PEACH STATE FEDERAL CREDIT UNION
PEACH STATE FEDERAL CREDIT UNION received 411 applications in 2025 and made 212 mortgages, in 49 counties across 2 states. The median rate its borrowers got was 6.313% on a median loan of $105,000. Of 316 decisions, 97 were denials — 30.7%, most often for credit history.
| Legal Entity Identifier | 549300BYOVJ9X6PKXV28 |
|---|---|
| Applications received | 411 |
| Mortgages made | 212 |
| Denied | 97 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 95 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.49 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 | 24 | 5.750% | $280,000 | 10.3% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 20.0% |
| Cash-out refinancing | 32 | 5.625% | $275,000 | 23.3% |
| Other purposes | 147 | 6.750% | $65,000 | 35.4% |
Where PEACH STATE FEDERAL CREDIT UNION lends most
The 49 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 | 68 | 6.750% | 26.6% |
| Walton County, GA | 22 | 6.500% | 24.1% |
| Barrow County, GA | 18 | 6.750% | 24.0% |
| Jackson County, GA | 12 | 6.500% | 7.7% |
| DeKalb County, GA | 10 | 6.750% | 52.4% |
| Habersham County, GA | 10 | 6.500% | 21.4% |
| Fulton County, GA | 8 | Under 10 loans | 38.5% |
| Stephens County, GA | 7 | Under 10 loans | 41.7% |
| Clarke County, GA | 6 | Under 10 loans | 40.0% |
| Pickens County, SC | 5 | Under 10 loans | 0.0% |
| Chattooga County, GA | 4 | Under 10 loans | 50.0% |
| Banks County, GA | 3 | Under 10 loans | 25.0% |
| Henry County, GA | 3 | Under 10 loans | 0.0% |
| Oconee County, GA | 3 | Under 10 loans | 42.9% |
| Bulloch County, GA | 2 | Under 10 loans | 0.0% |
| Hall County, GA | 2 | Under 10 loans | 33.3% |
| Madison County, GA | 2 | Under 10 loans | 0.0% |
| Newton County, GA | 2 | Under 10 loans | 33.3% |
| Paulding County, GA | 2 | Under 10 loans | 33.3% |
| Rabun County, GA | 2 | Under 10 loans | 0.0% |
| Towns County, GA | 2 | Under 10 loans | 50.0% |
| Union County, GA | 2 | Under 10 loans | 50.0% |
| Burke County, GA | 1 | Under 10 loans | 0.0% |
| Cherokee County, GA | 1 | Under 10 loans | 0.0% |
| Clayton County, GA | 1 | Under 10 loans | 75.0% |
| Elbert County, GA | 1 | Under 10 loans | 0.0% |
| Gordon County, GA | 1 | Under 10 loans | 0.0% |
| Greene County, GA | 1 | Under 10 loans | 0.0% |
| Hancock County, GA | 1 | Under 10 loans | 0.0% |
| Lumpkin County, GA | 1 | Under 10 loans | 0.0% |
| Morgan County, GA | 1 | Under 10 loans | 0.0% |
| Oglethorpe County, GA | 1 | Under 10 loans | 0.0% |
| Putnam County, GA | 1 | Under 10 loans | 0.0% |
| Richmond County, GA | 1 | Under 10 loans | 66.7% |
| Toombs County, GA | 1 | Under 10 loans | 0.0% |
| Walker County, GA | 1 | Under 10 loans | 50.0% |
| Aiken County, SC | 1 | Under 10 loans | 33.3% |
| Anderson County, SC | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 0 | Under 10 loans | 100.0% |
| Columbia County, GA | 0 | Under 10 loans | 100.0% |
| Fannin County, GA | 0 | Under 10 loans | 100.0% |
| Forsyth County, GA | 0 | Under 10 loans | 100.0% |
| Franklin County, GA | 0 | Under 10 loans | 100.0% |
| Lincoln County, GA | 0 | Under 10 loans | Not published |
| Pickens County, GA | 0 | Under 10 loans | Not published |
| Abbeville County, SC | 0 | Under 10 loans | Not published |
| Greenwood County, SC | 0 | Under 10 loans | 100.0% |
| McCormick County, SC | 0 | Under 10 loans | Not published |
Get told when this changes
When PEACH STATE 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.