Thinly spread
Those 50 loans landed in 16 metros and 24 counties, with Georgia its main state. In 2025 it lent for the first time in Valdosta, Columbia, SC, Winston-Salem and Burlington, each with a very small share.
Applications / Mortgage Analytics / Lenders / Georgia / Coca-Cola Federal Credit Union
Coca-Cola Federal Credit Union
Atlanta, GA · Credit union · NCUA · $202 million assets · 50 loans in 2025
Coca-Cola Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
50
loans originated, 2025
102
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Coca-Cola Federal Credit Union lends little but far afield. Its 50 loans in 2025 reached 12 states, though it made 14% fewer than in 2024.
Refinances at larger sizes
Refinances made up 64.0% of its loans and home purchases 30.0%; all were conventional. Its typical loan, $155,000, was larger than at about three in four similar lenders (credit unions making between half and twice as many loans), where it was $95,000.
Shrinking as peers grew
Its 14% fall compares with a rise of 6% at similar lenders and 10% for the whole market. Apart from 169 loans in 2020, it has made between 50 and 70 a year since 2021. The figures do not say why it fell.
Majority-minority areas, few LMI borrowers
Majority-minority areas took 38.0% of its loans, against 9.7% at similar lenders, more than at about four in five of them. Low- and moderate-income (LMI) borrowers took 9.5%, against 31.3%, among the lowest twentieth of its peers. Its larger loans may be one reason, and on 50 loans a few loans move the share.
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
50 loans in 2025, against a peak of 169 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Coca-Cola Federal Credit Union took 102 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
64.0% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 64.0% · Purchase 30.0% · Other 4.0% · Home improvement 2.0%
Conventional 100.0% · of 50 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
12 states, 16 metros, 24 counties
| State | Loans | Share |
|---|---|---|
| Georgia | 35 | 70.0% |
| North Carolina | 3 | 6.0% |
| Minnesota | 2 | 4.0% |
| Texas | 2 | 4.0% |
| Alabama | 1 | 2.0% |
| Arkansas | 1 | 2.0% |
| California | 1 | 2.0% |
| Iowa | 1 | 2.0% |
| Maryland | 1 | 2.0% |
| Mississippi | 1 | 2.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 25 |
| Marietta | 9 |
| Houston-Pasadena-The Woodlands | 2 |
| Anaheim-Santa Ana-Irvine | 1 |
| Baltimore-Columbia-Towson | 1 |
| Burlington | 1 |
| Cleveland | 1 |
| Columbia | 1 |
| Duluth | 1 |
| Fayetteville-Springdale-Rogers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VUVWGNUHYOLA93 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 990482 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 517017 | 1998–2017 |
Established 1 January 1965. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Coca-Cola Federal Credit Union's data.
The data and the software behind these pages
Coca-Cola Federal Credit Union's data
$215
Coca-Cola 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.
Buy Coca-Cola Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]