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DELTA COMMUNITY CREDIT UNION
Credit Union|Atlanta, GA|Multi-Region
Loans Originated
1,106
Applications
1,673
Volume
$437 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.434%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,446
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
66.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 43.40 basis points below market average
- Particularly strong in Conventional and Jumbo loans
Report Card
DELTA COMMUNITY CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 5 metro areas · 19 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$395,714
Average Borrower Income
$171,042
Average Property Value
$557,170
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Exceptional | Sound | 1,053 | 95.2% | -0.435% | $2,390 |
Jumbo Loans | Strong | Strong | Exceptional | Strong | 53 | 4.8% | -0.413% | $3,654 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Sound | 916 | 82.8% | -0.427% | $2,438 |
Refinance | Strong | Strong | Exceptional | Sound | 190 | 17.2% | -0.467% | $2,486 |
Geographic Coverage
Metro Areas
4
States Served
19
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Atlanta, GAMSA
Volume: 639Mix: 57.78%
Place Specialization
Exceptional
2
Marietta, GA, GAMSA
Volume: 205Mix: 18.54%
Place Specialization
Exceptional
3
Gainesville, GA, GAMSA
Volume: 18Mix: 1.63%
Place Specialization
Sound
4
Cincinnati, OHMSA
Volume: 15Mix: 1.36%
Place Specialization
Sound
Top States by Place Specialization Score
1
GAState
Volume: 929Mix: 84.00%
Place Specialization
Exceptional
2
FLState
Volume: 45Mix: 4.07%
Place Specialization
Sound
3
KYState
Volume: 17Mix: 1.54%
Place Specialization
Sound
4
ALState
Volume: 15Mix: 1.36%
Place Specialization
Sound
5
UTState
Volume: 10Mix: 0.90%
Place Specialization
Acceptable
6
TNState
Volume: 13Mix: 1.18%
Place Specialization
Acceptable
7
TXState
Volume: 19Mix: 1.72%
Place Specialization
Acceptable
8
NCState
Volume: 13Mix: 1.18%
Place Specialization
Acceptable
9
SCState
Volume: 10Mix: 0.90%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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