Applications / Mortgage Analytics / Lenders / Georgia / Peach State Federal Credit Union
Lawrenceville, GA · Credit union · NCUA · $1.1 billion assets · 212 loans in 2025
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212
loans originated, 2025
411
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peach State Federal Credit Union, a Georgia credit union, lends mostly to people improving homes they already own, not to buyers.
Home improvement made up 59.9% of its loans, refinances 19.3% and home purchases only 11.3%. Every loan was conventional. Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans).
It made 212 loans in 2025, down 6% from 225, while the typical similar lender grew 7% and the whole market 10%; its change was lower than about seven in ten similar lenders. Its loans have eased each year since 2021, when it made 353.
Majority-minority neighborhoods received 35.9% of its loans, against 10.7%, higher than about three-quarters of similar lenders. Its share to borrowers with low or moderate incomes (LMI), 19.2% against 27.9%, is in the lowest fifth. Home-improvement borrowers already own homes and may earn more; the markets it serves may also play a part.
Its typical rate was 6.31%, against 6.75% at similar lenders and 7.75% for itself the year before. None of its loans was higher-priced (a rate well above the average for similar loans), against 2.0% at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peach State Federal Credit Union took 411 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 59.9% · Refinance 19.3% · Purchase 11.3% · Other 9.4%
Conventional 100.0% · of 212 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 | 204 | 96.2% |
| South Carolina | 8 | 3.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 134 |
| Athens-Clarke County | 12 |
| Greenville-Anderson-Greer | 7 |
| Augusta-Richmond County | 3 |
| Marietta | 3 |
| Gainesville | 2 |
| Chattanooga | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BYOVJ9X6PKXV28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 632380 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 514676 | 1999–2017 |
Established 1 January 1961. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Peach State Federal Credit Union's data.
Peach State Federal Credit Union's data
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Peach State 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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