Applications / Mortgage Analytics / Lenders / Georgia / Georgia United Credit Union
Duluth, GA · Credit union · NCUA · $2.4 billion assets · 1,646 loans in 2025
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1,646
loans originated, 2025
3,222
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Georgia United Credit Union is a Georgia home-improvement and refinance lender: home purchases were only 14.4% of its loans, and more of its lending is in majority-minority and LMI areas than at most similar lenders.
Home improvement was 38.2% of its loans, refinances 24.2% and other purposes 23.2%. Its typical loan was $95,000, against $115,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at more than four in five of them. All its loans were conventional, as at most peers.
Majority-minority areas took 40.4% of its loans, against 11.0% at peers, up from 29.2% five years before. LMI (low- and moderate-income) areas took 20.0%, against 14.9%, a higher share than at about five in six peers, and LMI borrowers 29.5%, against 26.9%. Higher-priced loans (a rate well above the average for similar loans) were 0.1%, against 1.5%.
Its 1,646 originations rose 1% from 1,632, while similar lenders grew 9% and the whole market 10%. Its yearly count has stayed between 1,532 and 1,731 since 2020; a mix weighted to home improvement rather than purchases is one possible reason it moved less with the market.
It ranked 5 of 234 lenders in Dalton, where FirstBank led and where it has lent since 1995, but its share fell 1.5 points to 3.3%; faster growth by other lenders there is one possible reason. It ranked 74 of 892 in Atlanta-Sandy Springs-Alpharetta, its largest market, and entered Palm Bay-Melbourne-Titusville in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 United Credit Union took 3,222 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 38.2% · Refinance 24.2% · Other 23.2% · Purchase 14.4%
Conventional 100.0% · of 1,646 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 | 1,636 | 99.4% |
| Florida | 3 | 0.2% |
| Tennessee | 3 | 0.2% |
| South Carolina | 2 | 0.1% |
| Alabama | 1 | 0.1% |
| Mississippi | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 1,030 |
| Marietta | 172 |
| Dalton | 154 |
| Athens-Clarke County | 98 |
| Gainesville | 34 |
| Chattanooga | 13 |
| Rome | 7 |
| Savannah | 6 |
| Augusta-Richmond County | 4 |
| Brunswick-St. Simons | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TE5E6DWAI74K71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 319083 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512320 | 1990–2009 |
| Respondent ID (the HMDA filer code before 2018) | 568607 | 2010–2017 |
Established 1 January 1958. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Georgia United Credit Union's data.
Georgia United Credit Union's data
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Georgia United Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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