# ATLANTA POSTAL

> **Canonical URL:** https://saferate.com/lenders/atlanta-postal


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ATLANTA POSTAL is a credit union, headquartered in Atlanta, GA, serving borrowers across 14 states, with 71 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 51% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 79% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300JGK6WNKYXQ0821
- **Headquarters:** Atlanta, GA
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AL, AR, CA, FL, GA, KY, MD, MI, NC, OK, PA, SC, TN, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.003%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,027
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 71
- **Dollar Volume:** $23 million
- **Applications Received:** 213
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $326,268
- **Average Borrower Income:** $151,197
- **Average Property Value:** $526,972

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 24/100 | 63 | +0.007% | $1,961 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 47 loans, Score: 24/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 25/100 | 53 | $18M | -0.073% | Acceptable 🙂 |
| Refinance | 25/100 | 18 | $5M | +0.173% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 42 | 0.03% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 21 | 55/100 |
| Non |  | 12 | 30/100 |
| Marietta, GA | GA | 10 | 47/100 |

## Frequently Asked Questions

### What loan types does ATLANTA POSTAL offer?

ATLANTA POSTAL offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ATLANTA POSTAL offer mortgages?

ATLANTA POSTAL offers mortgages in 14 states: AL, AR, CA, FL, GA, KY, MD, MI, NC, OK, PA, SC, TN, TX.

### How competitive are ATLANTA POSTAL's mortgage rates?

ATLANTA POSTAL has a pricing score of 49/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.003% below market average.

### What type of lender is ATLANTA POSTAL?

ATLANTA POSTAL is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Atlanta, GA.

### What is ATLANTA POSTAL's loan approval success rate?

ATLANTA POSTAL has a pull-through score of 21/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/atlanta-postal

### How to Cite

> "ATLANTA POSTAL Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/atlanta-postal

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