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 Purchase loans. Delta Community Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Atlanta, Gainesville, Miami, Cincinnati, and Dallas among others. We have data for 115 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 a low 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 about average 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% | 4/21/24 |
| 30 Year Conventional Purchase | 6.39% | 4/21/24 |
| 30 Year Conventional Refi | 6.03% | 4/21/24 |
| 30 Year Cash-out Refi | 6.23% | 4/21/24 |
| 15 Year Conventional Purchase | 5.89% | 4/21/24 |
| 15 Year Conventional Refi | 5.51% | 4/21/24 |
| 15 Year Cash-out Refi | 5.51% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,318Origination Dollar Volume (All Markets)
$489,210,000Awards
DELTA COMMUNITY CREDIT UNION - 2018
DELTA COMMUNITY CREDIT UNION is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 2,853 | $410,525,000 | $143,892 | $3,256 | 4.92% |
| Outside of Metro Areas | 50 | $9,480,000 | $189,600 | $3,978 | 4.69% |
| GAINESVILLE, GA (FHA|USDA|VA) | 36 | $4,960,000 | $137,778 | $3,638 | 4.98% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 21 | $3,165,000 | $150,714 | $3,138 | 4.90% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 26 | $2,640,000 | $101,538 | $2,962 | 4.76% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 15 | $2,605,000 | $173,667 | $2,992 | 5.43% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 13 | $2,355,000 | $181,154 | $4,196 | 4.60% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 13 | $2,035,000 | $156,538 | $3,695 | 4.81% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 9 | $1,875,000 | $208,333 | $4,160 | 4.36% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 9 | $1,845,000 | $205,000 | $5,116 | 4.67% |
| Jefferson, GA (FHA|USDA|VA) | 9 | $1,715,000 | $190,556 | $3,786 | 4.64% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 11 | $1,645,000 | $149,545 | $5,005 | 4.44% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 8 | $1,610,000 | $201,250 | $4,170 | 4.80% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $5,349 | 4.92% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 7 | $1,385,000 | $197,857 | $3,768 | 4.63% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $4,139 | 4.40% |
| Alexander City, AL (FHA|USDA|VA) | 2 | $1,220,000 | $610,000 | $2,341 | 4.81% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $4,568 | 5.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $4,257 | 4.65% |
| Heber, UT (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $5,946 | 4.80% |
| BRUNSWICK, GA (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $3,672 | 4.68% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $3,005 | 4.31% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $975,000 | $139,286 | $3,064 | 5.38% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $3,744 | 4.85% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 6 | $960,000 | $160,000 | $4,399 | 4.73% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $3,243 | 5.04% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $4,263 | 5.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 8 | $840,000 | $105,000 | $2,714 | 5.05% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $3,307 | 4.78% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $3,907 | 4.25% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $3,062 | 5.23% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 7 | $785,000 | $112,143 | $1,858 | 5.39% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,944 | 4.33% |
| Cornelia, GA (FHA|USDA|VA) | 6 | $710,000 | $118,333 | $3,568 | 4.83% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $2,830 | 4.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $3,080 | 4.22% |
| ROME, GA (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $3,162 | 4.38% |
| Seneca, SC (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,500 | 4.38% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 5 | $595,000 | $119,000 | $3,081 | 4.60% |
| Boone, NC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,129 | 5.06% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $6,684 | 3.88% |
| LaGrange, GA-AL (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $2,264 | 5.35% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 5.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $4,372 | 4.41% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,918 | 3.94% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $2,620 | 4.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 5 | $505,000 | $101,000 | $2,000 | 6.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $4,806 | 4.38% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,036 | 4.94% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,549 | 4.69% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,290 | 5.17% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,101 | 4.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $3,506 | 4.56% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,197 | 4.75% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,308 | 3.88% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,278 | 4.63% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,465 | 4.63% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,313 | 3.94% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,156 | 4.63% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,233 | 4.56% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,965 | 5.44% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,667 | 3.94% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 5.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 4.63% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,280 | 4.31% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,581 | 4.63% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,291 | 4.25% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,840 | 3.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,177 | 3.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,152 | 4.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 4.75% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,117 | 4.38% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,082 | 4.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,916 | 4.81% |
| DALTON, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,632 | 4.00% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,505 | 4.38% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,631 | 4.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,987 | 4.38% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,929 | 4.38% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,014 | 4.00% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 5.25% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,092 | 4.13% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,036 | 5.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,904 | 3.88% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,983 | 4.38% |
| AKRON, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,451 | 5.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,088 | 4.25% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 4.63% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,379 | 4.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,692 | 4.38% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,451 | 4.50% |
| TYLER, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,650 | 4.13% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 5.38% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.75% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $388 | 6.19% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,656 | 4.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,386 | 4.75% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,136 | 4.63% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.25% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,089 | 4.50% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $3,311 | 4.81% |
| Dayton, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,925 | 4.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.50% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $494 | 6.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.25% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.25% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $564 | 6.25% |
| Wilson, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,445 | 4.75% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $129 | 7.00% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.00% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.25% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $119 | 6.75% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.75% |
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 |
|---|---|---|---|---|---|
| Conventional | 2,218 | $408,570,000 | $184,206 | $3,314 | 4.88% |
| HELOC | 1,100 | $80,640,000 | $73,309 | n/a | 4.93% |
For 2018, Delta Community Credit Union's most frequently originated type of loan was Conventional, with 2,218 originations. Their 2nd most popular type was HELOC, with 1,100 originations.
Loan Reason
For 2018, Delta Community Credit Union's most frequently cited loan purpose was Home Purchase, with 1,303 originations. The 2nd most popular reason was Home Improvement, with 794 originations.
Loan Duration/Length
For 2018, Delta Community Credit Union's most frequently cited loan duration was 30 Year, with 1,371 originations. The 2nd most popular length was 20 Year, with 1,219 originations.
Origination Fees/Closing Costs
Delta Community Credit Union's average total fees were $4,238, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 961 originations.
Interest Rates
During 2018, Delta Community Credit Union's average interest rate for loans was 4.59%, while their most frequently originated rate bucket for loans was 4-5%, with 1,833 originations.
Loan Sizing
2018 saw Delta Community Credit Union place emphasis on $100,000 or less loans with 1,471 originations, totaling $75,055,000 in origination value.
Applicant Income
Delta Community Credit Union lent most frequently to those with incomes in the $100k-150k range, with 889 originations. The second most popular income band? $50k-75k, with 669 originations.
Applicant Debt to Income Ratio
Delta Community Credit Union lent most frequently to those with DTI ratios of 20-30%, with 818 originations. The next most common DTI ratio? 30-36%, with 658 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications75.92%
Delta Community Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination58.05%
Delta Community Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,318 | $489,210,000 | $147,441 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 3,318 | $489,210,000 | $147,441 |