Tennessee Valley FCU in Georgia vs the state
25.7%Denial rate+6.47 pts vs state
32.3%Decision denial rate+7.23 pts vs state
53.2%Origination rate-0.86 pts vs state
6.38%Median rate-0.25 pts vs state
0.32Rate spread (pts)+0.05 pts vs state
$89kMedian applicant income
346Loans originated
167Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 631 | 381 | 22.4% | 7.75% | #106 |
| 2024 | 578 | 320 | 27.9% | 8.50% | #132 |
| 2025 | 650 | 346 | 25.7% | 6.38% | #128 |
What Tennessee Valley FCU lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Tennessee Valley FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Catoosa County | 259 | 146 | 60 | 23.2% |
| Walker County | 184 | 94 | 51 | 27.7% |
| Whitfield County | 84 | 37 | 31 | 36.9% |
| Dade County | 49 | 28 | 10 | 20.4% |
| Murray County | 39 | 27 | 5 | 12.8% |
| Chattooga County | 11 | 5 | 3 | 27.3% |
| Gordon County | 4 | 2 | 1 | 25.0% |
| Floyd County | 4 | 2 | 0 | 0.0% |
| Cobb County | 3 | 2 | 0 | 0.0% |
| Fulton County | 3 | 1 | 1 | 33.3% |
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: 650 applications in 2025, of which 346 were originated and 167 denied.
25.7% 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 Tennessee Valley FCU originated in Georgia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Tennessee Valley FCU'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