# PEACH STATE FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/peach-state-federal-credit-union

> **📋 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

PEACH STATE FEDERAL CREDIT UNION is a credit union, headquartered in Lawrenceville, GA, serving borrowers across 5 states, with 55 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 65% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 75% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300BYOVJ9X6PKXV28
- **Headquarters:** Lawrenceville, GA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** FL, GA, PA, SC, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.538%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,692
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 55
- **Dollar Volume:** $16 million
- **Applications Received:** 125
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $293,545
- **Average Borrower Income:** $130,345

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 21/100 | 55 | -0.538% | $4,692 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 31 loans, Score: 20/100 (Acceptable)
- Refinance: 24 loans, Score: 34/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 21/100 | 31 | $10M | -0.449% | Acceptable 🙂 |
| Refinance | 30/100 | 24 | $6M | -0.654% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 46 | 0.03% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 23 | 41/100 |
| Atlanta | GA | 13 | 49/100 |

## Frequently Asked Questions

### What loan types does PEACH STATE FEDERAL CREDIT UNION offer?

PEACH STATE FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PEACH STATE FEDERAL CREDIT UNION offer mortgages?

PEACH STATE FEDERAL CREDIT UNION offers mortgages in 5 states: FL, GA, PA, SC, TN.

### How competitive are PEACH STATE FEDERAL CREDIT UNION's mortgage rates?

PEACH STATE FEDERAL CREDIT UNION has a pricing score of 35/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.538% below market average.

### What type of lender is PEACH STATE FEDERAL CREDIT UNION?

PEACH STATE FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Lawrenceville, GA.

### What is PEACH STATE FEDERAL CREDIT UNION's loan approval success rate?

PEACH STATE FEDERAL CREDIT UNION has a pull-through score of 25/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/peach-state-federal-credit-union

### How to Cite

> "PEACH STATE FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/peach-state-federal-credit-union

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