Delta Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
44th11.3% deniedProcesswithdrawn + incomplete share, weight 15%
77th5.4%Trend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 232 | 198 | 6.9% | 7.3% | — | $32M |
| 2025 | 243 | 197 | 10.7% | 11.3% | — | $36M |
What Delta Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 38 manufactured homes, 62 investment properties.
Who gets approved at Delta Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 43 | 27 | 30.8% |
| $50k – $100k | 74 | 59 | 8.7% |
| $100k – $150k | 45 | 38 | 9.1% |
| $150k – $250k | 27 | 22 | 8.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 22 | 7.7% |
| 35–44 | 44 | 35 | 12.2% |
| 45–54 | 36 | 30 | 11.4% |
| 55–64 | 50 | 38 | 14.9% |
| 65–74 | 37 | 29 | 16.7% |
Where Delta Bank lends
2 states and 3 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 12 | 7 | 41.7% | — | #364 |
Frequently asked questions
Delta Bank denied 11.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 44th percentile of small mortgage lenders.
In 2025, 34% of its applications were for home purchases, 52% for refinancing (including cash-out), and 14% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.