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Credit Union Financial Services, LLC

Decatur, GA

Credit Union Financial Services, LLC processed 155 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 123 loans with a 1.3% denial rate. Home Purchase was the primary loan purpose. Based in Decatur, GA. The approval rate of 79.4% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Credit Union Financial Services, LLC's 79.4% origination rate tells you how often an application turned into funded money; the 1.3% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Unverifiable information, which together explain the majority of rejections. Most activity concentrated in Conventional loans (150 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

155
Applications
123
Originated
1.3%
Denial Rate
$247,323
Avg Loan Amount
Avg Interest Rate: 6.472% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 150 120 2 $245,800
USDA 3 2 0 $208,333
VA 2 1 0 $420,000

Top loan types - Credit Union Financial Services, LLC

Top loan types - Credit Union Financial Services, LLC Horizontal bar chart of the top 3 items by value (applications). Top loan types - Credit Union Financial Services, LLC Top 3 1. Conventional 150 2. USDA 3 3. VA 2 Top 5 loan types by application volume at Credit Union Financial Services, LLC (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Credit Union Financial Services, LLC (LEI: 549300VKT6APHQW3YT06) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
1
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 73 60 $278,699
Cash-out Refinancing 59 44 $188,559
Refinancing 19 15 $275,526
Home Improvement 4 4 $407,500

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 89 86.5% 0.0%
Black or African American 54 68.5% 3.7%
Asian * 7 57.1% 0.0%
Joint * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 136 78.7% 1.5%
Hispanic or Latino * 7 85.7% 0.0%
Joint * 4 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in GA

Other HMDA-reporting lenders in GA with similar activity. Compare any two side-by-side.

Amerisave Mortgage Company

SANDY SPRINGS, GA

107,775 apps 16,102 originated 69.0% denied

Ameris Bank

Atlanta, GA

20,452 apps 14,604 originated 7.8% denied

Equity Prime Mortgage LLC

Atlanta, GA

18,565 apps 10,954 originated 3.6% denied

Renasant Bank

JOHNS CREEK, GA

10,267 apps 7,420 originated 9.3% denied

Synovus Bank

COLUMBUS, GA

8,388 apps 5,114 originated 21.6% denied
Compare Credit Union Financial Services, LLC vs Amerisave Mortgage Company →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Credit Union Financial Services, LLC process?
Credit Union Financial Services, LLC processed 155 mortgage applications in the 2024 HMDA reporting year. Of these, 123 were originated (approved and funded), 19 were withdrawn by the applicant, and 2 were denied.
What is Credit Union Financial Services, LLC's mortgage approval rate?
Credit Union Financial Services, LLC has an approval (origination) rate of 79.4%, meaning 79.4% of all applications resulted in a funded mortgage. The denial rate is 1.3%.
What is the average loan amount at Credit Union Financial Services, LLC?
The average mortgage loan amount at Credit Union Financial Services, LLC is $247,323. The average interest rate is 6.472%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at Credit Union Financial Services, LLC?
The most common reasons for mortgage denial at Credit Union Financial Services, LLC are: Credit history, Unverifiable information. In total, 2 applications were denied out of 155 total applications.
What types of mortgage loans does Credit Union Financial Services, LLC offer?
Credit Union Financial Services, LLC processes Conventional, USDA, VA loans. The most common type is Conventional with 150 applications and an average loan amount of $245,800.
What loan purposes does Credit Union Financial Services, LLC serve?
Credit Union Financial Services, LLC serves the following loan purposes: Home Purchase (73 applications), Cash-out Refinancing (59 applications), Refinancing (19 applications), Home Improvement (4 applications). Home Purchase is the most common purpose.
Where is Credit Union Financial Services, LLC located?
Credit Union Financial Services, LLC is headquartered in Decatur, GA. The lender is identified by LEI 549300VKT6APHQW3YT06 in HMDA data.
How does Credit Union Financial Services, LLC compare in lending across racial demographics?
Credit Union Financial Services, LLC reports demographic lending data under HMDA requirements. White applicants have an approval rate of 86.5% and denial rate of 0.0%; Black or African American applicants have an approval rate of 68.5% and denial rate of 3.7%; Asian applicants have an approval rate of 57.1% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.