Applications / Mortgage Analytics / Lenders / Georgia / Coosa Valley Credit Union
Rome, GA · Credit union · NCUA · $717 million assets · 25 loans in 2025
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25
loans originated, 2025
25
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Coosa Valley Credit Union, a Rome, Georgia, credit union with $717 million in assets, now buys more home loans than it makes: it bought 38 in 2025 and made 25.
It bought 38 loans in 2025 and 42 in 2024. The typical similar lender, a credit union making between half and twice as many loans, bought none. Buying loans lets a lender hold mortgages without making them, though the data do not say why it chose to.
It made 191 loans in 2018 and 287 in 2020, then 48 in 2022 and 25 in 2025. Its loans fell 19% from 31, while similar lenders fell 5% and the whole market grew 10%. The record does not say why; one possibility is that it now adds mortgages by buying them rather than making them. Its 25 loans split almost evenly between refinances, 52.0%, and purchases, 48.0%, too few to compare its loan sizes or neighborhoods with its peers.
Rome is its home market, where it has lent since 1995. It ranked 69 of 233 lenders there, with 0.2% of lending, down from 0.6%. One possible reason is the fall in its own originations. Rocket Mortgage led Rome, ahead of United Community Bank.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Coosa Valley Credit Union took 25 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.0% · Purchase 48.0%
Conventional 100.0% · of 25 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 | 22 | 88.0% |
| Florida | 2 | 8.0% |
| Alabama | 1 | 4.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Marietta | 11 |
| Rome | 8 |
| Chattanooga | 2 |
| Panama City-Panama City Beach | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300512TZWD1YUA619 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1000388 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59488 | 1991–2016 |
| Respondent ID (the HMDA filer code before 2018) | 568683 | 2017–2017 |
Established 1 January 1954. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Coosa Valley Credit Union's data.
Coosa Valley Credit Union's data
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Coosa Valley 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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