Applications / Mortgage Analytics / Lenders / Georgia / ACU
Norcross, GA · Credit union · NCUA · $2.3 billion assets · 1,213 loans in 2025
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1,213
loans originated, 2025
1,869
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ACU, a Georgia credit union whose largest market is Atlanta, grew 19% in 2025, faster than most similar lenders, with far more of its lending in majority-minority areas than most of them.
Originations rose 19% to 1,213, against 9% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, higher than about three-quarters of them. They remain below the 1,751 loans of 2020.
Majority-minority areas took 39.8% of its loans, against 10.2% at similar lenders, higher than more than eight in ten of them. Its largest market is Atlanta-Sandy Springs-Alpharetta, where it ranked 51 of 892 lenders; the make-up of the areas it serves is a possible reason. LMI (low- and moderate-income) borrowers took 25.2%, a little below peers' 27.5%.
Its typical loan, $155,000, was larger than at about three-quarters of similar lenders, where it was $105,000. Jumbo loans (larger than the conforming limit) were 6.8%, against 1.1%. All its lending was conventional, and its refinance denial rate, 6.0%, was lower than peers' 21.0%.
Its share rose 0.1 points to 0.3% in Augusta-Richmond County, where it ranked 59 of 461, and 0.2 points to 0.4% in Gainesville, GA, where it ranked 58 of 336. Home purchases were 41.5% of its loans.
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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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ACU took 1,869 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.5% · Home improvement 20.9% · Other 20.9% · Refinance 16.7%
Conventional 100.0% · of 1,213 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 | 1,105 | 91.1% |
| Florida | 17 | 1.4% |
| South Carolina | 15 | 1.2% |
| North Carolina | 10 | 0.8% |
| Tennessee | 7 | 0.6% |
| Alabama | 6 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 771 |
| Marietta | 178 |
| Augusta-Richmond County | 64 |
| Gainesville | 37 |
| Athens-Clarke County | 6 |
| Chattanooga | 4 |
| Nashville-Davidson--Murfreesboro--Franklin | 4 |
| Charlotte-Concord-Gastonia | 3 |
| Greenville-Anderson-Greer | 3 |
| Huntsville | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900132A3VX6LLZU43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 546692 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560484 | 1990–2017 |
Established 1 January 1930. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: ACU's data.
ACU's data
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