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Georgia United Credit Union in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Georgia, Georgia United Credit Union reported 2,846 applications and 1,621 originations for 2024, $200m in all.
Its denial rate in the state was 34.6%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 35.1%.
The median rate spread on its Georgia originations was 0.3 percentage points (state median 0.4).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Georgia United Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 34.6% | 26.9% | 35.1% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.8% | 17.5% | 6.9% | 15.6% |
| Average originated loan | $123k | $313k | $124k | $329k |
| Home purchase share | 11.5% | 57.0% | 12.0% | 57.0% |
| FHA-insured share | 0.0% | 18.3% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 11.6% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 12% (187)Home improvement 42% (674)Refinancing 1% (17)Cash-out refinancing 3% (54)Other purpose 43% (689)
By type
Conventional 100% (1,621)
Denial reasons as coded
Share of 875 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| DeKalb County | 455 | 242 | $27m | 38.6% |
| Gwinnett County | 308 | 172 | $20m | 37.6% |
| Whitfield County | 271 | 161 | $18m | 29.9% |
| Fulton County | 266 | 161 | $31m | 31.0% |
| Forsyth County | 181 | 111 | $16m | 28.0% |
| Cobb County | 128 | 76 | $12m | 30.3% |
| Henry County | 143 | 73 | $6.4m | 40.9% |
| Rockdale County | 99 | 57 | $5.0m | 35.2% |
| Clarke County | 80 | 53 | $5.5m | 25.0% |
| Newton County | 92 | 51 | $5.1m | 37.3% |
| Cherokee County | 53 | 35 | $5.7m | 30.0% |
| Murray County | 53 | 33 | $3.8m | 31.3% |
| Clayton County | 53 | 28 | $1.7m | 42.0% |
| Bartow County | 43 | 27 | $2.0m | 34.1% |
| Hall County | 45 | 23 | $2.5m | 42.9% |
| Oconee County | 31 | 23 | $3.2m | 20.7% |
| Walton County | 32 | 19 | $1.5m | 29.6% |
| Jackson County | 27 | 19 | $2.8m | — |
| Barrow County | 28 | 15 | $1.5m | — |
| Laurens County | 25 | 9 | $1.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Georgia United Credit Union originate in Georgia in 2024?
1,621 loans totalling $200m, from 2,846 applications reported for properties in Georgia.
What is Georgia United Credit Union's denial rate in Georgia?
34.6% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 35.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Georgia counties does Georgia United Credit Union lend in most?
By originations: DeKalb County (242), Gwinnett County (172), Whitfield County (161), Fulton County (161), Forsyth County (111).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.