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It made 171 loans in 2025, up from 123. Similar lenders, non-banks making between half and twice as many loans, grew by 2%; its growth was faster than at about five in six of them. It is still well short of its 2021 total of 390.
Applications / Mortgage Analytics / Lenders / Georgia / Credit Union Financial Services
Credit Union Financial Services
Decatur, GA · Non-bank lender · CFPB · 171 loans in 2025
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171
loans originated, 2025
218
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Credit Union Financial Services, a small Georgia lender of plain conventional loans, grew by 39% in 2025, faster than most similar lenders, and gained ground in Macon and Warner Robins.
Conventional, evenly split
Its lending is split almost evenly between purchases, 50.3%, and refinances, 47.4%. Conventional loans make up 95.9%, against 83.9% at similar lenders. Its typical loan is $225,000, against $325,000 for the group, and its typical rate is 5.75%, against 6.62%.
A wider reach than its peers
Low- and moderate-income borrowers took 30.0% of its loans, against 23.0% at similar lenders. Majority-minority neighborhoods took 29.2%, a higher share than at about two-thirds of them, whose typical figure is 17.2%. Smaller loans may suit buyers of more modest homes.
Gaining in middle Georgia
It has lent in Georgia since 2006 and works in only two states. In Macon its share rose to 0.5% from 0.2%, ranking it 38 of 328 lenders; Rocket Mortgage leads there. In Warner Robins its share rose to 0.2% from 0.1%.
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
171 loans in 2025, against a peak of 390 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Credit Union Financial Services took 218 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
50.3% of its 2025 loans were purchase loans; 95.9% were conventional loans.
Purchase 50.3% · Refinance 47.4% · Home improvement 2.3%
Conventional 95.9% · USDA (RHS or FSA) 1.8% · FHA 1.2% · VA 1.2% · of 171 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
2 states, 15 metros, 61 counties
| State | Loans | Share |
|---|---|---|
| Georgia | 165 | 96.5% |
| Alabama | 6 | 3.5% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 52 |
| Macon-Bibb County | 25 |
| Marietta | 14 |
| Warner Robins | 13 |
| Gainesville | 7 |
| Rome | 6 |
| Athens-Clarke County | 4 |
| Savannah | 4 |
| Valdosta | 3 |
| Auburn-Opelika | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VKT6APHQW3YT06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3914395 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5510415301 | |
| Respondent ID (the HMDA filer code before 2018) | 7510415301 | 2006–2008 |
Established 28 February 2002. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Credit Union Financial Services's data.
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