SRP Federal Credit Union in Georgia vs the state
18.2%Denial rate-1.06 pts vs state
22.4%Decision denial rate-2.66 pts vs state
60.5%Origination rate+6.39 pts vs state
6.25%Median rate-0.38 pts vs state
0.05Rate spread (pts)-0.22 pts vs state
$86kMedian applicant income
303Loans originated
91Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 387 | 251 | 16.8% | 6.38% | #154 |
| 2024 | 413 | 281 | 19.1% | 6.50% | #156 |
| 2025 | 501 | 303 | 18.2% | 6.25% | #152 |
What SRP Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most SRP Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Columbia County | 196 | 128 | 34 | 17.3% |
| Richmond County | 189 | 101 | 35 | 18.5% |
| McDuffie County | 26 | 15 | 8 | 30.8% |
| Burke County | 25 | 17 | 2 | 8.0% |
| Lincoln County | 18 | 12 | 3 | 16.7% |
| Warren County | 10 | 7 | 3 | 30.0% |
| Jefferson County | 9 | 7 | 1 | 11.1% |
| Fulton County | 5 | 3 | 1 | 20.0% |
| Chatham County | 3 | 3 | 0 | 0.0% |
| Newton County | 2 | 1 | 1 | 50.0% |
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: 501 applications in 2025, of which 303 were originated and 91 denied.
18.2% of all applications, or 22.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans SRP Federal Credit Union originated in Georgia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are SRP 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