Delta Community Credit Union mortgage approval rate & lending review
Delta Community Credit Union decided 11,480 mortgage applications and funded 7,777 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Delta Community Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Delta Community Credit Union at a glance
Approval is 2.3 points below the 70.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 2,441 / 2,814 | 99% | $355K | 2,423 |
| Home improvement loans | 59% | 3,397 / 5,760 | 99% | $85K | 3,368 |
| Cash-out refinance | 74% | 1,535 / 2,062 | 99% | $155K | 1,526 |
| Refinance | 70% | 274 / 391 | 99% | $385K | 270 |
| Investment property purchase | 68% | 134 / 198 | 100% | $255K | 134 |
| Investment cash-out refinance | 32% | 20 / 62 | 100% | $135K | 20 |
| Investment home improvement | 18% | 31 / 169 | 100% | $95K | 31 |
Delta Community Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 68% | $155K | 10,492 | 7,087 |
| Florida | 70% | $315K | 274 | 190 |
| Texas | 65% | $355K | 100 | 65 |
| Kentucky | 78% | $175K | 74 | 58 |
| California | 70% | $185K | 73 | 50 |
| Tennessee | 74% | $305K | 68 | 50 |
| Alabama | 71% | $325K | 65 | 45 |
| South Carolina | 75% | $225K | 60 | 45 |
| Utah | 67% | $105K | 60 | 40 |
| North Carolina | 71% | $305K | 48 | 34 |
| Ohio | 80% | $305K | 30 | 24 |
| New York | 46% | $485K | 26 | 12 |
| Arizona | 75% | $105K | 20 | 14 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Delta Community Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fulton County, GA | Home improvement loans | 57% | 961 | 542 |
| Cobb County, GA | Home improvement loans | 65% | 693 | 450 |
| Coweta County, GA | Home improvement loans | 69% | 578 | 396 |
| Fulton County, GA | Mortgage lenders | 86% | 456 | 383 |
| Cobb County, GA | Mortgage lenders | 90% | 364 | 329 |
| Fayette County, GA | Home improvement loans | 68% | 465 | 314 |
| Gwinnett County, GA | Home improvement loans | 47% | 623 | 290 |
| DeKalb County, GA | Home improvement loans | 59% | 485 | 281 |
| Henry County, GA | Home improvement loans | 57% | 460 | 255 |
| Fulton County, GA | Cash-out refinance | 73% | 336 | 244 |
| Cobb County, GA | Cash-out refinance | 80% | 297 | 238 |
| Coweta County, GA | Mortgage lenders | 94% | 229 | 216 |
The county markets where Delta Community Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Delta Community Credit Union
What is Delta Community Credit Union's mortgage approval rate?
Delta Community Credit Union approved 68.3% of the 11,480 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.3 points below the 70.6% national rate for the same mix of loan types.
How often do borrowers take the loan Delta Community Credit Union offers?
Borrowers accepted 99% of the loans Delta Community Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Delta Community Credit Union make?
The typical home improvement loan loan Delta Community Credit Union made was $85K; across all loan types its typical loan ran from $85K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Delta Community Credit Union lend?
Delta Community Credit Union decided applications in 22 of the states Fat Boy Data covers, most of them in Georgia, Florida and Texas.
Can I apply to Delta Community Credit Union directly?
Yes. Delta Community Credit Union is a bank or credit union with 36 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Delta Community Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Delta Community Credit Union treats applications, then get a rate quote from the lender.