MyGeorgia Credit Union
MyGeorgia Credit Union received 148 applications in 2025 and made 87 mortgages, in 21 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $65,000. Of 141 decisions, 54 were denials — 38.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493007MURRUYDI58M87 |
|---|---|
| Applications received | 148 |
| Mortgages made | 87 |
| Denied | 54 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.22 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 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Other purposes | 77 | 7.500% | $55,000 | 38.4% |
Where MyGeorgia Credit Union lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hall County, GA | 29 | 7.500% | 49.1% |
| Habersham County, GA | 11 | 7.250% | 26.7% |
| Banks County, GA | 9 | Under 10 loans | 30.8% |
| White County, GA | 9 | Under 10 loans | 18.2% |
| Jackson County, GA | 8 | Under 10 loans | 33.3% |
| Madison County, GA | 4 | Under 10 loans | 0.0% |
| Clarke County, GA | 3 | Under 10 loans | 0.0% |
| Forsyth County, GA | 2 | Under 10 loans | 50.0% |
| Lumpkin County, GA | 2 | Under 10 loans | 50.0% |
| Union County, GA | 2 | Under 10 loans | 0.0% |
| Bacon County, GA | 1 | Under 10 loans | 0.0% |
| Barrow County, GA | 1 | Under 10 loans | 50.0% |
| Cherokee County, GA | 1 | Under 10 loans | 0.0% |
| Dawson County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 50.0% |
| Rabun County, GA | 1 | Under 10 loans | 50.0% |
| Stephens County, GA | 1 | Under 10 loans | 66.7% |
| Walton County, GA | 1 | Under 10 loans | 50.0% |
| Elbert County, GA | 0 | Under 10 loans | 100.0% |
| Irwin County, GA | 0 | Under 10 loans | Not published |
| Oglethorpe County, GA | 0 | Under 10 loans | 100.0% |
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When MyGeorgia Credit Union’s figures are published for the next year, or restated.
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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.