Applications / Mortgage Analytics / Lenders / Georgia / Georgia's Own Credit Union
Atlanta, GA · Credit union · NCUA · $4.4 billion assets · 2,316 loans in 2025
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2,316
loans originated, 2025
5,384
applications, 2025
35
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Georgia's Own Credit Union is mainly a home-improvement and other-purpose lender, reaching 35 states, whose loans fell 14% in 2025 while the amount it lent barely changed.
Similar lenders are credit unions making between half and twice as many loans. Its originations fell 14% to 2,316 while theirs rose 11%, lower growth than nearly all of them. The amount it lent moved only from $616.0 million to $602.5 million, as its typical loan rose to $185,000 from $155,000, which may point to a shift toward larger loans rather than a retreat.
Other purposes made up 37.3% of its loans and home improvement 31.6%; purchases were 17.2% and refinancing 13.9%. Its typical loan was higher than more than four in five similar lenders' $115,000, and 5.7% of its loans were jumbo (larger than the conforming limit) against 1.3%.
27.1% of its loans were in majority-minority areas against 11.2%, higher than about three-quarters of similar lenders. LMI (low- and moderate-income) borrowers took 13.9% against 27.2%, among the lowest tenth, though up from 11.2%; its larger loans may draw higher-income borrowers.
Its typical rate of 7.75% was higher than about nine in ten similar lenders' 7.00%, which its home-improvement and other-purpose lending could explain. Higher-priced loans (a rate well above the average for similar loans) fell to 1.9% from 10.2%, close to their 1.7%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Georgia's Own Credit Union took 5,384 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 37.3% · Home improvement 31.6% · Purchase 17.2% · Refinance 13.9%
Conventional 100.0% · of 2,316 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 1,374 | 59.3% |
| Washington | 128 | 5.5% |
| Florida | 101 | 4.4% |
| Oregon | 90 | 3.9% |
| Massachusetts | 88 | 3.8% |
| Arizona | 71 | 3.1% |
| New Jersey | 66 | 2.8% |
| Idaho | 44 | 1.9% |
| South Carolina | 40 | 1.7% |
| Colorado | 39 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 831 |
| Marietta | 264 |
| Portland-Vancouver-Hillsboro | 80 |
| Phoenix-Mesa-Chandler | 58 |
| Seattle-Bellevue-Kent | 51 |
| Augusta-Richmond County | 38 |
| Gainesville | 37 |
| Albany | 28 |
| Boston | 28 |
| Savannah | 28 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930025XJJO3T0M1A92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 335092 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567390 | 1993–2017 |
Established 1 January 1934. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Georgia's Own Credit Union's data.
Georgia's Own Credit Union's data
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