Applications / Mortgage Analytics / Lenders / Georgia / CDC Federal Credit Union
Atlanta, GA · Credit union · NCUA · $437 million assets · 128 loans in 2025
CDC Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
128
loans originated, 2025
162
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CDC Federal Credit Union, an Atlanta credit union, hardly finances home purchases or refinancing at all: other-purpose and home-improvement loans make up almost all its lending.
Other-purpose loans made up 62.5% of its lending and home-improvement loans 31.3%. Purchases were 1.6%. Its typical loan was $95,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans). In 2020 it was $235,000.
It made 128 loans in both 2024 and 2025, while the typical similar lender grew 8%. Its dollar total slipped to $14.1 million from $15.0 million. In 2020 it made 202 loans. Its narrow product line may be one reason it did not share in the market's growth.
Majority-minority neighborhoods took 50.4% of its loans, against 9.7% at similar lenders, a higher share than at more than four in five of them. All its lending is in 21 Georgia counties. In its largest market, Atlanta-Sandy Springs-Alpharetta, where it has lent since at least 1990, it ranks 318 of 892 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CDC Federal Credit Union took 162 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 62.5% · Home improvement 31.3% · Refinance 3.9% · Purchase 1.6% · Not applicable 0.8%
Conventional 100.0% · of 128 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 | 127 | 99.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 109 |
| Marietta | 10 |
| Gainesville | 3 |
| Athens-Clarke County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900W1NULDJH9MMK81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 239873 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56053 | 1990–2017 |
Established 1 January 1949. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: CDC Federal Credit Union's data.
CDC Federal Credit Union's data
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CDC Federal 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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