Usalliance Federal Credit Union in Georgia vs the state
14.3%Denial rate-4.93 pts vs state
16.9%Decision denial rate-8.19 pts vs state
67.0%Origination rate+12.94 pts vs state
8.00%Median rate+1.38 pts vs state
1.30Rate spread (pts)+1.03 pts vs state
$205kMedian applicant income
61Loans originated
13Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 27 | 23.3% | 9.25% | #397 |
| 2024 | 53 | 36 | 9.4% | 9.50% | #425 |
| 2025 | 91 | 61 | 14.3% | 8.00% | #353 |
What Usalliance Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 29 | 17 | 6 | 20.7% |
| Cobb County | 12 | 9 | 1 | 8.3% |
| DeKalb County | 10 | 7 | 0 | 0.0% |
| Forsyth County | 6 | 4 | 1 | 16.7% |
| Gwinnett County | 4 | 3 | 1 | 25.0% |
| Carroll County | 4 | 3 | 1 | 25.0% |
| Paulding County | 2 | 1 | 1 | 50.0% |
| Coweta County | 2 | 1 | 0 | 0.0% |
| Columbia County | 2 | 2 | 0 | 0.0% |
| Gordon County | 2 | 2 | 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: 91 applications in 2025, of which 61 were originated and 13 denied.
14.3% of all applications, or 16.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Usalliance Federal Credit Union originated in Georgia in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Usalliance 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