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

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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.

    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% 12/16/24
    30 Year Conventional Purchase 6.39% 12/16/24
    30 Year Conventional Refi 6.03% 12/16/24
    30 Year Cash-out Refi 6.23% 12/16/24
    15 Year Conventional Purchase 5.89% 12/16/24
    15 Year Conventional Refi 5.51% 12/16/24
    15 Year Cash-out Refi 5.51% 12/16/24
    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

    4,969

    Origination Dollar Volume (All Markets)

    $997,535,000
    Show all (5) awards

    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%
    Delta Community Credit Union's top markets include Atlanta, Gainesville, Miami, Tampa, and Cincinnati among others.

    Their top states include:
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • California (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: 167
    Emory Alliance Credit Union
    Similarity Rank: 305
    AAXY L.L.C.
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    POWER FINANCIAL
    Similarity Rank: 768
    U S WIDE FINANCIAL LLC
    Similarity Rank: 924
    CAPITAL PLUS FINANCIAL, LLC
    Similarity Rank: 1200
    AMERICAN HOME MORTGAGE, INC.
    Similarity Rank: 1218
    LAUNCH FEDERAL CREDIT UNION
    Similarity Rank: 1272
    WESTSTAR MORTGAGE CORPORATION
    Similarity Rank: 1408
    Citizens First Bank
    Similarity Rank: 1696

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,493 $342,945,000 $229,702 $4,306 2.49%
    Cash Out Refi 1,371 $314,285,000 $229,238 $4,474 2.84%
    Home Improvement 967 $85,415,000 $88,330 $1,503 3.41%
    Home Purchase 869 $228,915,000 $263,423 $4,939 3.02%
    Other 269 $25,975,000 $96,561 $1,341 3.57%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,983 $526,145,000 $265,328 $4,678 2.99%
    20 Year 1,443 $172,265,000 $119,380 $4,426 3.15%
    15 Year 1,365 $279,545,000 $204,795 $3,868 2.53%
    10 Year 168 $19,240,000 $114,524 $2,244 3.02%
    5 Year 10 $340,000 $34,000 $200 4.34%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 1,058 $208,860,000 $197,410
    $<1k 830 $163,620,000 $197,133
    $1k-2k 791 $91,525,000 $115,708
    $3k-4k 514 $150,000,000 $291,829
    $4k-5k 267 $113,095,000 $423,577
    $5k+ 219 $140,645,000 $642,215

    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

    Loan Rate Originations Total Value Average Loan
    2.5-3% 2,043 $470,915,000 $230,502
    3-4% 1,369 $214,475,000 $156,665
    <2.5% 1,271 $291,345,000 $229,225
    4-5% 247 $18,635,000 $75,445
    5-6% 39 $2,165,000 $55,513

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,769 $258,905,000 $146,357 $3,532 2.79%
    $200k-400k 1,521 $412,435,000 $271,160 $4,889 2.77%
    $100,000 or less 1,241 $75,025,000 $60,455 $1,615 3.36%
    $400k-600k 284 $137,320,000 $483,521 $6,616 2.71%
    $600k-1MM 146 $104,270,000 $714,178 $8,630 2.53%
    $1MM+ 8 $9,580,000 $1,197,500 $10,479 2.92%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,227 $239,995,000 $195,595 $4,268 2.94%
    $150k-250k 949 $235,775,000 $248,446 $5,119 2.92%
    $50k-75k 946 $139,630,000 $147,600 $3,590 2.93%
    $75k-100k 811 $139,375,000 $171,856 $4,012 2.93%
    $50k or less 495 $57,215,000 $115,586 $3,194 2.88%
    $250k+ 449 $165,105,000 $367,717 $6,714 2.85%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,438 $291,390,000 $202,636 $4,306 2.86%
    30-36% 936 $198,840,000 $212,436 $4,381 2.93%
    <20% 810 $157,200,000 $194,074 $4,234 2.71%
    44% 215 $31,815,000 $147,977 $3,680 3.22%
    43% 176 $31,620,000 $179,659 $3,969 3.10%
    40% 176 $36,380,000 $206,705 $4,210 3.05%
    36% 167 $38,015,000 $227,635 $4,640 2.88%
    41% 165 $30,335,000 $183,848 $3,869 3.12%
    39% 158 $33,380,000 $211,266 $4,117 3.11%
    38% 156 $31,100,000 $199,359 $4,160 3.10%
    42% 147 $25,965,000 $176,633 $3,927 3.14%
    37% 130 $27,080,000 $208,308 $3,936 3.12%
    45% 74 $16,680,000 $225,405 $4,703 2.82%
    46% 67 $13,005,000 $194,104 $3,826 2.90%
    49% 56 $13,830,000 $246,964 $4,305 2.77%
    47% 48 $10,510,000 $218,958 $4,350 2.71%
    48% 48 $10,110,000 $210,625 $4,464 2.70%
    50-60% 2 $280,000 $140,000 $3,588 2.44%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,862 $591,740,000 $206,758 $4,348 2.89%
    Not provided 1,120 $228,890,000 $204,366 $4,237 2.90%
    Black 777 $129,195,000 $166,274 $3,833 3.06%
    Asian 131 $29,715,000 $226,832 $4,558 2.83%
    Asian Indian 35 $9,145,000 $261,286 $4,967 2.81%
    American Indian 23 $4,015,000 $174,565 $3,639 3.02%
    Other Asian 13 $2,775,000 $213,462 $4,354 2.87%
    Other Pacific Islander 1 $985,000 $985,000 $11,661 3.00%
    Native Hawaiian or Islander 3 $425,000 $141,667 $3,106 2.67%
    Japanese 2 $330,000 $165,000 $2,439 3.19%
    Vietnamese 2 $320,000 $160,000 $5,025 2.94%

    Approval Rates

    Total approvals of all applications
    85.06%

    Delta Community Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    68.48%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,969 $997,535,000 $200,752

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 864 $111,070,000 $128,553 $3,005 2.97%
    40-60% 991 $209,635,000 $211,539 $4,258 2.53%
    60-80% 1,553 $428,515,000 $275,927 $4,893 2.76%
    80-100% 706 $194,260,000 $275,156 $4,766 3.05%
    Under 20% 855 $54,055,000 $63,222 $693 3.49%