Lender in Georgia · HMDA 2025
Navy Federal Credit Union mortgages in Georgia
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
Navy Federal Credit Union originated 1,835 owner-occupied single-family loans in Georgia from 2,469 completed applications, making it the state's #14 lender by volume.
Its median conventional purchase loan costs were $4,250 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.75% (Georgia: 6.624%).
Loans in GA
1,835
of 2,469 applications
Denial rate
13.5%
Purchase · GA 9.9%
Rate spread
+0.05 pts
Conv. · GA +0.13 pts
Loan amount
$315,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,612 | 1,379 | 13.5% | 6.750% | +0.05 pts | $4,250 | $315,000 |
| Refinance | 277 | 169 | 36.5% | 6.125% | −0.32 pts | $2,670 | $345,000 |
| Cash-out refinance | 580 | 287 | 50.0% | 6.875% | +0.10 pts | $2,340 | $265,000 |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where Navy Federal Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 78.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Camden County | 2 | 90 | 6.4% |
| Charlton County | 4 | 3 | 4.3% |
| Washington County | 4 | 3 | 3.7% |
| Atkinson County | 4 | 1 | 5.6% |
| Gilmer County | 5 | 12 | 2.6% |
| Brantley County | 5 | 4 | 3.5% |
| Turner County | 5 | 2 | 4.3% |
| Chattahoochee County | 5 | 1 | 5.0% |
| Heard County | 6 | 4 | 2.6% |
| Terrell County | 6 | 2 | 2.9% |
| Stewart County | 6 | 1 | 5.3% |
| McIntosh County | 7 | 5 | 2.4% |
| Crisp County | 7 | 4 | 3.6% |
| Treutlen County | 7 | 1 | 4.8% |
| Liberty County | 8 | 59 | 3.9% |
| Long County | 8 | 30 | 4.1% |
| Columbia County | 9 | 107 | 3.3% |
| Richmond County | 9 | 63 | 2.9% |
| Crawford County | 9 | 2 | 2.3% |
| Schley County | 9 | 1 | 2.2% |
| Lee County | 10 | 19 | 3.5% |
| Lanier County | 10 | 5 | 2.8% |
| Toombs County | 10 | 3 | 2.3% |
| Bacon County | 10 | 1 | 2.5% |
| Bryan County | 11 | 28 | 2.3% |
| Bulloch County | 11 | 15 | 1.8% |
| Dougherty County | 11 | 13 | 2.2% |
| Stephens County | 11 | 7 | 1.9% |
| McDuffie County | 11 | 5 | 2.2% |
| Sumter County | 11 | 2 | 1.3% |
- Navy Federal Credit Union nationwide
- Georgia mortgage market
- Navy Federal Credit Union in Florida
- Navy Federal Credit Union in Virginia
- Navy Federal Credit Union in Texas
- Navy Federal Credit Union in North Carolina
- Navy Federal Credit Union in Maryland
- Navy Federal Credit Union in California
- Navy Federal Credit Union in South Carolina
- Navy Federal Credit Union in Pennsylvania
- Navy Federal Credit Union in Ohio
- Navy Federal Credit Union in Tennessee
- Navy Federal Credit Union in Washington
- Navy Federal Credit Union in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology