Credit Union of Georgia mortgage approval rate & lending review
Credit Union of Georgia decided 1,980 mortgage applications and funded 1,631 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Credit Union of Georgia reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Credit Union of Georgia at a glance
Approval is 16.9 points above the 68.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 282 / 304 | 98% | $295K | 275 |
| Home improvement loans | 85% | 1,069 / 1,265 | 95% | $55K | 1,019 |
| Cash-out refinance | 94% | 78 / 83 | 99% | $255K | 77 |
| Refinance | 84% | 252 / 300 | 97% | $85K | 244 |
Credit Union of Georgia lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 86% | $55K | 1,963 | 1,615 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Credit Union of Georgia lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cherokee County, GA | Home improvement loans | 88% | 499 | 416 |
| Cobb County, GA | Home improvement loans | 86% | 467 | 385 |
| Cherokee County, GA | Refinance | 85% | 137 | 113 |
| Cherokee County, GA | Mortgage lenders | 95% | 103 | 94 |
| Cobb County, GA | Refinance | 85% | 102 | 84 |
| Paulding County, GA | Home improvement loans | 76% | 94 | 71 |
| Fulton County, GA | Home improvement loans | 86% | 79 | 66 |
| Cherokee County, GA | Cash-out refinance | 96% | 45 | 42 |
| Cobb County, GA | Cash-out refinance | 91% | 22 | 20 |
| Forsyth County, GA | Home improvement loans | 91% | 23 | 19 |
| DeKalb County, GA | Home improvement loans | 76% | 21 | 15 |
| Gwinnett County, GA | Home improvement loans | 59% | 22 | 12 |
The county markets where Credit Union of Georgia made the most loans. Each link opens that market with every lender ranked.
Questions about Credit Union of Georgia
What is Credit Union of Georgia's mortgage approval rate?
Credit Union of Georgia approved 85.7% of the 1,980 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.9 points above the 68.9% national rate for the same mix of loan types.
How often do borrowers take the loan Credit Union of Georgia offers?
Borrowers accepted 96% of the loans Credit Union of Georgia approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Credit Union of Georgia make?
The typical home improvement loan loan Credit Union of Georgia made was $55K; across all loan types its typical loan ran from $55K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Credit Union of Georgia lend?
Credit Union of Georgia decided applications in 5 of the states Fat Boy Data covers, most of them in Georgia, Florida and South Carolina.
Can I apply to Credit Union of Georgia directly?
Yes. Credit Union of Georgia is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Credit Union of Georgia's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Credit Union of Georgia treats applications, then get a rate quote from the lender.