Applications / Mortgage Analytics / Lenders / Georgia / Credit Union of Georgia
Woodstock, GA · Credit union · NCUA · $733 million assets · 951 loans in 2025
Credit Union of Georgia's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
951
loans originated, 2025
1,484
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Credit Union of Georgia is a Woodstock credit union whose lending is mostly home improvement and other-purpose loans, and it has grown from 79 loans in 2018 to 951 in 2025.
Home improvement loans were 41.5% of its originations and other-purpose loans 34.7%; refinances were 13.2% and home purchases 10.5%. Its typical loan was $75,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), among the smallest tenth of them, and down from $155,000 five years before.
Originations rose from 79 in 2018 to 1,156 in 2022 and were 951 in 2025, up from 599 five years before. In 2025 they rose 2%, against 8% at peers and 10% for the whole market.
It ranked 106 of 892 lenders in Atlanta-Sandy Springs-Alpharetta, where it has lent since 1993. Its shares elsewhere were 0.2% or less.
LMI (low- and moderate-income) areas took 11.1% of its loans, against 15.0% at peers, lower than about four in five of them, and LMI borrowers 24.7%, against 28.0%. Its home improvement loans, made to people who already own homes, are one possible reason. Majority-minority areas took 14.2%, against 10.5%. Too few of its applications were home purchases or refinances for a denial rate.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Credit Union of Georgia took 1,484 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 41.5% · Other 34.7% · Refinance 13.2% · Purchase 10.5%
Conventional 100.0% · of 951 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 | 943 | 99.2% |
| Florida | 4 | 0.4% |
| South Carolina | 2 | 0.2% |
| Texas | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Marietta | 733 |
| Atlanta-Sandy Springs-Roswell | 158 |
| Athens-Clarke County | 7 |
| Rome | 4 |
| Columbus | 3 |
| Savannah | 3 |
| Augusta-Richmond County | 2 |
| Valdosta | 2 |
| Warner Robins | 2 |
| Dalton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300STHIK6SGJQIY70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 246880 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513739 | 1993–2007 |
| Respondent ID (the HMDA filer code before 2018) | 568571 | 2008–2017 |
Established 1 January 1960. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Credit Union of Georgia's data.
Credit Union of Georgia's data
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Credit Union of Georgia 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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