State Department Federal Credit Union in Georgia vs the state
39.3%Denial rate+20.07 pts vs state
47.8%Decision denial rate+22.76 pts vs state
42.9%Origination rate-11.23 pts vs state
6.99%Median rate+0.37 pts vs state
0.04Rate spread (pts)-0.23 pts vs state
$126kMedian applicant income
12Loans originated
11Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 16 | 34.5% | 7.50% | #497 |
| 2024 | 43 | 19 | 30.2% | 8.00% | #446 |
| 2025 | 28 | 12 | 39.3% | 6.99% | #529 |
What State Department Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most State Department Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 7 | 0 | 7 | 100.0% |
| Fulton County | 4 | 2 | 1 | 25.0% |
| Cobb County | 3 | 2 | 0 | 0.0% |
| Gilmer County | 2 | 1 | 1 | 50.0% |
| Henry County | 2 | 1 | 1 | 50.0% |
| Paulding County | 1 | 0 | 0 | 0.0% |
| Douglas County | 1 | 0 | 0 | 0.0% |
| Glynn County | 1 | 1 | 0 | 0.0% |
| Cherokee County | 1 | 1 | 0 | 0.0% |
| Forsyth 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: 28 applications in 2025, of which 12 were originated and 11 denied.
39.3% of all applications, or 47.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans State Department Federal Credit Union originated in Georgia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are State Department 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