Peach State Federal Credit Union mortgage approval rate & lending review
Peach State Federal Credit Union decided 540 mortgage applications and funded 386 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Peach State Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Peach State Federal Credit Union at a glance
Approval is 7.5 points above the 66.4% 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% | 57 / 61 | 89% | $315K | 51 |
| Home improvement loans | 70% | 283 / 405 | 99% | $65K | 279 |
| Cash-out refinance | 79% | 50 / 63 | 96% | $195K | 48 |
Peach State Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 73% | $65K | 510 | 364 |
| South Carolina | 81% | $165K | 27 | 19 |
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 Peach State Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Gwinnett County, GA | Home improvement loans | 73% | 197 | 142 |
| Walton County, GA | Home improvement loans | 75% | 65 | 49 |
| DeKalb County, GA | Home improvement loans | 70% | 40 | 27 |
| Clarke County, GA | Home improvement loans | 61% | 23 | 14 |
The county markets where Peach State Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Peach State Federal Credit Union
What is Peach State Federal Credit Union's mortgage approval rate?
Peach State Federal Credit Union approved 73.9% of the 540 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.5 points above the 66.4% national rate for the same mix of loan types.
How often do borrowers take the loan Peach State Federal Credit Union offers?
Borrowers accepted 97% of the loans Peach State Federal Credit Union 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 Peach State Federal Credit Union make?
The typical home improvement loan loan Peach State Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Peach State Federal Credit Union lend?
Peach State Federal Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in Georgia, South Carolina and Florida.
Can I apply to Peach State Federal Credit Union directly?
Yes. Peach State Federal Credit Union is a bank or credit union with 30 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Peach State Federal Credit Union'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 Peach State Federal Credit Union treats applications, then get a rate quote from the lender.