GEORGIA HERITAGE FEDERAL CREDIT UNION
GEORGIA HERITAGE FEDERAL CREDIT UNION received 103 applications in 2025 and made 71 mortgages, in 10 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $65,000. Of 82 decisions, 11 were denials — 13.4%, most often for credit history.
| Legal Entity Identifier | 54930058TT77ICBGRI91 |
|---|---|
| Applications received | 103 |
| Mortgages made | 71 |
| Denied | 11 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 21 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 70 | 7.500% | $65,000 | 13.6% |
Where GEORGIA HERITAGE FEDERAL CREDIT UNION lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Chatham County, GA | 29 | 7.500% | 19.4% |
| Effingham County, GA | 29 | 7.750% | 6.5% |
| Bryan County, GA | 8 | Under 10 loans | 11.1% |
| Bulloch County, GA | 2 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| Evans County, GA | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Liberty County, GA | 0 | Under 10 loans | Not published |
| Screven County, GA | 0 | Under 10 loans | 100.0% |
| Jasper County, SC | 0 | Under 10 loans | Not published |
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When GEORGIA HERITAGE FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.