# GEORGIA UNITED

> **Canonical URL:** https://saferate.com/lenders/georgia-united


> **📋 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


GEORGIA UNITED is a credit union, headquartered in Duluth, GA, serving borrowers across 6 states, with 206 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 71% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300TE5E6DWAI74K71
- **Headquarters:** Duluth, GA
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** FL, GA, IN, NC, SC, TN
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.207%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,136
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 206
- **Dollar Volume:** $62 million
- **Applications Received:** 422
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $299,806
- **Average Borrower Income:** $122,102
- **Average Property Value:** $401,117

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 198 | +0.225% | $3,077 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 147 loans, Score: 61/100 (Strong)
- Refinance: 51 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 58/100 | 152 | $49M | +0.199% | Sound ☺️ |
| Refinance | 63/100 | 54 | $13M | +0.230% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 198 | 0.14% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 76 | 68/100 |
| Dalton, GA | GA | 66 | 96/100 |
| Non |  | 28 | 38/100 |
| Marietta, GA | GA | 14 | 48/100 |

## Where This Lender Ranks

GEORGIA UNITED appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Dalton, GA for Conventional Loans
  - [View Full Rankings](https://saferate.com/dalton-ga/best-mortgage-lenders/conventional-loans)
- 🏆 **#16** in Dalton, GA
  - [View Full Rankings](https://saferate.com/dalton-ga/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does GEORGIA UNITED offer?

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

### Where does GEORGIA UNITED offer mortgages?

GEORGIA UNITED offers mortgages in 6 states: FL, GA, IN, NC, SC, TN.

### How competitive are GEORGIA UNITED's mortgage rates?

GEORGIA UNITED has a pricing score of 29/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.207% above market average.

### What type of lender is GEORGIA UNITED?

GEORGIA UNITED is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Duluth, GA.

### What is GEORGIA UNITED's loan approval success rate?

GEORGIA UNITED has a pull-through score of 36/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/georgia-united

### How to Cite

> "GEORGIA UNITED Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/georgia-united

---

**[View Interactive Profile →](https://saferate.com/lenders/georgia-united)**