Delta Community Credit Union Mortgage Rates, Fees & Info

Atlanta, GA

LEI: 549300Y4BSP3BSFW7J29

Tax ID: 58-0904765

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Delta Community Credit Union is a smaller credit union specializing in Refi, Cash Out Refi, and Home Purchase loans. Delta Community Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Atlanta, Gainesville, Dallas, Miami, and Orlando among others. We have data for 135 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

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

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

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

4,694

Origination Dollar Volume (All Markets)

$958,970,000

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)	4,004	$800,260,000	$199,865	$4,002	3.29%
Outside of Metro Areas	68	$16,270,000	$239,265	$4,601	3.10%
GAINESVILLE, GA (FHA\|USDA\|VA)	60	$12,820,000	$213,667	$4,343	3.21%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	26	$6,930,000	$266,538	$4,903	3.27%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	27	$6,215,000	$230,185	$5,460	3.37%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	25	$5,205,000	$208,200	$5,037	3.25%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	30	$4,880,000	$162,667	$3,630	3.39%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	10	$4,780,000	$478,000	$8,966	2.98%
Heber, UT (FHA\|USDA\|VA)	12	$4,280,000	$356,667	$5,488	3.45%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	15	$4,115,000	$274,333	$4,643	3.11%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	13	$3,415,000	$262,692	$5,071	3.60%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	15	$3,295,000	$219,667	$4,786	2.92%
JACKSONVILLE, FL (FHA\|USDA\|VA)	14	$3,290,000	$235,000	$5,448	3.72%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	10	$3,060,000	$306,000	$5,054	2.94%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	9	$3,035,000	$337,222	$6,808	3.76%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	17	$2,775,000	$163,235	$3,593	3.38%
SAVANNAH, GA (FHA\|USDA\|VA)	12	$2,700,000	$225,000	$4,485	3.19%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	9	$2,275,000	$252,778	$4,931	3.47%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	13	$2,215,000	$170,385	$4,449	3.01%
KNOXVILLE, TN (FHA\|USDA\|VA)	7	$2,085,000	$297,857	$5,287	2.96%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	8	$2,060,000	$257,500	$4,025	2.83%
Jefferson, GA (FHA\|USDA\|VA)	15	$2,045,000	$136,333	$3,069	3.79%
Milledgeville, GA (FHA\|USDA\|VA)	7	$1,965,000	$280,714	$4,706	3.02%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	8	$1,910,000	$238,750	$4,991	3.02%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	6	$1,820,000	$303,333	$5,835	3.48%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	5	$1,665,000	$333,000	$5,107	3.05%
LaGrange, GA-AL (FHA\|USDA\|VA)	9	$1,625,000	$180,556	$3,313	3.18%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	7	$1,615,000	$230,714	$3,415	3.39%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	7	$1,555,000	$222,143	$5,495	3.61%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	7	$1,535,000	$219,286	$3,630	3.50%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	7	$1,515,000	$216,429	$5,493	2.88%
FORT COLLINS, CO (FHA\|USDA\|VA)	3	$1,505,000	$501,667	$6,806	2.75%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	6	$1,490,000	$248,333	$5,092	3.38%
MACON-BIBB COUNTY, GA (FHA\|USDA\|VA)	9	$1,455,000	$161,667	$3,895	3.17%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	7	$1,425,000	$203,571	$3,828	2.96%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	6	$1,280,000	$213,333	$4,528	2.94%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	7	$1,095,000	$156,429	$4,272	3.66%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	6	$1,090,000	$181,667	$4,072	2.95%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	7	$1,035,000	$147,857	$5,477	3.52%
Key West, FL (FHA\|USDA\|VA)	2	$1,010,000	$505,000	$6,922	2.94%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	3	$1,005,000	$335,000	$4,909	2.96%
Cullowhee, NC (FHA\|USDA\|VA)	2	$1,000,000	$500,000	$8,133	3.00%
ASHEVILLE, NC (FHA\|USDA\|VA)	3	$985,000	$328,333	$4,756	2.83%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	2	$980,000	$490,000	$2,566	3.19%
Sevierville, TN (FHA\|USDA\|VA)	3	$975,000	$325,000	$4,933	3.08%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	5	$975,000	$195,000	$5,150	2.80%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	2	$960,000	$480,000	$6,690	3.25%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	3	$905,000	$301,667	$7,101	3.83%
Alexander City, AL (FHA\|USDA\|VA)	3	$895,000	$298,333	$2,432	3.21%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	3	$765,000	$255,000	$5,308	3.46%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	2	$760,000	$380,000	$4,195	3.94%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	7	$755,000	$107,857	$2,466	3.34%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	2	$750,000	$375,000	$7,430	2.88%
PUNTA GORDA, FL (FHA\|USDA\|VA)	3	$745,000	$248,333	$4,614	2.92%
AUBURN-OPELIKA, AL (FHA\|USDA\|VA)	3	$735,000	$245,000	$4,198	2.79%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	6	$710,000	$118,333	$5,551	3.71%
COLUMBIA, SC (FHA\|USDA\|VA)	4	$700,000	$175,000	$4,271	3.53%
Cornelia, GA (FHA\|USDA\|VA)	3	$655,000	$218,333	$4,680	3.00%
Edwards, CO (FHA\|USDA\|VA)	1	$625,000	$625,000	$2,542	3.75%
TUCSON, AZ (FHA\|USDA\|VA)	3	$575,000	$191,667	$3,462	3.67%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	1	$535,000	$535,000	$7,154	2.38%
BRUNSWICK, GA (FHA\|USDA\|VA)	1	$505,000	$505,000	$7,571	2.75%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	2	$480,000	$240,000	$5,761	2.63%
LOUISVILLE, KY (FHA\|USDA\|VA)	3	$475,000	$158,333	$3,187	3.17%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	3	$475,000	$158,333	$3,819	3.00%
ROME, GA (FHA\|USDA\|VA)	2	$460,000	$230,000	$4,675	2.81%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	3	$455,000	$151,667	$4,302	3.46%
Brevard, NC (FHA\|USDA\|VA)	1	$445,000	$445,000	$3,328	3.25%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	1	$425,000	$425,000	$7,952	2.88%
AKRON, OH (FHA\|USDA\|VA)	3	$425,000	$141,667	$5,516	3.29%
Calhoun, GA (FHA\|USDA\|VA)	2	$400,000	$200,000	$3,529	3.44%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	1	$385,000	$385,000	$6,860	2.50%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	1	$375,000	$375,000	$7,521	3.13%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	1	$365,000	$365,000	$5,996	3.38%
MADERA, CA (FHA\|USDA\|VA)	1	$355,000	$355,000	$3,855	3.75%
Sonora, CA (FHA\|USDA\|VA)	1	$355,000	$355,000	$6,783	2.88%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	2	$350,000	$175,000	$2,835	4.38%
COLUMBUS, OH (FHA\|USDA\|VA)	1	$345,000	$345,000	$6,695	3.38%
WINCHESTER, VA-WV (FHA\|USDA\|VA)	1	$335,000	$335,000	$5,446	2.63%
Dayton, TN (FHA\|USDA\|VA)	2	$330,000	$165,000	$4,111	2.69%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	1	$325,000	$325,000	$6,724	2.88%
WARNER ROBINS, GA (FHA\|USDA\|VA)	3	$325,000	$108,333	$2,396	4.04%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	1	$315,000	$315,000	$5,006	3.00%
ST. GEORGE, UT (FHA\|USDA\|VA)	1	$315,000	$315,000	$5,951	3.38%
JOHNSON CITY, TN (FHA\|USDA\|VA)	2	$310,000	$155,000	$2,593	3.13%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	2	$310,000	$155,000	$2,728	3.06%
ROANOKE, VA (FHA\|USDA\|VA)	1	$305,000	$305,000	$5,671	2.50%
Eureka-Arcata, CA (FHA\|USDA\|VA)	1	$305,000	$305,000	$1,781	3.00%
DALTON, GA (FHA\|USDA\|VA)	1	$265,000	$265,000	$5,249	2.75%
SUMTER, SC (FHA\|USDA\|VA)	1	$265,000	$265,000	$5,609	2.38%
TALLAHASSEE, FL (FHA\|USDA\|VA)	1	$255,000	$255,000	$2,749	2.63%
Moultrie, GA (FHA\|USDA\|VA)	1	$255,000	$255,000	$5,310	2.63%
DOTHAN, AL (FHA\|USDA\|VA)	1	$255,000	$255,000	$2,649	3.88%
MONTGOMERY, AL (FHA\|USDA\|VA)	2	$250,000	$125,000	$4,326	3.94%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,688	3.38%
Mount Sterling, KY (FHA\|USDA\|VA)	1	$245,000	$245,000	$5,416	2.63%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	2	$240,000	$120,000	$3,494	2.75%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	1	$235,000	$235,000	$4,793	3.00%
ABILENE, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$6,172	2.50%
WHEELING, WV-OH (FHA\|USDA\|VA)	1	$225,000	$225,000	$5,084	3.00%
FLAGSTAFF, AZ (FHA\|USDA\|VA)	1	$225,000	$225,000	$4,226	3.75%
Seneca, SC (FHA\|USDA\|VA)	1	$225,000	$225,000	$4,577	2.25%
MOBILE, AL (FHA\|USDA\|VA)	2	$210,000	$105,000	$2,900	3.94%
VALDOSTA, GA (FHA\|USDA\|VA)	1	$195,000	$195,000	$2,661	3.88%
PANAMA CITY, FL (FHA\|USDA\|VA)	1	$195,000	$195,000	$4,333	3.13%
Statesboro, GA (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,522	3.13%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	2	$180,000	$90,000	$2,473	2.75%
FLORENCE, SC (FHA\|USDA\|VA)	1	$175,000	$175,000	$4,324	2.88%
Thomaston, GA (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,698	3.88%
LA CROSSE-ONALASKA, WI-MN (FHA\|USDA\|VA)	1	$155,000	$155,000	$1,916	2.75%
NEW BERN, NC (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,792	2.75%
St. Marys, GA (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,860	2.75%
LONGVIEW, TX (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,515	3.00%
TYLER, TX (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	4.38%
BOULDER, CO (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,613	2.75%
Cedartown, GA (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,424	2.50%
OWENSBORO, KY (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,645	2.88%
Greeneville, TN (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,644	2.88%
THE VILLAGES, FL (FHA\|USDA\|VA)	1	$115,000	$115,000	$3,030	2.88%
Waycross, GA (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,511	3.88%
ST. CLOUD, MN (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	3.13%
Arcadia, FL (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,236	3.13%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	3.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	3.25%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	1	$95,000	$95,000	$3,159	3.13%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	1	$75,000	$75,000	$2,779	2.75%
ANNISTON-OXFORD, AL (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	4.25%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	4.75%
Toccoa, GA (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,322	2.63%
Americus, GA (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,493	2.38%
TUSCALOOSA, AL (FHA\|USDA\|VA)	1	$35,000	$35,000	$197	5.38%
ALBANY, GA (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	4.63%
Talladega-Sylacauga, AL (FHA\|USDA\|VA)	1	$25,000	$25,000	$114	5.38%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$25,000	$25,000	$197	4.75%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	1	$15,000	$15,000	$0	3.25%

Delta Community Credit Union's top markets include Atlanta, Gainesville, Dallas, Miami, and Orlando among others.

Their top states include:

Georgia (FHA|USDA|VA)

Florida (FHA|USDA|VA)

North Carolina (FHA|USDA|VA)

Utah (FHA|USDA|VA)

Texas (FHA|USDA|VA)

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.

DADE COUNTY FEDERAL CREDIT UNION
Similarity Rank: 304

AAXY L.L.C.
Similarity Rank: 522

We Florida Financial
Similarity Rank: 638

Emory Alliance Credit Union
Similarity Rank: 855

POWER FINANCIAL
Similarity Rank: 870

SANCTUARY HOME MORTGAGE LLC
Similarity Rank: 932

THE MONEY HOUSE INC.
Similarity Rank: 946

Beeline Loans, Inc.
Similarity Rank: 989

U S WIDE FINANCIAL LLC
Similarity Rank: 1292

CAPITAL PLUS FINANCIAL, LLC
Similarity Rank: 1620

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	3,766	$877,240,000	$232,937	$4,092	3.18%
HELOC	928	$81,730,000	$88,071	n/a	3.70%

For 2020, Delta Community Credit Union's most frequently originated type of loan was Conventional, with 3,766 originations. Their 2nd most popular type was HELOC, with 928 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	1,604	$380,880,000	$237,456	$4,279	2.87%
Cash Out Refi	1,172	$242,920,000	$207,270	$3,996	3.26%
Home Purchase	923	$231,285,000	$250,580	$4,531	3.38%
Home Improvement	617	$62,915,000	$101,969	$2,287	3.77%
Other	378	$40,970,000	$108,386	$2,187	4.06%

For 2020, Delta Community Credit Union's most frequently cited loan purpose was Refi, with 1,604 originations. The 2nd most popular reason was Cash Out Refi, with 1,172 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,754	$466,030,000	$265,696	$4,517	3.39%
15 Year	1,493	$312,735,000	$209,468	$3,749	2.91%
20 Year	1,281	$160,345,000	$125,172	$4,386	3.53%
10 Year	149	$18,555,000	$124,530	$2,249	3.40%
5 Year	15	$405,000	$27,000	$140	4.82%
30+ year	1	$725,000	$725,000	$12,050	3.75%
Other	1	$175,000	$175,000	$0	2.75%

For 2020, Delta Community Credit Union's most frequently cited loan duration was 30 Year, with 1,754 originations. The 2nd most popular length was 15 Year, with 1,493 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	1,122	$226,470,000	$201,845
$2k-3k	905	$180,135,000	$199,044
$1k-2k	711	$85,995,000	$120,949
$3k-4k	463	$135,535,000	$292,732
$4k-5k	258	$114,570,000	$444,070
$5k+	195	$121,105,000	$621,051

Delta Community Credit Union's average total fees were $4,517, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,122 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	1,881	$414,455,000	$220,338
2.5-3%	1,449	$320,525,000	$221,204
<2.5%	723	$166,725,000	$230,602
4-5%	463	$47,665,000	$102,948
5-6%	174	$9,420,000	$54,138
6-7%	4	$180,000	$45,000

During 2020, Delta Community Credit Union's average interest rate for loans was 3.39%, while their most frequently originated rate bucket for loans was 3-4%, with 1,881 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	1,663	$245,245,000	$147,471	$3,403	3.12%
$200k-400k	1,465	$396,535,000	$270,672	$4,609	3.08%
$100,000 or less	1,115	$65,445,000	$58,695	$1,555	3.87%
$400k-600k	315	$153,295,000	$486,651	$6,603	3.06%
$600k-1MM	128	$89,670,000	$700,547	$8,347	3.00%
$1MM+	8	$8,780,000	$1,097,500	$10,442	3.09%

2020 saw Delta Community Credit Union place emphasis on $100k-200k loans with 1,663 originations, totaling $245,245,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	1,228	$237,190,000	$193,151	$4,101	3.29%
$150k-250k	870	$222,710,000	$255,989	$4,919	3.25%
$50k-75k	845	$119,575,000	$141,509	$3,330	3.36%
$75k-100k	768	$132,670,000	$172,747	$3,729	3.33%
$250k+	473	$179,595,000	$379,693	$6,254	3.11%
$50k or less	404	$45,490,000	$112,599	$3,071	3.32%

Delta Community Credit Union lent most frequently to those with incomes in the $100k-150k range, with 1,228 originations. The second most popular income band? $150k-250k, with 870 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	1,339	$283,435,000	$211,677	$4,171	3.16%
30-36%	920	$190,270,000	$206,815	$4,043	3.32%
<20%	767	$161,605,000	$210,698	$4,172	3.04%
44%	187	$28,225,000	$150,936	$4,012	3.59%
41%	186	$38,190,000	$205,323	$4,122	3.56%
42%	186	$34,920,000	$187,742	$3,567	3.69%
37%	176	$36,670,000	$208,352	$4,083	3.38%
39%	155	$30,165,000	$194,613	$4,153	3.38%
40%	149	$28,335,000	$190,168	$3,909	3.52%
43%	139	$25,395,000	$182,698	$3,734	3.51%
38%	133	$26,405,000	$198,534	$4,056	3.49%
36%	133	$28,495,000	$214,248	$4,194	3.39%
45%	65	$13,435,000	$206,692	$4,140	3.21%
48%	45	$10,275,000	$228,333	$4,368	3.32%
46%	44	$9,060,000	$205,909	$4,323	3.01%
47%	40	$7,730,000	$193,250	$4,019	3.07%
49%	30	$6,360,000	$212,000	$4,145	3.18%

Delta Community Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,339 originations. The next most common DTI ratio? 30-36%, with 920 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,755	$576,035,000	$209,087	$4,099	3.28%
Not provided	1,045	$220,965,000	$211,450	$4,271	3.24%
Black	645	$109,155,000	$169,233	$3,783	3.44%
Asian	125	$28,895,000	$231,160	$4,211	3.07%
Asian Indian	80	$16,860,000	$210,750	$4,320	2.92%
American Indian	20	$3,210,000	$160,500	$3,510	3.31%
Other Asian	13	$1,485,000	$114,231	$1,619	3.62%
Korean	3	$1,025,000	$341,667	$4,532	2.79%
Native Hawaiian or Islander	5	$695,000	$139,000	$3,839	3.51%
Japanese	2	$480,000	$240,000	$4,890	2.88%
Other Pacific Islander	1	$165,000	$165,000	$2,152	3.00%

Approval Rates

Total approvals of all applications
84.47%

Delta Community Credit Union has a below average approval rate.

Pick Rate

Approvals leading to origination
61.84%

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	4,694	$958,970,000	$204,297

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Single Family (1-4 Units):Site-Built	4,694	$958,970,000	$204,297

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	638	$77,880,000	$122,069	$2,818	3.41%
40-60%	897	$188,555,000	$210,206	$4,091	2.83%
60-80%	1,635	$438,015,000	$267,899	$4,588	3.08%
80-100%	834	$215,160,000	$257,986	$4,485	3.42%
Under 20%	690	$39,360,000	$57,043	$349	4.06%