Delta Community Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
6th33.7% deniedPricingmedian rate spread over APOR, weight 30%
84th-0.06 ptsProcesswithdrawn + incomplete share, weight 15%
31st20.8%Closing coststotal loan costs ÷ loan amount, weight 10%
21st3.14% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 6,362 | 3,473 | 29.1% | 34.5% | 8.13% | $544M |
| 2024 | 6,591 | 3,626 | 26.4% | 32.3% | 7.88% | $741M |
| 2025 | 6,111 | 3,188 | 26.7% | 33.7% | 7.00% | $797M |
What Delta Community Credit Union 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: 2,744 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 161 investment properties.
Why Delta Community Credit Union denies applications
Primary reason reported for each of the 1,629 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Delta Community Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 457 | 106 | 71.0% |
| $50k – $100k | 1,598 | 700 | 45.4% |
| $100k – $150k | 1,509 | 855 | 28.0% |
| $150k – $250k | 1,506 | 920 | 21.6% |
| Over $250k | 944 | 566 | 19.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 49 | 31 | 18.4% |
| 25–34 | 916 | 491 | 27.3% |
| 35–44 | 1,492 | 802 | 30.3% |
| 45–54 | 1,472 | 765 | 36.6% |
| 55–64 | 1,312 | 674 | 36.3% |
| 65–74 | 616 | 298 | 38.8% |
| Over 74 | 254 | 127 | 32.8% |
Where Delta Community Credit Union lends
21 states and 316 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 5,505 | 2,867 | 26.9% | 7.00% | #17 |
| Florida | 143 | 74 | 25.9% | 6.38% | #427 |
| Texas | 54 | 27 | 24.1% | 5.88% | #700 |
| South Carolina | 50 | 28 | 24.0% | 6.88% | #338 |
| Alabama | 45 | 28 | 20.0% | 6.19% | #321 |
| Kentucky | 42 | 21 | 23.8% | 7.00% | #286 |
| North Carolina | 41 | 22 | 29.3% | 6.44% | #425 |
| Utah | 41 | 23 | 22.0% | 7.00% | #189 |
| Tennessee | 40 | 20 | 25.0% | 6.19% | #445 |
| California | 32 | 19 | 9.4% | 7.38% | #580 |
| Ohio | 19 | 11 | 15.8% | 5.88% | #539 |
| Virginia | 17 | 8 | 17.7% | 6.69% | #510 |
| New York | 16 | 6 | 56.3% | 5.88% | #426 |
| Colorado | 14 | 7 | 35.7% | 6.25% | #459 |
| Indiana | 13 | 6 | 38.5% | 6.06% | #517 |
| Minnesota | 13 | 6 | 15.4% | 5.56% | #434 |
| Arizona | 12 | 7 | 25.0% | 5.88% | #476 |
| Maryland | 7 | 5 | 14.3% | 5.75% | #512 |
| Massachusetts | 5 | 2 | 0.0% | 6.19% | #527 |
Frequently asked questions
Delta Community Credit Union denied 33.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 6th percentile of mid-size mortgage lenders.
The most common reason Delta Community Credit Union gave in 2025 was "debt-to-income ratio", cited on 51.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Delta Community Credit Union originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was -0.06 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 29% of its applications were for home purchases, 22% for refinancing (including cash-out), and 48% 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.