CREDIT UNION OF GEORGIA
CREDIT UNION OF GEORGIA received 1,478 applications in 2025 and made 951 mortgages, in 73 counties across 8 states. The median rate its borrowers got was 7.250% on a median loan of $75,000. Of 1,349 decisions, 330 were denials — 24.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300STHIK6SGJQIY70 |
|---|---|
| Applications received | 1,478 |
| Mortgages made | 951 |
| Denied | 330 |
| Approved, not taken up | 68 |
| Withdrawn or incomplete | 129 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.55 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 | 100 | 6.250% | $320,000 | 9.7% |
| Refinancing | 96 | 7.000% | $115,000 | 19.7% |
| Cash-out refinancing | 30 | 6.563% | $255,000 | 8.8% |
| Other purposes | 725 | 7.250% | $65,000 | 27.1% |
Where CREDIT UNION OF GEORGIA 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 |
|---|---|---|---|
| Cherokee County, GA | 362 | 7.250% | 21.8% |
| Cobb County, GA | 289 | 7.250% | 21.8% |
| Paulding County, GA | 61 | 7.990% | 33.0% |
| Fulton County, GA | 57 | 7.250% | 20.5% |
| Forsyth County, GA | 26 | 6.890% | 21.6% |
| Bartow County, GA | 21 | 7.000% | 21.4% |
| DeKalb County, GA | 19 | 7.000% | 30.0% |
| Gwinnett County, GA | 16 | 6.890% | 51.3% |
| Pickens County, GA | 12 | 7.220% | 31.6% |
| Douglas County, GA | 11 | 8.000% | 23.5% |
| Gilmer County, GA | 8 | Under 10 loans | 0.0% |
| Carroll County, GA | 7 | Under 10 loans | 27.3% |
| Gordon County, GA | 5 | Under 10 loans | 0.0% |
| Clarke County, GA | 4 | Under 10 loans | 0.0% |
| Floyd County, GA | 4 | Under 10 loans | 0.0% |
| Effingham County, GA | 3 | Under 10 loans | 40.0% |
| Oconee County, GA | 3 | Under 10 loans | 40.0% |
| Harris County, GA | 2 | Under 10 loans | 0.0% |
| Houston County, GA | 2 | Under 10 loans | 50.0% |
| Jackson County, GA | 2 | Under 10 loans | 0.0% |
| Lowndes County, GA | 2 | Under 10 loans | 0.0% |
| Towns County, GA | 2 | Under 10 loans | 0.0% |
| Union County, GA | 2 | Under 10 loans | 33.3% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Franklin County, FL | 1 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Barrow County, GA | 1 | Under 10 loans | 50.0% |
| Bulloch County, GA | 1 | Under 10 loans | 0.0% |
| Butts County, GA | 1 | Under 10 loans | 0.0% |
| Clayton County, GA | 1 | Under 10 loans | 0.0% |
| Columbia County, GA | 1 | Under 10 loans | 0.0% |
| Coweta County, GA | 1 | Under 10 loans | 66.7% |
| Dawson County, GA | 1 | Under 10 loans | 0.0% |
| Dodge County, GA | 1 | Under 10 loans | 0.0% |
| Fayette County, GA | 1 | Under 10 loans | 75.0% |
| Franklin County, GA | 1 | Under 10 loans | 0.0% |
| Greene County, GA | 1 | Under 10 loans | 0.0% |
| Habersham County, GA | 1 | Under 10 loans | 0.0% |
| Hall County, GA | 1 | Under 10 loans | 0.0% |
| Henry County, GA | 1 | Under 10 loans | 50.0% |
| Jones County, GA | 1 | Under 10 loans | 0.0% |
| Lumpkin County, GA | 1 | Under 10 loans | 33.3% |
| Muscogee County, GA | 1 | Under 10 loans | 50.0% |
| Newton County, GA | 1 | Under 10 loans | 50.0% |
| Polk County, GA | 1 | Under 10 loans | 0.0% |
| Richmond County, GA | 1 | Under 10 loans | 50.0% |
| Thomas County, GA | 1 | Under 10 loans | 0.0% |
| Walton County, GA | 1 | Under 10 loans | 0.0% |
| Whitfield County, GA | 1 | Under 10 loans | 66.7% |
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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.