Applications / Mortgage Analytics / Lenders / Georgia / CORE Credit Union
Statesboro, GA · Credit union · NCUA · $148 million assets · 53 loans in 2025
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53
loans originated, 2025
87
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CORE Credit Union, a Georgia credit union, lends mostly to people who already own their homes, and it made 66% more loans in 2025 than in 2024.
Refinances made up 49.1% of its loans and home improvement 26.4%; home purchases were only 13.2%. All were conventional. Manufactured homes took 11.3%, where the typical similar lender (credit unions making between half and twice as many loans) made none. Its typical loan, $95,000, matched peers'.
Its 53 loans were 66% more than the 32 of 2024, faster growth than at nearly nine in ten peers, which grew 5%. It made 54 loans in 2019, its first report, and filed none for 2020 to 2022, gaps in the record rather than years without lending. In 2025 it first lent in Augusta-Richmond County and non-metro North Carolina.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 35.0% of its loans, against 17.7% at peers, higher than at about nine in ten. Majority-minority areas took 32.5%, against 9.8%. LMI borrowers took 22.5%, against 31.4%; refinance and home-improvement borrowers already own their homes, which may play a part. On 53 loans, a few borrowers move these shares.
Its typical rate was 6.25%, lower than at about four in five peers, where it was 6.75%. In 2024 it was 7.35%.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. CORE Credit Union took 87 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 49.1% · Home improvement 26.4% · Purchase 13.2% · Other 11.3%
Conventional 100.0% · of 53 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 | 46 | 86.8% |
| North Carolina | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Savannah | 14 |
| Augusta-Richmond County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TTY10Z37TUIF76 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 117195 | 2019–2023 |
Established 1 January 1991. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: CORE Credit Union's data.
CORE Credit Union's data
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CORE 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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