Delta Community Credit Union in Georgia vs the state
26.9%Denial rate+7.70 pts vs state
33.9%Decision denial rate+8.84 pts vs state
52.1%Origination rate-2.01 pts vs state
7.00%Median rate+0.38 pts vs state
-0.04Rate spread (pts)-0.31 pts vs state
$127kMedian applicant income
2,867Loans originated
1,482Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,796 | 3,180 | 29.4% | 8.13% | #16 |
| 2024 | 5,944 | 3,269 | 26.7% | 8.00% | #17 |
| 2025 | 5,505 | 2,867 | 26.9% | 7.00% | #17 |
What Delta Community Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Delta Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 944 | 487 | 256 | 27.1% |
| Cobb County | 678 | 402 | 132 | 19.5% |
| Gwinnett County | 573 | 243 | 215 | 37.5% |
| Coweta County | 513 | 302 | 100 | 19.5% |
| DeKalb County | 486 | 240 | 118 | 24.3% |
| Fayette County | 439 | 265 | 77 | 17.5% |
| Henry County | 342 | 165 | 112 | 32.7% |
| Forsyth County | 273 | 156 | 60 | 22.0% |
| Cherokee County | 220 | 110 | 65 | 29.5% |
| Clayton County | 178 | 50 | 96 | 53.9% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 5,505 applications in 2025, of which 2,867 were originated and 1,482 denied.
26.9% of all applications, or 33.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Delta Community Credit Union originated in Georgia in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Delta Community Credit Union's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology