Delta Community Credit Union Mortgage Lending & HMDA Data, 2016
In 2016, Delta Community Credit Union of Atlanta, GA reported 6,352 mortgage applications totaling $1.1 billion, up 28% from 2015. The average application was for $176,886, and applicants reported an average income of $95,292. 49% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (5,317), Gainesville, GA (66) and Cincinnati, OH-KY-IN (43) (applications in parentheses).
| Mortgage Company & Address | Delta Community Credit Union 3270 Riverwood Pkwy Atlanta, GA 30339 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,352 |
| Total Mortgage Loan Application Amount | $1,123,584,000 |
| Average Mortgage Loan Application Amount | $176,886 |
| Highest Mortgage Loan Application Amount | $2,025,000 |
| Average Applicant Income | $95,292 |
| Highest Applicant Income | $1,932,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Delta Community Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 5,317 | $ 930,897,000 | $ 175,079 | $ 93,000 |
| Gainesville, GA | 66 | $ 12,317,000 | $ 186,621 | $ 117,000 |
| Cincinnati, OH-KY-IN | 43 | $ 6,951,000 | $ 161,651 | $ 70,255 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 39 | $ 7,815,000 | $ 200,384 | $ 105,000 |
| Tampa-St. Petersburg-Clearwater, FL | 36 | $ 6,469,000 | $ 179,694 | $ 94,000 |
| Dallas-Plano-Irving, TX | 30 | $ 6,285,000 | $ 209,500 | $ 110,000 |
| Salt Lake City, UT | 30 | $ 5,059,000 | $ 168,633 | $ 91,000 |
| Miami-Miami Beach-Kendall, FL | 28 | $ 5,996,000 | $ 214,142 | $ 81,000 |
| Orlando-Kissimmee-Sanford, FL | 27 | $ 5,430,000 | $ 201,111 | $ 124,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 25 | $ 4,594,000 | $ 183,760 | $ 91,000 |
| Los Angeles-Long Beach-Glendale, CA | 22 | $ 5,801,000 | $ 263,681 | $ 45,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 22 | $ 4,047,000 | $ 183,954 | $ 64,000 |
| Fort Worth-Arlington, TX | 20 | $ 3,412,000 | $ 170,600 | $ 82,000 |
| Charlotte-Concord-Gastonia, NC-SC | 19 | $ 3,706,000 | $ 195,052 | $ 115,789 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 19 | $ 3,802,000 | $ 200,105 | $ 102,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | $ 2,464,000 | $ 154,000 | $ 109,000 |
| New York-Jersey City-White Plains, NY-NJ | 13 | $ 2,931,000 | $ 225,461 | $ 97,000 |
| Ogden-Clearfield, UT | 13 | $ 2,264,000 | $ 174,153 | $ 130,000 |
| Palm Bay-Melbourne-Titusville, FL | 13 | $ 3,177,000 | $ 244,384 | $ 111,000 |
| Riverside-San Bernardino-Ontario, CA | 12 | $ 2,154,000 | $ 179,500 | $ 92,000 |
| Athens-Clarke County, GA | 11 | $ 1,992,000 | $ 181,090 | $ 143,000 |
| Columbus, GA-AL | 11 | $ 828,000 | $ 75,272 | $ 87,000 |
| Houston-The Woodlands-Sugar Land, TX | 11 | $ 1,418,000 | $ 128,909 | $ 30,000 |
| Panama City, FL | 11 | $ 1,464,000 | $ 133,090 | $ 129,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 2,509,000 | $ 250,900 | $ 177,000 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 2,643,000 | $ 264,300 | $ 102,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 2,790,000 | $ 279,000 | $ 129,200 |
| Knoxville, TN | 9 | $ 1,227,000 | $ 136,333 | $ 36,000 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 1,163,000 | $ 129,222 | $ 84,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 1,418,000 | $ 177,250 | $ 115,500 |
| Austin-Round Rock, TX | 8 | $ 1,578,000 | $ 197,250 | $ 175,000 |
| Charleston-North Charleston, SC | 8 | $ 1,937,000 | $ 242,125 | $ 89,000 |
| Durham-Chapel Hill, NC | 8 | $ 1,187,000 | $ 148,375 | $ 97,000 |
| Jacksonville, FL | 8 | $ 2,072,000 | $ 259,000 | $ 115,000 |
| Savannah, GA | 8 | $ 1,042,000 | $ 130,250 | $ 136,000 |
| Birmingham-Hoover, AL | 7 | $ 1,439,000 | $ 205,571 | $ 100,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 1,776,000 | $ 253,714 | $ 130,000 |
| Macon, GA | 7 | $ 869,000 | $ 124,142 | $ 58,000 |
| Mobile, AL | 7 | $ 2,091,000 | $ 298,714 | $ 144,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 7 | $ 387,000 | $ 55,285 | $ 121,714 |
| Port St. Lucie, FL | 7 | $ 1,725,000 | $ 246,428 | $ 63,000 |
| Chattanooga, TN-GA | 6 | $ 633,000 | $ 105,500 | $ 95,000 |
| Columbia, SC | 6 | $ 1,363,000 | $ 227,166 | $ 34,000 |
| Greenville-Anderson-Mauldin, SC | 6 | $ 1,466,000 | $ 244,333 | $ 139,000 |
| Montgomery, AL | 6 | $ 682,000 | $ 113,666 | $ 61,000 |
| Nassau County-Suffolk County, NY | 6 | $ 1,315,000 | $ 219,166 | $ 100,000 |
| Raleigh, NC | 6 | $ 1,208,000 | $ 201,333 | $ 331,000 |
| Warner Robins, GA | 6 | $ 788,000 | $ 131,333 | $ 70,000 |
| Cleveland-Elyria, OH | 5 | $ 484,000 | $ 96,800 | $ 74,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 1,507,000 | $ 301,400 | $ 134,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 5 | $ 1,306,000 | $ 261,200 | $ 94,000 |
| Albany, GA | 4 | $ 480,000 | $ 120,000 | $ 95,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 1,598,000 | $ 399,500 | $ 117,000 |
| Asheville, NC | 4 | $ 1,201,000 | $ 300,250 | $ 188,000 |
| Indianapolis-Carmel-Anderson, IN | 4 | $ 926,000 | $ 231,500 | $ 90,000 |
| Memphis, TN-MS-AR | 4 | $ 565,000 | $ 141,250 | $ 125,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 1,229,000 | $ 307,250 | $ 150,000 |
| San Diego-Carlsbad, CA | 4 | $ 1,320,000 | $ 330,000 | $ 75,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 248,000 | $ 82,666 | $ 79,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 284,000 | $ 94,666 | $ 68,000 |
| Hinesville, GA | 3 | $ 538,000 | $ 179,333 | $ 83,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 372,000 | $ 124,000 | $ 63,000 |
| Lynchburg, VA | 3 | $ 422,000 | $ 140,666 | $ 71,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 448,000 | $ 149,333 | $ 93,000 |
| Ocala, FL | 3 | $ 223,000 | $ 74,333 | $ 52,000 |
| Valdosta, GA | 3 | $ 209,000 | $ 69,666 | $ 95,000 |
| Auburn-Opelika, AL | 2 | $ 335,000 | $ 167,500 | $ 52,000 |
| Boston, MA | 2 | $ 752,000 | $ 376,000 | $ 411,000 |
| Brunswick, GA | 2 | $ 326,000 | $ 163,000 | $ 73,000 |
| Dayton, OH | 2 | $ 143,000 | $ 71,500 | $ 55,000 |
| Gainesville, FL | 2 | $ 244,000 | $ 122,000 | $ 115,000 |
| Lakeland-Winter Haven, FL | 2 | $ 367,000 | $ 183,500 | $ 23,000 |
| Muncie, IN | 2 | $ 182,000 | $ 91,000 | $ 68,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 656,000 | $ 328,000 | $ 108,000 |
| Punta Gorda, FL | 2 | $ 215,000 | $ 107,500 | $ 42,000 |
| Rome, GA | 2 | $ 509,000 | $ 254,500 | $ 97,000 |
| San Antonio-New Braunfels, TX | 2 | $ 634,000 | $ 317,000 | $ 114,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 260,000 | $ 130,000 | $ 142,000 |
| St. George, UT | 2 | $ 349,000 | $ 174,500 | $ 239,000 |
| Vallejo-Fairfield, CA | 2 | $ 564,000 | $ 282,000 | $ 134,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 199,000 | $ 99,500 | $ 63,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 216,000 | $ 216,000 | $ 120,000 |
| Amarillo, TX | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 73,000 | $ 73,000 | $ 39,000 |
| Burlington, NC | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Charlottesville, VA | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Dalton, GA | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Decatur, AL | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Dothan, AL | 1 | $ 342,000 | $ 342,000 | $ 56,000 |
| Duluth, MN-WI | 1 | $ 40,000 | $ 40,000 | $ 32,000 |
| Evansville, IN-KY | 1 | $ 99,000 | $ 99,000 | $ 42,000 |
| Florence-Muscle Shoals, AL | 1 | $ 163,000 | $ 163,000 | $ 85,000 |
| Glens Falls, NY | 1 | $ 61,000 | $ 61,000 | $ 47,000 |
| Greensboro-High Point, NC | 1 | $ 90,000 | $ 90,000 | $ 22,000 |
| Greenville, NC | 1 | $ 52,000 | $ 52,000 | $ 171,000 |
| Homosassa Springs, FL | 1 | $ 76,000 | $ 76,000 | $ 95,000 |
| Huntsville, AL | 1 | $ 198,000 | $ 198,000 | $ 239,000 |
| Jackson, MS | 1 | $ 80,000 | $ 80,000 | $ 131,000 |
| Logan, UT-ID | 1 | $ 106,000 | $ 106,000 | $ 235,000 |
| Mankato-North Mankato, MN | 1 | $ 180,000 | $ 180,000 | $ 89,000 |
| Michigan City-La Porte, IN | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Napa, CA | 1 | $ 60,000 | $ 60,000 | $ 167,000 |
| Provo-Orem, UT | 1 | $ 90,000 | $ 90,000 | $ 106,000 |
| Richmond, VA | 1 | $ 50,000 | $ 50,000 | $ 155,000 |
| Roanoke, VA | 1 | $ 158,000 | $ 158,000 | $ 66,000 |
| Santa Rosa, CA | 1 | $ 100,000 | $ 100,000 | $ 181,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 540,000 | $ 540,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 205,000 | $ 205,000 | $ 101,000 |
| Spartanburg, SC | 1 | $ 99,000 | $ 99,000 | $ 81,000 |
| The Villages, FL | 1 | $ 640,000 | $ 640,000 | $ 178,000 |
Mortgage Loan Application Detail Totals for Delta Community Credit Union in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,999 | $574,083,000 | $191,000 | $2,025,000 | $93,000 | $1,932,000 |
| Refinancing | 2,792 | $519,363,000 | $186,000 | $1,137,000 | $95,000 | $1,100,000 |
| Home Improvement | 561 | $30,138,000 | $53,000 | $590,000 | $109,000 | $464,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,846 | $519,107,000 | $182,000 | $1,507,000 | $111,000 | $1,041,000 |
| Not Provided | 2,220 | $399,472,000 | $179,000 | $2,025,000 | $81,000 | $1,932,000 |
| Black or African American | 766 | $111,762,000 | $145,000 | $745,000 | $79,000 | $1,538,000 |
| Hispanic | 270 | $41,980,000 | $155,000 | $720,000 | $75,000 | $300,000 |
| Asian | 220 | $46,715,000 | $212,000 | $788,000 | $114,000 | $684,000 |
| American Indian or Alaskan Native | 22 | $3,503,000 | $159,000 | $524,000 | $94,000 | $273,000 |
| Native Hawaiin or Other Pacific Islander | 8 | $1,045,000 | $130,000 | $266,000 | $61,000 | $105,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 6,352 | $1,123,584,000 | $176,000 | $2,025,000 | $95,000 | $1,932,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,131 | $561,432,000 | $179,000 | $1,755,000 | $115,000 | $1,256,000 |
| Application Approved But Not Accepted | 1,247 | $228,124,000 | $182,000 | $2,025,000 | $110,000 | $1,193,000 |
| File Closed For Incompleteness | 1,119 | $201,112,000 | $179,000 | $1,137,000 | $43,000 | $943,000 |
| Application Denied By Financial Institution | 752 | $108,746,000 | $144,000 | $740,000 | $76,000 | $1,932,000 |
| Application Withdrawn By Applicant | 103 | $24,170,000 | $234,000 | $1,507,000 | $32,000 | $1,041,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 283 | $41,078,000 | $145,000 | $725,000 | $75,000 | $1,538,000 |
| Debt-To-Income Ratio | 208 | $28,783,000 | $138,000 | $740,000 | $60,000 | $400,000 |
| Other | 135 | $19,620,000 | $145,000 | $725,000 | $91,000 | $1,932,000 |
| Collateral | 81 | $12,990,000 | $160,000 | $500,000 | $102,000 | $315,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $2,770,000 | $145,000 | $288,000 | $48,000 | $77,000 |
| Employment History | 13 | $1,177,000 | $90,000 | $179,000 | $44,000 | $114,000 |
| Unverifiable Information | 10 | $1,748,000 | $174,000 | $590,000 | $76,000 | $175,000 |
| Mortgage Insurance Denied | 2 | $237,000 | $118,000 | $160,000 | $52,000 | $59,000 |
| Credit Application Incomplete | 1 | $343,000 | $343,000 | $343,000 | $114,000 | $114,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Delta Community Credit Union's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Delta Community Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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