THE SOUTHERN CREDIT UNION
THE SOUTHERN CREDIT UNION received 94 applications in 2025 and made 55 mortgages, in 27 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $155,000. Of 75 decisions, 12 were denials — 16.0%.
| Legal Entity Identifier | 549300LDBCZGR7DW6211 |
|---|---|
| Applications received | 94 |
| Mortgages made | 55 |
| Denied | 12 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 19 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 13 | Not published | $365,000 | 7.1% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 16 | Not published | $205,000 | 18.5% |
| Other purposes | 23 | Not published | $75,000 | 14.3% |
Where THE SOUTHERN CREDIT UNION lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Coweta County, GA | 9 | Under 10 loans | 0.0% |
| Fayette County, GA | 9 | Under 10 loans | 15.4% |
| Henry County, GA | 5 | Under 10 loans | 14.3% |
| Troup County, GA | 5 | Under 10 loans | 37.5% |
| Spalding County, GA | 4 | Under 10 loans | 28.6% |
| Clayton County, GA | 3 | Under 10 loans | 42.9% |
| Pike County, GA | 3 | Under 10 loans | 0.0% |
| Randolph County, AL | 2 | Under 10 loans | 0.0% |
| Butts County, GA | 2 | Under 10 loans | 0.0% |
| Newton County, GA | 2 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
| Shelby County, AL | 1 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 1 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 0.0% |
| Meriwether County, GA | 1 | Under 10 loans | 0.0% |
| Monroe County, GA | 1 | Under 10 loans | 0.0% |
| Paulding County, GA | 1 | Under 10 loans | 0.0% |
| Upson County, GA | 1 | Under 10 loans | 0.0% |
| Robertson County, TN | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 0 | Under 10 loans | Not published |
| Cherokee County, GA | 0 | Under 10 loans | Not published |
| Cobb County, GA | 0 | Under 10 loans | 0.0% |
| Forsyth County, GA | 0 | Under 10 loans | 100.0% |
| Fulton County, GA | 0 | Under 10 loans | 0.0% |
| Harris County, GA | 0 | Under 10 loans | Not published |
Get told when this changes
When THE SOUTHERN 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.