Lenders › Delta Community Credit Union › Georgia
Delta Community Credit Union in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Delta Community Credit Union's 2024 HMDA record for Georgia covers 5,944 applications, 3,269 of them originated, worth $643m.
Its denial rate in the state was 32.5%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 32.2%.
The median rate spread on its Georgia originations was 0.1 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Delta Community Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 32.5% | 26.9% | 32.2% | 24.3% |
| Median rate spread, pp | 0.1 | 0.4 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.9% | 17.5% | 16.8% | 15.6% |
| Average originated loan | $197k | $313k | $204k | $329k |
| Home purchase share | 27.3% | 57.0% | 29.3% | 57.0% |
| FHA-insured share | 0.0% | 18.3% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 11.6% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 27% (893)Home improvement 36% (1,177)Refinancing 2% (61)Cash-out refinancing 18% (584)Other purpose 17% (554)
By type
Conventional 100% (3,269)
Denial reasons as coded
Share of 1,588 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fulton County | 1,004 | 495 | $109m | 38.4% |
| Cobb County | 700 | 425 | $92m | 27.7% |
| Coweta County | 546 | 364 | $60m | 22.0% |
| Gwinnett County | 630 | 279 | $56m | 45.2% |
| DeKalb County | 508 | 275 | $56m | 30.4% |
| Fayette County | 402 | 249 | $53m | 26.5% |
| Henry County | 371 | 201 | $25m | 34.0% |
| Cherokee County | 284 | 180 | $46m | 22.7% |
| Forsyth County | 307 | 171 | $46m | 28.6% |
| Clayton County | 232 | 95 | $9.7m | 49.5% |
| Hall County | 112 | 62 | $12m | 34.0% |
| Paulding County | 105 | 62 | $9.3m | 31.1% |
| Douglas County | 94 | 52 | $6.7m | 34.2% |
| Spalding County | 69 | 37 | $5.9m | 30.9% |
| Walton County | 40 | 25 | $5.0m | 21.9% |
| Carroll County | 36 | 24 | $3.9m | 25.0% |
| Jackson County | 44 | 20 | $4.5m | 31.0% |
| Newton County | 32 | 18 | $2.1m | 37.9% |
| Barrow County | 35 | 16 | $2.4m | 41.4% |
| Butts County | 25 | 15 | $2.4m | — |
| Meriwether County | 25 | 15 | $1.4m | — |
| Rockdale County | 37 | 12 | $1.5m | 55.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Delta Community Credit Union originate in Georgia in 2024?
3,269 loans totalling $643m, from 5,944 applications reported for properties in Georgia.
What is Delta Community Credit Union's denial rate in Georgia?
32.5% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 32.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Georgia counties does Delta Community Credit Union lend in most?
By originations: Fulton County (495), Cobb County (425), Coweta County (364), Gwinnett County (279), DeKalb County (275).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.