KINETIC FEDERAL CREDIT UNION
KINETIC FEDERAL CREDIT UNION received 136 applications in 2025 and made 70 mortgages, in 12 counties across 2 states. The median rate its borrowers got was 7.110% on a median loan of $65,000. Of 124 decisions, 44 were denials — 35.5%, most often for credit history.
| Legal Entity Identifier | 54930020YFOV56MQ7B70 |
|---|---|
| Applications received | 136 |
| Mortgages made | 70 |
| Denied | 44 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.387 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 | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Cash-out refinancing | 16 | 7.130% | $95,000 | 11.1% |
| Other purposes | 45 | 7.215% | $55,000 | 44.1% |
Where KINETIC FEDERAL CREDIT UNION lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Muscogee County, GA | 33 | 7.200% | 35.9% |
| Lee County, AL | 15 | 7.040% | 23.8% |
| Harris County, GA | 12 | 7.210% | 18.8% |
| Russell County, AL | 7 | Under 10 loans | 58.8% |
| Barbour County, AL | 1 | Under 10 loans | 0.0% |
| Montgomery County, AL | 1 | Under 10 loans | 0.0% |
| Talbot County, GA | 1 | Under 10 loans | 0.0% |
| Calhoun County, AL | 0 | Under 10 loans | 100.0% |
| Cobb County, GA | 0 | Under 10 loans | Not published |
| Liberty County, GA | 0 | Under 10 loans | Not published |
| Marion County, GA | 0 | Under 10 loans | 100.0% |
| Meriwether County, GA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When KINETIC FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.