Applications / Mortgage Analytics / Lenders / Georgia / Kinetic Credit Union
Columbus, GA · Credit union · NCUA · $652 million assets · 70 loans in 2025
Kinetic Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
70
loans originated, 2025
136
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kinetic Credit Union, a Georgia credit union, is chiefly a home-improvement lender, and its loans fell by a fifth in 2025.
Home improvement accounted for 41.4% of its 70 loans and other purposes for 22.9%; purchases were only 12.9%. Its typical loan was $65,000, against $95,000 at similar credit unions (those making between half and twice as many loans).
Of its loans, 18.4% were higher-priced (a rate well above the average for similar loans), against 3.2% at its peers. Nearly two-thirds of its lending is home-improvement and other-purpose loans, which are small and often carry higher rates than first mortgages; that mix could account for most of the gap. Its typical rate was 7.11%, against 6.75%.
It made 70 loans, down 21% from 89, while its peers grew by 7%. Its share of the Columbus, AL-GA market fell to 0.4% from 0.6%, though it still ranks 45 of 318. Synovus Bank leads there. Fewer loans, rather than any change of market, may explain the slip.
Majority-minority neighborhoods took 17.1% of its loans, against 8.9% at its peers. Low- and moderate-income borrowers took 18.8%, against 30.9%; one possible reason is that most of its loans go to people who already own their homes.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kinetic Credit Union took 136 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 41.4% · Other 22.9% · Refinance 22.9% · Purchase 12.9%
Conventional 100.0% · of 70 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 | 65.7% |
| Alabama | 24 | 34.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 53 |
| Auburn-Opelika | 15 |
| Montgomery | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930020YFOV56MQ7B70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 807683 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510866 | 1997–2017 |
Established 1 January 1956. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Kinetic Credit Union's data.
Kinetic Credit Union's data
$215
Kinetic 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 Kinetic 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]