 | 3 | 75.0% |
| Henry County | 4 | 1 | 3 | 75.0% |
| Fulton County | 4 | 0 | 4 | 100.0% |
| Hall County | 2 | 1 | 1 | 50.0% |
| Gwinnett County | 2 | 0 | 2 | 100.0% |
| Coweta County | 2 | 2 | 0 | 0.0% |
| Forsyth County | 1 | 0 | 1 | 100.0% |
| Clarke County | 1 | 1 | 0 | 0.0% |
| Bibb County | 1 | 0 | 1 | 100.0% |
| Cherokee County | 1 | 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: 25 applications in 2025, of which 10 were originated and 15 denied.
60.0% of all applications, or 60.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Southwest Airlines Federal Credit Union originated in Georgia in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Southwest Airlines 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