Associated Credit Union
Associated Credit Union received 1,790 applications in 2025 and made 1,161 mortgages, in 121 counties across 11 states. The median rate its borrowers got was 6.875% on a median loan of $155,000. Of 1,507 decisions, 341 were denials — 22.6%, most often for debt-to-income ratio. 194 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900132A3VX6LLZU43 |
|---|---|
| Applications received | 1,790 |
| Mortgages made | 1,161 |
| Denied | 341 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 283 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.16 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 453 | 5.625% | $365,000 | 13.2% |
| Refinancing | 195 | 5.500% | $275,000 | 5.3% |
| Cash-out refinancing | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 507 | 7.500% | $65,000 | 33.5% |
Where Associated Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Gwinnett County, GA | 250 | 7.500% | 16.3% |
| Fulton County, GA | 144 | 5.750% | 10.6% |
| DeKalb County, GA | 140 | 7.250% | 15.1% |
| Cobb County, GA | 113 | 7.125% | 8.9% |
| Forsyth County, GA | 61 | 5.750% | 10.1% |
| Cherokee County, GA | 45 | 5.625% | 4.3% |
| Hall County, GA | 37 | 7.500% | 19.6% |
| Columbia County, GA | 35 | 7.250% | 14.6% |
| Carroll County, GA | 29 | 7.500% | 12.1% |
| Walton County, GA | 25 | 6.750% | 0.0% |
| Henry County, GA | 23 | 7.250% | 30.3% |
| Jackson County, GA | 23 | 7.000% | 11.5% |
| Barrow County, GA | 19 | 6.750% | 24.0% |
| Richmond County, GA | 18 | 7.375% | 10.0% |
| Clayton County, GA | 14 | 7.125% | 22.2% |
| Dawson County, GA | 14 | 7.000% | 16.7% |
| Douglas County, GA | 9 | Under 10 loans | 43.8% |
| Newton County, GA | 9 | Under 10 loans | 18.2% |
| Lumpkin County, GA | 8 | Under 10 loans | 11.1% |
| Paulding County, GA | 8 | Under 10 loans | 11.1% |
| Rockdale County, GA | 8 | Under 10 loans | 38.5% |
| Aiken County, SC | 8 | Under 10 loans | 0.0% |
| Bartow County, GA | 6 | Under 10 loans | 14.3% |
| Haralson County, GA | 6 | Under 10 loans | 0.0% |
| Fayette County, GA | 5 | Under 10 loans | 28.6% |
| Habersham County, GA | 5 | Under 10 loans | 0.0% |
| Coweta County, GA | 4 | Under 10 loans | 20.0% |
| Oconee County, GA | 4 | Under 10 loans | 0.0% |
| Madison County, AL | 3 | Under 10 loans | 25.0% |
| Sumter County, FL | 3 | Under 10 loans | 0.0% |
| Gilmer County, GA | 3 | Under 10 loans | 0.0% |
| Pickens County, GA | 3 | Under 10 loans | 0.0% |
| White County, GA | 3 | Under 10 loans | 25.0% |
| Greenville County, SC | 3 | Under 10 loans | 0.0% |
| Davidson County, TN | 3 | Under 10 loans | 0.0% |
| Pinellas County, FL | 2 | Under 10 loans | 0.0% |
| Baldwin County, GA | 2 | Under 10 loans | 0.0% |
| Bibb County, GA | 2 | Under 10 loans | 50.0% |
| Floyd County, GA | 2 | Under 10 loans | 0.0% |
| Glynn County, GA | 2 | Under 10 loans | 0.0% |
| Morgan County, GA | 2 | Under 10 loans | 0.0% |
| Spalding County, GA | 2 | Under 10 loans | 0.0% |
| New Hanover County, NC | 2 | Under 10 loans | 0.0% |
| Beaufort County, SC | 2 | Under 10 loans | 0.0% |
| Hamilton County, TN | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.