A sudden jump
Its loans rose 444%, against 7% at similar lenders, credit unions making between half and twice as many loans. Almost none of them grew faster. Its previous high since 2018 was 51 loans, in 2021.
Applications / Mortgage Analytics / Lenders / Georgia / MyGeorgia Credit Union
MyGeorgia Credit Union
Gainesville, GA · Credit union · NCUA · $243 million assets · 87 loans in 2025
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87
loans originated, 2025
148
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MyGeorgia Credit Union is a home-improvement lender, and a fast-growing one: it made 87 loans in 2025, more than five times its 16 in 2024.
Home improvement first
Home-improvement loans were 60.9% of its total and other purposes 27.6%; home purchases were only 3.4%. These tend to be small loans, which may be why its typical loan was $65,000, against $95,000 at similar lenders.
Rates follow the product
Its typical rate was 7.50%, higher than at about four in five similar lenders, whose typical rate was 6.75%. Home-improvement and other-purpose loans may carry higher rates than first mortgages, which could account for the difference. Its share of higher-priced loans, those with a rate well above the average for similar loans, was 3.5%, the same as its peers'.
Gaining at home
In Gainesville, its largest market, its share rose from 0.1% to 0.2%, placing it 105 of 336 lenders. It has lent there since 2010.
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
87 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MyGeorgia Credit Union took 148 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
60.9% of its 2025 loans were home improvement loans; all were conventional loans.
Home improvement 60.9% · Other 27.6% · Refinance 8.0% · Purchase 3.4%
Conventional 100.0% · of 87 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
1 state, 4 metros, 18 counties
| State | Loans | Share |
|---|---|---|
| Georgia | 87 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Gainesville | 29 |
| Atlanta-Sandy Springs-Roswell | 8 |
| Athens-Clarke County | 7 |
| Marietta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007MURRUYDI58M87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 913986 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568602 | 2010–2017 |
Established 1 January 1971. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: MyGeorgia Credit Union's data.
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