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 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, Miami, Tampa, and Cincinnati among others. We have data for 128 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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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
4,969Origination Dollar Volume (All Markets)
$997,535,000Awards
DELTA COMMUNITY CREDIT UNION - 2021
DELTA COMMUNITY CREDIT UNION is a 2021 , due to their low .
For 2021, 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) | 4,263 | $842,335,000 | $197,592 | $4,167 | 2.92% |
| Outside of Metro Areas | 74 | $18,450,000 | $249,324 | $5,069 | 2.81% |
| GAINESVILLE, GA (FHA|USDA|VA) | 55 | $11,625,000 | $211,364 | $4,631 | 2.81% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 26 | $7,640,000 | $293,846 | $6,447 | 2.83% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 25 | $4,935,000 | $197,400 | $5,500 | 2.94% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 27 | $4,375,000 | $162,037 | $3,476 | 2.93% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 18 | $4,360,000 | $242,222 | $4,873 | 2.86% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 12 | $3,860,000 | $321,667 | $5,420 | 3.28% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 17 | $3,355,000 | $197,353 | $3,929 | 2.88% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 16 | $3,290,000 | $205,625 | $4,188 | 2.84% |
| Jefferson, GA (FHA|USDA|VA) | 17 | $2,985,000 | $175,588 | $4,104 | 2.76% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 12 | $2,980,000 | $248,333 | $5,176 | 2.68% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 9 | $2,955,000 | $328,333 | $5,447 | 2.82% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 11 | $2,835,000 | $257,727 | $4,584 | 2.77% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 13 | $2,775,000 | $213,462 | $4,559 | 2.93% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 14 | $2,570,000 | $183,571 | $6,295 | 3.12% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 15 | $2,525,000 | $168,333 | $3,661 | 3.28% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $2,450,000 | $306,250 | $6,059 | 2.95% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 11 | $2,305,000 | $209,545 | $3,659 | 2.85% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 10 | $2,130,000 | $213,000 | $4,724 | 2.46% |
| LaGrange, GA-AL (FHA|USDA|VA) | 14 | $2,130,000 | $152,143 | $3,788 | 2.85% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 9 | $2,065,000 | $229,444 | $4,582 | 2.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $1,960,000 | $490,000 | $7,951 | 2.41% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $7,134 | 3.13% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 8 | $1,740,000 | $217,500 | $5,130 | 2.78% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 7 | $1,725,000 | $246,429 | $4,555 | 2.66% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 9 | $1,675,000 | $186,111 | $3,521 | 2.96% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 12 | $1,670,000 | $139,167 | $4,358 | 3.46% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 8 | $1,620,000 | $202,500 | $4,765 | 2.81% |
| SAVANNAH, GA (FHA|USDA|VA) | 6 | $1,570,000 | $261,667 | $5,564 | 2.58% |
| Alexander City, AL (FHA|USDA|VA) | 5 | $1,515,000 | $303,000 | $6,187 | 2.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 6 | $1,460,000 | $243,333 | $5,447 | 2.63% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $4,595 | 2.95% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $1,395,000 | $199,286 | $5,160 | 3.16% |
| Milledgeville, GA (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $5,513 | 2.94% |
| Seneca, SC (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $2,812 | 2.84% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $3,489 | 3.04% |
| Heber, UT (FHA|USDA|VA) | 7 | $1,225,000 | $175,000 | $4,441 | 2.77% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $5,312 | 2.53% |
| KNOXVILLE, TN (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $3,894 | 3.08% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $6,273 | 2.50% |
| Cornelia, GA (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $4,926 | 2.68% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $3,358 | 3.03% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $4,049 | 3.41% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $4,876 | 2.66% |
| ROME, GA (FHA|USDA|VA) | 7 | $945,000 | $135,000 | $3,344 | 2.88% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $3,905 | 2.53% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $7,316 | 2.88% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $7,606 | 2.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 7 | $785,000 | $112,143 | $3,357 | 3.09% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,750 | 3.04% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,293 | 2.71% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $4,514 | 2.42% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $4,468 | 3.08% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,970 | 2.13% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,905 | 3.13% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $10,663 | 2.88% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $4,326 | 2.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $3,686 | 3.03% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $5,435 | 2.67% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $8,655 | 3.38% |
| OCALA, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,426 | 2.56% |
| GADSDEN, AL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,504 | 2.94% |
| DALTON, GA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,600 | 2.50% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,885 | 2.79% |
| Edwards, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $8,389 | 2.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $8,732 | 2.63% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $3,776 | 3.46% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,833 | 2.56% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,170 | 2.31% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $6,991 | 3.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $4,268 | 2.84% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,086 | 4.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,889 | 3.19% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $7,499 | 3.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $3,342 | 3.29% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,438 | 2.81% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $5,241 | 3.17% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,081 | 2.81% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,391 | 2.92% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,505 | 2.50% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,593 | 2.44% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $6,701 | 3.13% |
| Boone, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,565 | 2.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,469 | 2.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,310 | 2.44% |
| Brevard, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,017 | 3.13% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $4,693 | 3.17% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,563 | 2.88% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,771 | 3.94% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,925 | 3.50% |
| St. Marys, GA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,308 | 2.94% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 3.56% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $1,706 | 2.63% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,341 | 2.63% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,614 | 3.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,676 | 2.38% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,038 | 2.25% |
| Statesboro, GA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,587 | 2.94% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,739 | 2.00% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.13% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,660 | 2.06% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 3.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,024 | 2.13% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,814 | 3.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,985 | 3.31% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,774 | 2.06% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,526 | 2.75% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,773 | 2.13% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,909 | 3.00% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,331 | 2.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,915 | 2.75% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.00% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,348 | 2.13% |
| Summerville, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,672 | 2.75% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,601 | 2.63% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.88% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,166 | 2.00% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,688 | 2.00% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.00% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.13% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.38% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,409 | 1.88% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.00% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $177 | 4.25% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 3.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $157 | 4.50% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 3,819 | $887,545,000 | $232,402 | $4,244 | 2.82% |
| HELOC | 1,150 | $109,990,000 | $95,643 | n/a | 3.24% |
For 2021, Delta Community Credit Union's most frequently originated type of loan was Conventional, with 3,819 originations. Their 2nd most popular type was HELOC, with 1,150 originations.
Loan Reason
For 2021, Delta Community Credit Union's most frequently cited loan purpose was Refi, with 1,493 originations. The 2nd most popular reason was Cash Out Refi, with 1,371 originations.
Loan Duration/Length
For 2021, Delta Community Credit Union's most frequently cited loan duration was 30 Year, with 1,983 originations. The 2nd most popular length was 20 Year, with 1,443 originations.
Origination Fees/Closing Costs
Delta Community Credit Union's average total fees were $4,678, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 1,058 originations.
Interest Rates
During 2021, Delta Community Credit Union's average interest rate for loans was 2.99%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,043 originations.
Loan Sizing
2021 saw Delta Community Credit Union place emphasis on $100k-200k loans with 1,769 originations, totaling $258,905,000 in origination value.
Applicant Income
Delta Community Credit Union lent most frequently to those with incomes in the $100k-150k range, with 1,227 originations. The second most popular income band? $150k-250k, with 949 originations.
Applicant Debt to Income Ratio
Delta Community Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,438 originations. The next most common DTI ratio? 30-36%, with 936 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.06%
Delta Community Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination68.48%
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 | 4,969 | $997,535,000 | $200,752 |