Applications / Mortgage Analytics / Lenders / Georgia / Workmen's Circle Credit Union
Savannah, GA · Credit union · NCUA · $136 million assets · 90 loans in 2025
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90
loans originated, 2025
96
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Workmen's Circle Credit Union, a Savannah lender that has reported since 1994, lends far more in poorer and majority-minority neighborhoods than similar credit unions, though its loans fell by about a fifth in 2025.
In 2025, 42.2% of its loans went to low- and moderate-income (LMI) neighborhoods, against 17.2% at similar lenders (credit unions making between half and twice as many loans), higher than at nearly all of them. Another measure points the same way: 44.4% went to majority-minority neighborhoods, against 9.2%. Yet only 19.3% of its borrowers had LMI incomes, lower than at four in five peers, so it lends in poorer areas without lending mainly to poorer households.
Its typical loan was $170,000, against $95,000 at similar lenders and $100,000 at the credit union five years before. Refinances made up 40.0% of its loans, home improvement 24.4% and purchases 21.1%.
Its loans fell 22%, to 90, while similar lenders grew 7%. Its share of the Savannah market slipped from 0.8% to 0.6%, leaving it 40th of 469 lenders. At this size the fall may reflect fewer applications from members rather than a change of course.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Workmen's Circle Credit Union took 96 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 40.0% · Home improvement 24.4% · Purchase 21.1% · Other 14.4%
Conventional 100.0% · of 90 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 | 90 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Savannah | 87 |
| Hinesville | 2 |
| Athens-Clarke County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TW8OMXXV334D32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1995 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567892 | 1994–2017 |
Established 1 January 1988. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Workmen's Circle Credit Union's data.
Workmen's Circle Credit Union's data
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Workmen's Circle 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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