Utilities Employees Credit Union in Georgia vs the state
11.1%Denial rate-8.11 pts vs state
16.7%Decision denial rate-8.40 pts vs state
55.6%Origination rate+1.47 pts vs state
6.99%Median rate+0.37 pts vs state
0.65Rate spread (pts)+0.38 pts vs state
$134kMedian applicant income
5Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 11 | 0.0% | 6.50% | #615 |
| 2024 | 20 | 15 | 10.0% | 6.99% | #556 |
| 2025 | 9 | 5 | 11.1% | 6.99% | #686 |
What Utilities Employees Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Utilities Employees Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 1 | 1 | 0 | 0.0% |
| Lamar County | 1 | 0 | 1 | 100.0% |
| Crisp County | 1 | 0 | 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: 9 applications in 2025, of which 5 were originated and 1 denied.
11.1% of all applications, or 16.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Utilities Employees Credit Union originated in Georgia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Utilities Employees 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