Applications / Mortgage Analytics / Lenders / Georgia / Georgia Heritage Federal Credit Union
Savannah, GA · Credit union · NCUA · $161 million assets · 71 loans in 2025
Georgia Heritage Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
71
loans originated, 2025
103
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Georgia Heritage Federal Credit Union, a Savannah lender, makes small home-improvement and other loans rather than loans to buy homes, and its lending rose by about half in 2025.
It made 71 loans, up 54% from 46, against growth of 7% at similar lenders (credit unions making between half and twice as many loans). Its record swings: 93 loans in 2022, 46 two years later. It filed no report for 2018 or 2020; those are gaps in the record, not years without lending. In Savannah, its market since 1994, it ranked 129 of 469 lenders.
Home improvement made up 59.2% of its loans, other purposes 39.4% and refinances 1.4%; it reported no purchase loans. Its typical loan, $65,000, was smaller than at about four in five similar lenders, where it was $95,000.
Of its borrowers, 45.1% had low or moderate incomes, against 30.9% at similar lenders and 19.6% for itself a year earlier. Of its loans, 25.4% went to majority-minority tracts, against 9.0% at its peers.
Its typical rate, 7.50%, was higher than at about four in five similar lenders, whose typical rate was 6.75%, though down from 8.50% a year earlier. Its lending is almost all home-improvement and other-purpose loans, which may account for the difference.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Georgia Heritage Federal Credit Union took 103 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 59.2% · Other 39.4% · Refinance 1.4%
Conventional 100.0% · of 71 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 | 70 | 98.6% |
| South Carolina | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Savannah | 66 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
| Marietta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930058TT77ICBGRI91 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 301770 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53800 | 1994–2017 |
Established 1 January 1940. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Georgia Heritage Federal Credit Union's data.
Georgia Heritage Federal Credit Union's data
$215
Georgia Heritage 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 Georgia Heritage 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]