Applications / Mortgage Analytics / Lenders / Georgia / Interstate Credit Union
Jesup, GA · Credit union · NCUA · $401 million assets · 98 loans in 2025
Interstate Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
98
loans originated, 2025
191
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Interstate Credit Union, based in Jesup, Georgia, is above all a lender on manufactured homes, which made up 59.2% of its loans in a year when most similar credit unions made none.
Its share of manufactured homes was higher than at nearly all similar lenders, credit unions making between half and twice as many loans. Its typical loan, $75,000, was smaller than the $95,000 at the typical peer. Purchases made up 32.7% of its loans, refinances 29.6% and other purposes 24.5%.
Its typical rate was 7.50%, against 6.75% at similar lenders, higher than at about four in five of them. Loans on manufactured homes usually carry higher rates than loans on site-built houses, and that could account for most of the difference.
Some 44.9% of its borrowers had low or moderate incomes (LMI), against 30.0% at the typical peer. Poorer neighborhoods (LMI tracts) took 32.0% of its loans, against 17.2%. Both are higher than at most similar lenders; its smaller loans, many on manufactured homes, are a possible reason.
It made 98 loans, the same as in 2024, while similar lenders grew 8%. In Hinesville its share rose to 0.2% from 0.1%, ranking 67 of 216 in a market led by Mortgage Research Center.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Interstate Credit Union took 191 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 32.7% · Refinance 29.6% · Other 24.5% · Home improvement 13.3%
Conventional 100.0% · of 98 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 | 98 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hinesville | 7 |
| Brunswick-St. Simons | 6 |
| Savannah | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z6CO0YC8ULYR28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 196882 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 518707 | 2012–2017 |
Established 1 January 1968. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Interstate Credit Union's data.
Interstate Credit Union's data
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Interstate 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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