Delta Community Credit Union Mortgage Rates, Fees & Info
Atlanta, GALEI: 549300Y4BSP3BSFW7J29
Tax ID: 58-0904765
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Mortgage Data
Review & Overview
Delta Community Credit Union is a smaller credit union specializing in Home Improvement and Home Purchase loans. Delta Community Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Atlanta, Gainesville, Cincinnati, Salt Lake City, and Miami among others. We have data for 113 markets. (Some data included below & more in-depth data is available with an active subscription.)Delta Community Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Delta Community Credit Union is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.65% | 4/19/24 |
| 30 Year Conventional Purchase | 6.39% | 4/19/24 |
| 30 Year Conventional Refi | 6.03% | 4/19/24 |
| 30 Year Cash-out Refi | 6.23% | 4/19/24 |
| 15 Year Conventional Purchase | 5.89% | 4/19/24 |
| 15 Year Conventional Refi | 5.51% | 4/19/24 |
| 15 Year Cash-out Refi | 5.51% | 4/19/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Delta Community Credit Union Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Delta Community Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,473Origination Dollar Volume (All Markets)
$544,325,000Awards
DELTA COMMUNITY CREDIT UNION - 2023
DELTA COMMUNITY CREDIT UNION is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Delta Community Credit Union's average 30 year fixed mortgage rate was
6.51%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.03%.
Relative Fees (Closing Costs)
Delta Community Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,032.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3,010 | $448,500,000 | $149,003 | $2,702 | 7.88% |
| Outside of Metro Areas | 41 | $10,265,000 | $250,366 | $5,321 | 7.35% |
| GAINESVILLE, GA (FHA|USDA|VA) | 64 | $8,480,000 | $132,500 | $1,841 | 8.12% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 32 | $3,940,000 | $123,125 | $2,805 | 7.76% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 12 | $3,860,000 | $321,667 | $3,528 | 7.15% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 13 | $3,225,000 | $248,077 | $6,616 | 7.56% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $2,885,000 | $577,000 | $10,871 | 6.15% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 11 | $2,825,000 | $256,818 | $3,804 | 7.19% |
| Alexander City, AL (FHA|USDA|VA) | 7 | $2,815,000 | $402,143 | $6,356 | 7.16% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 7 | $2,565,000 | $366,429 | $8,375 | 7.21% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 11 | $2,545,000 | $231,364 | $6,669 | 7.23% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 7 | $2,265,000 | $323,571 | $3,387 | 7.50% |
| LaGrange, GA-AL (FHA|USDA|VA) | 13 | $2,205,000 | $169,615 | $4,747 | 7.33% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $2,015,000 | $403,000 | $4,708 | 7.23% |
| Jefferson, GA (FHA|USDA|VA) | 14 | $1,950,000 | $139,286 | $2,762 | 8.10% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $1,850,000 | $462,500 | $8,039 | 7.41% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $1,790,000 | $447,500 | $7,714 | 6.88% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $1,700,000 | $425,000 | $5,831 | 6.19% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 8 | $1,670,000 | $208,750 | $5,562 | 7.86% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 10 | $1,560,000 | $156,000 | $2,882 | 7.68% |
| Heber, UT (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $9,562 | 7.31% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 7 | $1,495,000 | $213,571 | $5,966 | 7.95% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 7 | $1,415,000 | $202,143 | $8,552 | 7.70% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 6 | $1,370,000 | $228,333 | $2,422 | 7.63% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 9 | $1,205,000 | $133,889 | $3,089 | 7.06% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $8,221 | 7.84% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $3,445 | 7.43% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $7,579 | 6.54% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $4,016 | 7.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $12,185 | 7.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 7 | $825,000 | $117,857 | $1,012 | 7.88% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $10,186 | 6.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $13,365 | 5.38% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 6 | $770,000 | $128,333 | $3,285 | 7.44% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $6,781 | 8.17% |
| Boone, NC (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $9,917 | 6.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,662 | 6.88% |
| Key West, FL (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $4,221 | 6.00% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $316 | 7.94% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $2,493 | 7.96% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $5,125 | 7.21% |
| AKRON, OH (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $8,446 | 7.69% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $3,187 | 6.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $1,109 | 8.18% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,197 | 7.56% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 7.75% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,131 | 6.31% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $8,174 | 5.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $1,249 | 6.71% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,483 | 7.44% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,117 | 7.38% |
| Cullowhee, NC (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $5,529 | 7.67% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,861 | 6.50% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,014 | 6.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $355,000 | $71,000 | $437 | 8.35% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,385 | 6.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,106 | 6.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,002 | 6.63% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,261 | 6.38% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,213 | 6.63% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,788 | 7.25% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,496 | 7.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $596 | 8.38% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,859 | 6.38% |
| Seneca, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,097 | 5.88% |
| ROME, GA (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $2,238 | 7.69% |
| Summerville, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,319 | 6.50% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 7.25% |
| WACO, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,108 | 6.50% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $177 | 8.38% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,297 | 7.81% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 8.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,374 | 7.13% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.38% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.38% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,389 | 6.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $3,819 | 7.13% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $187 | 8.31% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.38% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,087 | 7.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 8.56% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.50% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,737 | 5.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 7.75% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.38% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 8.13% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.25% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.25% |
| DALTON, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.25% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $1,486 | 7.81% |
| TYLER, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,738 | 4.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $187 | 7.88% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $204 | 8.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.25% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $177 | 7.38% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $0 | 8.31% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.50% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $157 | 7.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.25% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $157 | 8.13% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $204 | 8.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $177 | 7.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $204 | 8.63% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $157 | 8.50% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.75% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $1,139 | 9.00% |
| Palatka, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $157 | 8.38% |
| Jasper, AL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.25% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $182 | 7.00% |
| Findlay, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $187 | 7.75% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $177 | 7.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against DELTA COMMUNITY CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 2,036 | $227,260,000 | $111,621 | n/a | 8.19% |
| Conventional | 1,437 | $317,065,000 | $220,644 | $2,958 | 7.35% |
For 2023, Delta Community Credit Union's most frequently originated type of loan was HELOC, with 2,036 originations. Their 2nd most popular type was Conventional, with 1,437 originations.
Loan Reason
For 2023, Delta Community Credit Union's most frequently cited loan purpose was Home Improvement, with 1,610 originations. The 2nd most popular reason was Home Purchase, with 718 originations.
Loan Duration/Length
For 2023, Delta Community Credit Union's most frequently cited loan duration was 20 Year, with 2,054 originations. The 2nd most popular length was 15 Year, with 689 originations.
Origination Fees/Closing Costs
Delta Community Credit Union's average total fees were $6,032, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 897 originations.
Interest Rates
During 2023, Delta Community Credit Union's average interest rate for loans was 6.51%, while their most frequently originated rate bucket for loans was Over 8%, with 1,781 originations.
Loan Sizing
2023 saw Delta Community Credit Union place emphasis on $100,000 or less loans with 1,674 originations, totaling $95,600,000 in origination value.
Applicant Income
Delta Community Credit Union lent most frequently to those with incomes in the $100k-150k range, with 1,011 originations. The second most popular income band? $150k-250k, with 843 originations.
Applicant Debt to Income Ratio
Delta Community Credit Union lent most frequently to those with DTI ratios of 20-30%, with 637 originations. The next most common DTI ratio? 30-36%, with 578 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications71.12%
Delta Community Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination79.27%
Delta Community Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,473 | $544,325,000 | $156,730 |