Applications / Mortgage Analytics / Lenders / Georgia / Delta Community Credit Union
Atlanta, GA · Credit union · NCUA · $8.9 billion assets · 3,188 loans in 2025
Delta Community Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
3,188
loans originated, 2025
6,111
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Delta Community Credit Union makes larger loans than about nine in ten similar credit unions, and in 2025 its originations fell 12% while the typical peer grew, though the amount it lent rose.
Among similar lenders (credit unions making between half and twice as many loans), its 12% fall left its growth lower than more than nine in ten; the typical peer rose 9% and the whole market 10%. The amount it lent rose from $740.7 million to $796.8 million, and its typical loan from $125,000 to $195,000, so one possibility is a shift towards larger loans.
Its typical loan of $195,000 was higher than about nine in ten peers, whose typical loan was $105,000. Jumbo loans (larger than the conforming limit) were 3.3%, against 1.2%. Purchases made up 35.9% of its loans and home improvement 25.1%.
Majority-minority areas took 32.0% of its loans, against 9.1% for the typical peer, which may reflect Atlanta-Sandy Springs-Alpharetta, where it ranks 13 of 892 lenders. LMI (low- and moderate-income) borrowers took 18.8%, lower than more than four in five peers; its larger loans may point to more higher-income borrowers.
None of its loans were higher-priced (a rate well above the average for similar loans), against 1.5% for the typical peer. Its typical rate, 7.00%, matched peers'.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Delta Community Credit Union took 6,111 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 35.9% · Home improvement 25.1% · Refinance 23.4% · Other 15.6%
Conventional 100.0% · of 3,188 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 2,867 | 89.9% |
| Florida | 74 | 2.3% |
| Alabama | 28 | 0.9% |
| South Carolina | 28 | 0.9% |
| Texas | 27 | 0.8% |
| Utah | 23 | 0.7% |
| North Carolina | 22 | 0.7% |
| Kentucky | 21 | 0.7% |
| Tennessee | 20 | 0.6% |
| California | 19 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 2,120 |
| Marietta | 561 |
| Gainesville | 51 |
| Cincinnati | 25 |
| Salt Lake City-Murray | 16 |
| Orlando-Kissimmee-Sanford | 15 |
| Fort Worth-Arlington-Grapevine | 10 |
| Macon-Bibb County | 10 |
| Chattanooga | 9 |
| Nashville-Davidson--Murfreesboro--Franklin | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Y4BSP3BSFW7J29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 112499 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566357 | 1990–2017 |
Established 1 January 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Delta Community Credit Union's data.
Delta Community Credit Union's data
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Delta Community Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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