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Delta Community Credit Union

Credit Union•Atlanta, GAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Delta Community Credit Union — 1.1k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 43.40 basis points below market average
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Delta Community Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 43.4 bps below market avg
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,053 loans · 0.43% below market
Strong
Top 40% of lenders
4/5
Jumbo
53 loans · 0.41% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
916 loans · 0.43% below market
Strong
Top 40% of lenders
4/5
Refinance
190 loans · 0.47% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume1,053
Mix95.2%
Spread
-0.435%Below
Fees
$2,390Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume53
Mix4.8%
Spread
-0.413%Below
Fees
$3,654Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume916
Mix82.8%
Spread
-0.427%Below
Fees
$2,438Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume190
Mix17.2%
Spread
-0.467%Below
Fees
$2,486Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,106
Applications
1,673
Volume
$437 million
Pricing & Closing
Avg Rate Spread
-0.434%
vs. market APOR
Avg Net Fees
$2,446
Origination − Credits
Pullthrough Rate
66.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$395,714
Avg Borrower Income
$171,042
Avg Property Value
$557,170

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

19Full-year 2024 · HMDA
19 states with loan originations
Loans originated
< 1010–2020+None
Northeast2
MANY
Midwest3
INMNOH
South10
ALFLGAKYMDNCSCTNTXVA
West4
AZCACOUT

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 639Mix 57.78% of portfolio
89/100
Exceptional
2© Bubba73 · CC BY-SA 3.0
Marietta, GAMetro
Volume 205Mix 18.54% of portfolio
84/100
Exceptional
3© Ebyabe · CC BY 2.5
Gainesville, GAMetro
Volume 18Mix 1.63% of portfolio
55/100
Sound
4© Warren LeMay from Cincinnati, OH, United States · CC0
Cincinnati, OHMetro
Volume 15Mix 1.36% of portfolio
44/100
Sound

Top States by Place Specialization Score

Georgia
Georgia
1
GeorgiaState
Volume 929Mix 84.00% of portfolio
87/100
Exceptional
Florida
Florida
2
FloridaState
Volume 45Mix 4.07% of portfolio
47/100
Sound
Kentucky
Kentucky
3
KentuckyState
Volume 17Mix 1.54% of portfolio
44/100
Sound
Alabama
Alabama
4
AlabamaState
Volume 15Mix 1.36% of portfolio
43/100
Sound
Utah
Utah
5
UtahState
Volume 10Mix 0.90% of portfolio
39/100
Acceptable
Tennessee
Tennessee
6
TennesseeState
Volume 13Mix 1.18% of portfolio
39/100
Acceptable
Texas
Texas
7
TexasState
Volume 19Mix 1.72% of portfolio
39/100
Acceptable
North Carolina
North Carolina
8
North CarolinaState
Volume 13Mix 1.18% of portfolio
38/100
Acceptable
South Carolina
South Carolina
9
South CarolinaState
Volume 10Mix 0.90% of portfolio
37/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.