Atlanta Postal Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Atlanta Postal Credit Union of Atlanta, GA reported 1,644 mortgage applications totaling $155.9 million, up 58% from 2024. The average application was for $94,799, and applicants reported an average income of $92,489. 27% of its applications resulted in an originated loan and 42% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (619), Marietta, GA (84) and Savannah, GA (56) (applications in parentheses).

Mortgage Company & Address Atlanta Postal Credit Union
1605 Boggs Road
Atlanta, GA 30354
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,644
Total Mortgage Loan Application Amount $155,850,000
Average Mortgage Loan Application Amount $94,799
Highest Mortgage Loan Application Amount $1,005,000
Average Applicant Income $92,489
Highest Applicant Income $2,537,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Atlanta Postal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Atlanta Postal Credit Union by Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Atlanta-Sandy Springs-Roswell, GA 619 $ 76,905,000 $ 124,240 $ 103,000
Outside any metro area 374 $ 25,640,000 $ 68,556 $ 90,763
Marietta, GA 84 $ 9,530,000 $ 113,452 $ 107,000
Savannah, GA 56 $ 2,060,000 $ 36,785 $ 36,000
Columbus, GA-AL 43 $ 3,465,000 $ 80,581 $ 80,604
Macon-Bibb County, GA 22 $ 1,960,000 $ 89,090 $ 89,000
Hilton Head Island-Bluffton-Beaufort, SC 18 $ 650,000 $ 36,111 $ 32,000
Athens-Clarke County, GA 17 $ 1,765,000 $ 103,823 $ 83,000
Charlotte-Concord-Gastonia, NC-SC 15 $ 705,000 $ 47,000 $ 73,600
Greenville-Anderson-Mauldin, SC 15 $ 2,425,000 $ 161,666 $ 291,000
Birmingham-Hoover, AL 12 $ 1,650,000 $ 137,500 $ 120,000
Hinesville, GA 12 $ 430,000 $ 35,833 $ 14,000
Raleigh, NC 11 $ 2,145,000 $ 195,000 $ 86,000
Rome, GA 11 $ 605,000 $ 55,000 $ 42,000
Charleston-North Charleston, SC 10 $ 90,000 $ 9,000 $ 29,000
Asheville, NC 9 $ 1,065,000 $ 118,333 $ 96,000
Brunswick, GA 8 $ 460,000 $ 57,500 $ 40,000
Albany, GA 7 $ 375,000 $ 53,571 $ 66,000
Augusta-Richmond County, GA-SC 7 $ 55,000 $ 7,857 $ 12,857
Chattanooga, TN-GA 7 $ 1,015,000 $ 145,000 $ 78,571
Chicago-Naperville, IL 7 $ 515,000 $ 73,571 $ 94,000
Gainesville, GA 7 $ 665,000 $ 95,000 $ 127,000
Warner Robins, GA 7 $ 265,000 $ 37,857 $ 91,000
West Palm Beach-Boca Raton-Delray Beach, FL 7 $ 1,215,000 $ 173,571 $ 102,000
Auburn-Opelika, AL 6 $ 350,000 $ 58,333 $ 109,000
Jackson, MS 6 $ 30,000 $ 5,000 $ 0
Jacksonville, FL 6 $ 410,000 $ 68,333 $ 106,000
New York-Jersey City-White Plains, NY-NJ 6 $ 50,000 $ 8,333 $ 0
St. Louis, MO-IL 6 $ 260,000 $ 43,333 $ 40,000
Los Angeles-Long Beach-Glendale, CA 5 $ 215,000 $ 43,000 $ 140,000
Phoenix-Mesa-Scottsdale, AZ 5 $ 205,000 $ 41,000 $ 60,000
Pittsburgh, PA 5 $ 175,000 $ 35,000 $ 71,000
Arlington-Alexandria-Reston, VA-WV 4 $ 820,000 $ 205,000 $ 300,000
Baltimore-Columbia-Towson, MD 4 $ 130,000 $ 32,500 $ 105,000
Cincinnati, OH-KY-IN 4 $ 530,000 $ 132,500 $ 72,666
Greensboro-High Point, NC 4 $ 300,000 $ 75,000 $ 64,000
Indianapolis-Carmel-Anderson, IN 4 $ 90,000 $ 22,500 $ 45,000
Little Rock-North Little Rock-Conway, AR 4 $ 590,000 $ 147,500 $ 41,000
New Orleans-Metairie, LA 4 $ 670,000 $ 167,500 $ 98,000
Tallahassee, FL 4 $ 380,000 $ 95,000 $ 92,000
Winston-Salem, NC 4 $ 230,000 $ 57,500 $ 130,000
Baton Rouge, LA 3 $ 235,000 $ 78,333 $ 60,000
Burlington, NC 3 $ 375,000 $ 125,000 $ 141,000
Cambridge-Newton-Framingham, MA 3 $ 255,000 $ 85,000 $ 95,000
Camden, NJ 3 $ 95,000 $ 31,666 $ 49,000
Deltona-Daytona Beach-Ormond Beach, FL 3 $ 105,000 $ 35,000 $ 47,000
Dothan, AL 3 $ 375,000 $ 125,000 $ 76,000
Fayetteville-Springdale-Rogers, AR-MO 3 $ 305,000 $ 101,666 $ 141,000
Houston-The Woodlands-Sugar Land, TX 3 $ 445,000 $ 148,333 $ 92,000
Knoxville, TN 3 $ 345,000 $ 115,000 $ 46,000
Memphis, TN-MS-AR 3 $ 415,000 $ 138,333 $ 76,666
Nashville-Davidson--Murfreesboro--Franklin, TN 3 $ 525,000 $ 175,000 $ 72,000
North Port-Sarasota-Bradenton, FL 3 $ 715,000 $ 238,333 $ 100,000
Omaha-Council Bluffs, NE-IA 3 $ 135,000 $ 45,000 $ 166,000
Orlando-Kissimmee-Sanford, FL 3 $ 55,000 $ 18,333 $ 89,000
Riverside-San Bernardino-Ontario, CA 3 $ 215,000 $ 71,666 $ 110,000
Sebastian-Vero Beach, FL 3 $ 475,000 $ 158,333 $ 114,000
Spartanburg, SC 3 $ 235,000 $ 78,333 $ 120,000
Tampa, FL 3 $ 115,000 $ 38,333 $ 117,000
Anchorage, AK 2 $ 280,000 $ 140,000 $ 44,000
Anniston-Oxford-Jacksonville, AL 2 $ 180,000 $ 90,000 $ 48,000
Bowling Green, KY 2 $ 80,000 $ 40,000 $ 150,000
Bridgeport-Stamford-Norwalk, CT 2 $ 250,000 $ 125,000 $ 202,000
Charleston, WV 2 $ 130,000 $ 65,000 $ 61,000
Clarksville, TN-KY 2 $ 110,000 $ 55,000 $ 42,000
Columbia, SC 2 $ 280,000 $ 140,000 $ 183,000
Dallas-Plano-Irving, TX 2 $ 550,000 $ 275,000 $ 129,000
Dalton, GA 2 $ 170,000 $ 85,000 $ 46,000
Daphne-Fairhope-Foley, AL 2 $ 170,000 $ 85,000 $ 109,000
Denver-Aurora-Lakewood, CO 2 $ 90,000 $ 45,000 $ 0
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 2 $ 190,000 $ 95,000 $ 0
Hammond, LA 2 $ 180,000 $ 90,000 $ 119,000
Homosassa Springs, FL 2 $ 110,000 $ 55,000 $ 45,000
Huntsville, AL 2 $ 390,000 $ 195,000 $ 95,000
Lake County-Kenosha County, IL-WI 2 $ 140,000 $ 70,000 $ 130,000
Miami-Miami Beach-Kendall, FL 2 $ 10,000 $ 5,000 $ 0
Ocala, FL 2 $ 210,000 $ 105,000 $ 61,000
Oklahoma City, OK 2 $ 80,000 $ 40,000 $ 73,000
Punta Gorda, FL 2 $ 80,000 $ 40,000 $ 90,000
Sebring, FL 2 $ 120,000 $ 60,000 $ 52,000
Spokane-Spokane Valley, WA 2 $ 60,000 $ 30,000 $ 111,000
Syracuse, NY 2 $ 350,000 $ 175,000 $ 100,000
Tuscaloosa, AL 2 $ 10,000 $ 5,000 $ 0
Valdosta, GA 2 $ 30,000 $ 15,000 $ 0
Akron, OH 1 $ 65,000 $ 65,000 $ 92,000
Albuquerque, NM 1 $ 5,000 $ 5,000 $ 0
Atlantic City-Hammonton, NJ 1 $ 65,000 $ 65,000 $ 192,000
Bakersfield, CA 1 $ 95,000 $ 95,000 $ 118,000
Bloomington, IN 1 $ 115,000 $ 115,000 $ 83,000
Boise City, ID 1 $ 5,000 $ 5,000 $ 0
Burlington-South Burlington, VT 1 $ 5,000 $ 5,000 $ 0
Canton-Massillon, OH 1 $ 5,000 $ 5,000 $ 0
Cape Coral-Fort Myers, FL 1 $ 235,000 $ 235,000 $ 162,000
Cedar Rapids, IA 1 $ 5,000 $ 5,000 $ 0
Chico, CA 1 $ 205,000 $ 205,000 $ 72,000
Cleveland, OH 1 $ 5,000 $ 5,000 $ 0
Colorado Springs, CO 1 $ 655,000 $ 655,000 $ 156,000
Detroit-Dearborn-Livonia, MI 1 $ 5,000 $ 5,000 $ 0
Dover, DE 1 $ 45,000 $ 45,000 $ 35,000
Duluth, MN-WI 1 $ 25,000 $ 25,000 $ 0
Durham-Chapel Hill, NC 1 $ 105,000 $ 105,000 $ 105,000
Eau Claire, WI 1 $ 135,000 $ 135,000 $ 82,000
Evansville, IN-KY 1 $ 5,000 $ 5,000 $ 0
Fayetteville, NC 1 $ 45,000 $ 45,000 $ 58,000
Florence, SC 1 $ 25,000 $ 25,000 $ 0
Fort Smith, AR-OK 1 $ 95,000 $ 95,000 $ 168,000
Gadsden, AL 1 $ 5,000 $ 5,000 $ 0
Gainesville, FL 1 $ 105,000 $ 105,000 $ 0
Goldsboro, NC 1 $ 95,000 $ 95,000 $ 85,000
Greeley, CO 1 $ 105,000 $ 105,000 $ 25,000
Gulfport-Biloxi-Pascagoula, MS 1 $ 75,000 $ 75,000 $ 27,000
Hattiesburg, MS 1 $ 5,000 $ 5,000 $ 0
Hot Springs, AR 1 $ 115,000 $ 115,000 $ 82,000
Huntington-Ashland, WV-KY-OH 1 $ 5,000 $ 5,000 $ 0
Johnstown, PA 1 $ 25,000 $ 25,000 $ 0
Jonesboro, AR 1 $ 65,000 $ 65,000 $ 60,000
Kansas City, MO-KS 1 $ 45,000 $ 45,000 $ 70,000
Kingston, NY 1 $ 125,000 $ 125,000 $ 99,000
Kiryas Joel-Poughkeepsie-Newburgh, NY 1 $ 45,000 $ 45,000 $ 94,000
Lafayette, LA 1 $ 75,000 $ 75,000 $ 77,000
Lafayette-West Lafayette, IN 1 $ 45,000 $ 45,000 $ 84,000
Las Vegas-Henderson-Paradise, NV 1 $ 5,000 $ 5,000 $ 0
Lawrence, KS 1 $ 35,000 $ 35,000 $ 66,000
Lexington-Fayette, KY 1 $ 145,000 $ 145,000 $ 86,000
Longview, WA 1 $ 35,000 $ 35,000 $ 47,000
Louisville/Jefferson County, KY-IN 1 $ 5,000 $ 5,000 $ 0
Lynchburg, VA 1 $ 155,000 $ 155,000 $ 72,000
Medford, OR 1 $ 245,000 $ 245,000 $ 62,000
Missoula, MT 1 $ 475,000 $ 475,000 $ 256,000
Modesto, CA 1 $ 75,000 $ 75,000 $ 128,000
Montgomery County-Bucks County-Chester County, PA 1 $ 95,000 $ 95,000 $ 281,000
Montgomery, AL 1 $ 5,000 $ 5,000 $ 0
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 1 $ 5,000 $ 5,000 $ 0
Nassau County-Suffolk County, NY 1 $ 5,000 $ 5,000 $ 0
Newark, NJ-PA 1 $ 55,000 $ 55,000 $ 89,000
Oakland-Hayward-Berkeley, CA 1 $ 5,000 $ 5,000 $ 0
Ogden-Clearfield, UT 1 $ 5,000 $ 5,000 $ 0
Palm Bay-Melbourne-Titusville, FL 1 $ 25,000 $ 25,000 $ 0
Panama City, FL 1 $ 135,000 $ 135,000 $ 171,000
Philadelphia, PA 1 $ 5,000 $ 5,000 $ 0
Portland-Vancouver-Hillsboro, OR-WA 1 $ 85,000 $ 85,000 $ 115,000
Richmond, VA 1 $ 5,000 $ 5,000 $ 0
Sacramento--Roseville--Arden-Arcade, CA 1 $ 5,000 $ 5,000 $ 0
San Francisco-Redwood City-South San Francisco, CA 1 $ 5,000 $ 5,000 $ 0
Scranton--Wilkes-Barre--Hazleton, PA 1 $ 5,000 $ 5,000 $ 0
Springfield, MA 1 $ 85,000 $ 85,000 $ 64,000
St. Petersburg-Clearwater-Largo, FL 1 $ 5,000 $ 5,000 $ 0
Sumter, SC 1 $ 5,000 $ 5,000 $ 0
Terre Haute, IN 1 $ 65,000 $ 65,000 $ 121,000
Toledo, OH 1 $ 5,000 $ 5,000 $ 0
Topeka, KS 1 $ 5,000 $ 5,000 $ 0
Trenton, NJ 1 $ 5,000 $ 5,000 $ 0
Tulsa, OK 1 $ 205,000 $ 205,000 $ 138,000
Washington, DC-MD 1 $ 65,000 $ 65,000 $ 171,000
Wausau, WI 1 $ 5,000 $ 5,000 $ 0
Wildwood-The Villages, FL 1 $ 65,000 $ 65,000 $ 0
Wilmington, DE-MD-NJ 1 $ 45,000 $ 45,000 $ 134,000
Wilmington, NC 1 $ 25,000 $ 25,000 $ 64,000

Mortgage Loan Application Detail Totals for Atlanta Postal Credit Union in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Cash-out Refinancing 1,383 $92,675,000 $67,000 $1,005,000 $84,000 $676,000
Home Purchase 198 $52,110,000 $263,000 $965,000 $144,000 $2,537,000
Refinancing 51 $9,375,000 $183,000 $635,000 $119,000 $466,000
Other Purpose 8 $840,000 $105,000 $255,000 $106,000 $192,000
Home Improvement 4 $850,000 $212,000 $305,000 $113,000 $185,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not Provided 813 $37,935,000 $46,000 $655,000 $68,000 $2,537,000
White 435 $60,605,000 $139,000 $1,005,000 $112,000 $562,000
Black or African American 315 $41,245,000 $130,000 $675,000 $96,000 $600,000
Hispanic 48 $7,760,000 $161,000 $765,000 $102,000 $255,000
Asian 26 $7,540,000 $290,000 $805,000 $218,000 $1,032,000
American Indian or Alaskan Native 5 $685,000 $137,000 $235,000 $101,000 $196,000
Native Hawaiian or Other Pacific Islander 2 $80,000 $40,000 $55,000 $85,000 $101,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,639 $154,415,000 $94,000 $1,005,000 $95,000 $2,537,000
VA-guaranteed (Veterans Administration) 4 $1,410,000 $352,000 $385,000 $103,000 $124,000
FHA-insured (Federal Housing Administration) 1 $25,000 $25,000 $25,000 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Application Denied By Financial Institution 696 $35,340,000 $50,000 $765,000 $84,000 $600,000
Loan Originated 441 $66,735,000 $151,000 $965,000 $129,000 $2,537,000
File Closed For Incompleteness 306 $21,890,000 $71,000 $635,000 $46,000 $309,000
Application Withdrawn By Applicant 172 $27,350,000 $159,000 $1,005,000 $113,000 $1,032,000
Application Approved But Not Accepted 29 $4,535,000 $156,000 $525,000 $92,000 $190,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 948 $120,510,000 $127,000 $1,005,000 $99,000 $2,537,000
Credit Application Incomplete 412 $4,960,000 $12,000 $365,000 $82,000 $421,000
Debt-To-Income Ratio 113 $14,135,000 $125,000 $485,000 $76,000 $387,000
Credit History 93 $8,725,000 $93,000 $475,000 $90,000 $600,000
Other 37 $3,175,000 $85,000 $255,000 $99,000 $240,000
Collateral 28 $3,030,000 $108,000 $765,000 $94,000 $218,000
Unverifiable Information 8 $980,000 $122,000 $245,000 $46,000 $110,000
Employment History 4 $250,000 $62,000 $105,000 $73,000 $138,000
Insufficient Cash (Downpayment, Closing Cost) 1 $85,000 $85,000 $85,000 $23,000 $23,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Atlanta Postal Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Atlanta Postal Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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