DELTA COMMUNITY CREDIT UNION
DELTA COMMUNITY CREDIT UNION received 6,111 applications in 2025 and made 3,188 mortgages, in 316 counties across 21 states. The median rate its borrowers got was 7.000% on a median loan of $195,000. Of 4,839 decisions, 1,629 were denials — 33.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Y4BSP3BSFW7J29 |
|---|---|
| Applications received | 6,111 |
| Mortgages made | 3,188 |
| Denied | 1,629 |
| Approved, not taken up | 22 |
| Withdrawn or incomplete | 1,272 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.06 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,146 | 5.875% | $355,000 | 12.8% |
| Refinancing | 199 | 5.625% | $395,000 | 29.8% |
| Cash-out refinancing | 546 | 7.250% | $155,000 | 29.4% |
| Other purposes | 1,297 | 7.250% | $95,000 | 46.7% |
Where DELTA COMMUNITY CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fulton County, GA | 487 | 7.000% | 34.3% |
| Cobb County, GA | 402 | 7.000% | 24.6% |
| Coweta County, GA | 302 | 7.250% | 24.8% |
| Fayette County, GA | 265 | 7.000% | 22.4% |
| Gwinnett County, GA | 243 | 6.750% | 46.8% |
| DeKalb County, GA | 240 | 6.750% | 32.7% |
| Henry County, GA | 165 | 7.000% | 40.0% |
| Forsyth County, GA | 156 | 7.000% | 27.5% |
| Cherokee County, GA | 110 | 7.063% | 37.1% |
| Hall County, GA | 51 | 6.875% | 37.8% |
| Clayton County, GA | 50 | 6.813% | 64.9% |
| Douglas County, GA | 39 | 7.250% | 50.6% |
| Paulding County, GA | 33 | 7.000% | 43.1% |
| Spalding County, GA | 28 | 6.188% | 35.6% |
| Butts County, GA | 24 | 6.938% | 20.0% |
| Carroll County, GA | 18 | 6.875% | 21.7% |
| Pike County, GA | 16 | 6.625% | 15.8% |
| Salt Lake County, UT | 16 | 6.875% | 20.0% |
| Jackson County, GA | 15 | 6.750% | 34.8% |
| Troup County, GA | 14 | 7.000% | 33.3% |
| Bartow County, GA | 13 | 6.250% | 18.8% |
| Newton County, GA | 13 | 6.250% | 48.0% |
| Walton County, GA | 13 | 7.000% | 40.9% |
| Boone County, KY | 12 | 6.375% | 20.0% |
| Barrow County, GA | 11 | 6.000% | 26.7% |
| Lamar County, GA | 11 | 6.000% | 8.3% |
| Orange County, FL | 10 | 6.750% | 23.1% |
| Meriwether County, GA | 10 | 7.250% | 28.6% |
| Monroe County, GA | 9 | Under 10 loans | 10.0% |
| Broward County, FL | 8 | Under 10 loans | 38.5% |
| Greene County, GA | 8 | Under 10 loans | 0.0% |
| Rockdale County, GA | 8 | Under 10 loans | 66.7% |
| Tarrant County, TX | 8 | Under 10 loans | 38.5% |
| Dawson County, GA | 7 | Under 10 loans | 30.0% |
| Jasper County, GA | 7 | Under 10 loans | 30.0% |
| Lumpkin County, GA | 7 | Under 10 loans | 22.2% |
| Lee County, FL | 6 | Under 10 loans | 0.0% |
| Clarke County, GA | 6 | Under 10 loans | 40.0% |
| White County, GA | 6 | Under 10 loans | 14.3% |
| Jefferson County, AL | 5 | Under 10 loans | 37.5% |
| Tallapoosa County, AL | 5 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 5 | Under 10 loans | 0.0% |
| Putnam County, GA | 5 | Under 10 loans | 16.7% |
| Kenton County, KY | 5 | Under 10 loans | 54.6% |
| Charleston County, SC | 5 | Under 10 loans | 0.0% |
| Randolph County, AL | 4 | Under 10 loans | 20.0% |
| Maricopa County, AZ | 4 | Under 10 loans | 33.3% |
| Duval County, FL | 4 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 4 | Under 10 loans | 42.9% |
| Martin County, FL | 4 | Under 10 loans | 20.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.