# DELTA COMMUNITY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/delta-community-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


DELTA COMMUNITY CREDIT UNION is a credit union, headquartered in Atlanta, GA, serving borrowers across 19 states, with 1,106 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 16% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Y4BSP3BSFW7J29
- **Headquarters:** Atlanta, GA
- **Geographic Reach:** Multi-Region
- **States Served:** 19
- **State List:** AL, AZ, CA, CO, FL, GA, IN, KY, MA, MD, MN, NC, NY, OH, SC, TN, TX, UT, VA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.434%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,446
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,106
- **Dollar Volume:** $438 million
- **Applications Received:** 1,673
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $395,714
- **Average Borrower Income:** $171,042
- **Average Property Value:** $557,170

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Jumbo Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 1,053 | -0.435% | $2,390 | Strong 😀 |
| Jumbo | 74/100 | 53 | -0.413% | $3,654 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 866 loans, Score: 66/100 (Strong)
- Refinance: 187 loans, Score: 66/100 (Strong)

**Jumbo:**
- Purchase: 50 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 916 | $376M | -0.427% | Strong 😀 |
| Refinance | 63/100 | 190 | $61M | -0.467% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 929 | 0.67% | 87/100 |
| FL | 45 | 0.02% | 47/100 |
| TX | 19 | 0.01% | 39/100 |
| KY | 17 | 0.04% | 44/100 |
| AL | 15 | 0.03% | 43/100 |
| NC | 13 | 0.01% | 38/100 |
| TN | 13 | 0.01% | 39/100 |
| SC | 10 | 0.01% | 37/100 |
| UT | 10 | 0.02% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 639 | 89/100 |
| Marietta, GA | GA | 205 | 84/100 |
| Non |  | 68 | 44/100 |
| Gainesville, GA | GA | 18 | 55/100 |
| Cincinnati, OH |  | 15 | 44/100 |

## Where This Lender Ranks

DELTA COMMUNITY CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Georgia for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Atlanta Credit Unions
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Atlanta for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Marietta, GA Credit Unions
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Marietta, GA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Marietta, GA for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Georgia Credit Unions
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Georgia for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Atlanta for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Atlanta for Jumbo Loans
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Georgia for Jumbo Loans
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Marietta, GA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/jumbo-loans)
- 🏆 **#7** in Atlanta
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders)
- 🏆 **#7** in Marietta, GA
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders)
- 🏆 **#8** in Georgia
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders)
- 🏆 **#8** in Marietta, GA for Conventional Loans
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Atlanta for Conventional Loans
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Georgia for Conventional Loans
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/conventional-loans)
- 🏆 **#15** in Gainesville, GA for Conventional Loans
  - [View Full Rankings](https://saferate.com/gainesville-ga/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does DELTA COMMUNITY CREDIT UNION offer?

DELTA COMMUNITY CREDIT UNION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does DELTA COMMUNITY CREDIT UNION offer mortgages?

DELTA COMMUNITY CREDIT UNION offers mortgages in 19 states: AL, AZ, CA, CO, FL, GA, IN, KY, MA, MD, MN, NC, NY, OH, SC, TN, TX, UT, VA.

### How competitive are DELTA COMMUNITY CREDIT UNION's mortgage rates?

DELTA COMMUNITY CREDIT UNION has a pricing score of 84/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.434% below market average.

### What type of lender is DELTA COMMUNITY CREDIT UNION?

DELTA COMMUNITY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Atlanta, GA.

### What is DELTA COMMUNITY CREDIT UNION's loan approval success rate?

DELTA COMMUNITY CREDIT UNION has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/delta-community-credit-union

### How to Cite

> "DELTA COMMUNITY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/delta-community-credit-union

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