Delta Community Credit Union Mortgage Lending & HMDA Data, 2020
In 2020, Delta Community Credit Union of Atlanta, GA reported 9,419 mortgage applications totaling $1.9 billion, up 22% from 2019. The average application was for $200,560, and applicants reported an average income of $138,146. 50% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (8,006), Gainesville, GA (136) and Cincinnati, OH-KY-IN (56) (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 | 9,419 |
| Total Mortgage Loan Application Amount | $1,889,075,000 |
| Average Mortgage Loan Application Amount | $200,560 |
| Highest Mortgage Loan Application Amount | $1,885,000 |
| Average Applicant Income | $138,146 |
| Highest Applicant Income | $7,246,000 |
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records Delta Community Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 8,006 | $ 1,575,950,000 | $ 196,846 | $ 135,000 |
| Outside any metro area | 247 | $ 55,335,000 | $ 224,028 | $ 171,672 |
| Gainesville, GA | 136 | $ 28,090,000 | $ 206,544 | $ 121,000 |
| Cincinnati, OH-KY-IN | 56 | $ 8,300,000 | $ 148,214 | $ 121,196 |
| Orlando-Kissimmee-Sanford, FL | 47 | $ 9,985,000 | $ 212,446 | $ 128,000 |
| Dallas-Plano-Irving, TX | 41 | $ 8,335,000 | $ 203,292 | $ 249,000 |
| Fort Worth-Arlington, TX | 36 | $ 7,370,000 | $ 204,722 | $ 125,000 |
| Tampa-St. Petersburg-Clearwater, FL | 35 | $ 6,445,000 | $ 184,142 | $ 121,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 32 | $ 6,700,000 | $ 209,375 | $ 137,000 |
| Salt Lake City, UT | 31 | $ 6,465,000 | $ 208,548 | $ 142,000 |
| Athens-Clarke County, GA | 28 | $ 5,020,000 | $ 179,285 | $ 113,000 |
| Ogden-Clearfield, UT | 27 | $ 6,775,000 | $ 250,925 | $ 165,000 |
| Savannah, GA | 26 | $ 4,990,000 | $ 191,923 | $ 98,000 |
| Charlotte-Concord-Gastonia, NC-SC | 21 | $ 5,745,000 | $ 273,571 | $ 171,476 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 21 | $ 4,085,000 | $ 194,523 | $ 117,000 |
| Miami-Miami Beach-Kendall, FL | 19 | $ 5,215,000 | $ 274,473 | $ 172,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 19 | $ 5,065,000 | $ 266,578 | $ 191,000 |
| Houston-The Woodlands-Sugar Land, TX | 18 | $ 3,970,000 | $ 220,555 | $ 133,000 |
| Los Angeles-Long Beach-Glendale, CA | 18 | $ 6,850,000 | $ 380,555 | $ 130,000 |
| Palm Bay-Melbourne-Titusville, FL | 18 | $ 5,020,000 | $ 278,888 | $ 132,000 |
| Charleston-North Charleston, SC | 17 | $ 5,475,000 | $ 322,058 | $ 217,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 17 | $ 3,785,000 | $ 222,647 | $ 122,000 |
| Jacksonville, FL | 17 | $ 3,825,000 | $ 225,000 | $ 183,000 |
| Macon-Bibb County, GA | 16 | $ 2,970,000 | $ 185,625 | $ 124,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 16 | $ 3,120,000 | $ 195,000 | $ 133,000 |
| Crestview-Fort Walton Beach-Destin, FL | 15 | $ 6,395,000 | $ 426,333 | $ 399,000 |
| Knoxville, TN | 15 | $ 3,895,000 | $ 259,666 | $ 243,000 |
| Phoenix-Mesa-Scottsdale, AZ | 15 | $ 3,175,000 | $ 211,666 | $ 180,000 |
| Chattanooga, TN-GA | 14 | $ 2,710,000 | $ 193,571 | $ 151,000 |
| North Port-Sarasota-Bradenton, FL | 14 | $ 2,400,000 | $ 171,428 | $ 164,000 |
| Birmingham-Hoover, AL | 13 | $ 2,165,000 | $ 166,538 | $ 131,000 |
| Columbus, GA-AL | 13 | $ 1,425,000 | $ 109,615 | $ 93,000 |
| Raleigh, NC | 13 | $ 2,835,000 | $ 218,076 | $ 128,000 |
| Pensacola-Ferry Pass-Brent, FL | 12 | $ 2,550,000 | $ 212,500 | $ 158,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 12 | $ 2,450,000 | $ 204,166 | $ 199,666 |
| Nassau County-Suffolk County, NY | 11 | $ 3,615,000 | $ 328,636 | $ 146,000 |
| New York-Jersey City-White Plains, NY-NJ | 11 | $ 4,335,000 | $ 394,090 | $ 133,000 |
| Denver-Aurora-Lakewood, CO | 10 | $ 1,920,000 | $ 192,000 | $ 133,000 |
| Durham-Chapel Hill, NC | 10 | $ 2,570,000 | $ 257,000 | $ 167,000 |
| Panama City, FL | 9 | $ 1,655,000 | $ 183,888 | $ 166,000 |
| Port St. Lucie, FL | 8 | $ 1,950,000 | $ 243,750 | $ 208,000 |
| Greenville-Anderson-Mauldin, SC | 7 | $ 1,415,000 | $ 202,142 | $ 91,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 7 | $ 1,725,000 | $ 246,428 | $ 130,000 |
| Indianapolis-Carmel-Anderson, IN | 7 | $ 2,245,000 | $ 320,714 | $ 469,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 1,435,000 | $ 205,000 | $ 121,000 |
| Baltimore-Columbia-Towson, MD | 6 | $ 2,000,000 | $ 333,333 | $ 153,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 1,140,000 | $ 190,000 | $ 166,000 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 955,000 | $ 191,000 | $ 166,000 |
| Asheville, NC | 5 | $ 1,215,000 | $ 243,000 | $ 87,000 |
| Auburn-Opelika, AL | 5 | $ 1,595,000 | $ 319,000 | $ 253,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 1,145,000 | $ 229,000 | $ 164,000 |
| Cambridge-Newton-Framingham, MA | 5 | $ 1,485,000 | $ 297,000 | $ 127,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,775,000 | $ 355,000 | $ 268,000 |
| Huntsville, AL | 5 | $ 715,000 | $ 143,000 | $ 117,000 |
| Rome, GA | 5 | $ 805,000 | $ 161,000 | $ 111,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,255,000 | $ 251,000 | $ 183,000 |
| San Diego-Carlsbad, CA | 5 | $ 675,000 | $ 135,000 | $ 155,000 |
| Warner Robins, GA | 5 | $ 765,000 | $ 153,000 | $ 103,000 |
| Akron, OH | 4 | $ 480,000 | $ 120,000 | $ 136,000 |
| Columbia, SC | 4 | $ 700,000 | $ 175,000 | $ 90,000 |
| Columbus, OH | 4 | $ 460,000 | $ 115,000 | $ 78,000 |
| Johnson City, TN | 4 | $ 690,000 | $ 172,500 | $ 55,000 |
| Lexington-Fayette, KY | 4 | $ 610,000 | $ 152,500 | $ 96,000 |
| Louisville/Jefferson County, KY-IN | 4 | $ 730,000 | $ 182,500 | $ 162,000 |
| Memphis, TN-MS-AR | 4 | $ 650,000 | $ 162,500 | $ 144,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 570,000 | $ 142,500 | $ 74,750 |
| Punta Gorda, FL | 4 | $ 1,010,000 | $ 252,500 | $ 283,000 |
| Albany, GA | 3 | $ 265,000 | $ 88,333 | $ 119,000 |
| Austin-Round Rock, TX | 3 | $ 815,000 | $ 271,666 | $ 166,000 |
| Boulder, CO | 3 | $ 695,000 | $ 231,666 | $ 79,000 |
| Fort Collins, CO | 3 | $ 1,505,000 | $ 501,666 | $ 221,000 |
| Greensboro-High Point, NC | 3 | $ 505,000 | $ 168,333 | $ 119,000 |
| Montgomery, AL | 3 | $ 425,000 | $ 141,666 | $ 149,000 |
| Ocala, FL | 3 | $ 425,000 | $ 141,666 | $ 51,000 |
| Provo-Orem, UT | 3 | $ 1,315,000 | $ 438,333 | $ 369,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,405,000 | $ 468,333 | $ 159,000 |
| Tallahassee, FL | 3 | $ 425,000 | $ 141,666 | $ 78,000 |
| Tucson, AZ | 3 | $ 575,000 | $ 191,666 | $ 164,000 |
| Tyler, TX | 3 | $ 395,000 | $ 131,666 | $ 154,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 245,000 | $ 81,666 | $ 180,000 |
| Boston, MA | 2 | $ 690,000 | $ 345,000 | $ 86,000 |
| Cleveland, TN | 2 | $ 1,680,000 | $ 840,000 | $ 281,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 190,000 | $ 95,000 | $ 76,000 |
| El Paso, TX | 2 | $ 250,000 | $ 125,000 | $ 60,000 |
| Gainesville, FL | 2 | $ 270,000 | $ 135,000 | $ 109,000 |
| Lakeland-Winter Haven, FL | 2 | $ 310,000 | $ 155,000 | $ 130,000 |
| Mobile, AL | 2 | $ 210,000 | $ 105,000 | $ 101,000 |
| New Bern, NC | 2 | $ 370,000 | $ 185,000 | $ 81,000 |
| Richmond, VA | 2 | $ 400,000 | $ 200,000 | $ 55,000 |
| Roanoke, VA | 2 | $ 500,000 | $ 250,000 | $ 244,000 |
| Sebastian-Vero Beach, FL | 2 | $ 360,000 | $ 180,000 | $ 85,000 |
| St. George, UT | 2 | $ 550,000 | $ 275,000 | $ 80,000 |
| Sumter, SC | 2 | $ 390,000 | $ 195,000 | $ 196,000 |
| The Villages, FL | 2 | $ 280,000 | $ 140,000 | $ 70,000 |
| Valdosta, GA | 2 | $ 360,000 | $ 180,000 | $ 35,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 340,000 | $ 170,000 | $ 108,000 |
| Abilene, TX | 1 | $ 225,000 | $ 225,000 | $ 208,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 75,000 | $ 75,000 | $ 105,000 |
| Barnstable Town, MA | 1 | $ 435,000 | $ 435,000 | $ 210,000 |
| Brunswick, GA | 1 | $ 505,000 | $ 505,000 | $ 235,000 |
| Charlottesville, VA | 1 | $ 385,000 | $ 385,000 | $ 361,000 |
| Clarksville, TN-KY | 1 | $ 125,000 | $ 125,000 | $ 132,000 |
| Cleveland-Elyria, OH | 1 | $ 95,000 | $ 95,000 | $ 140,000 |
| College Station-Bryan, TX | 1 | $ 35,000 | $ 35,000 | $ 192,000 |
| Colorado Springs, CO | 1 | $ 365,000 | $ 365,000 | $ 112,000 |
| Corpus Christi, TX | 1 | $ 425,000 | $ 425,000 | $ 230,000 |
| Dalton, GA | 1 | $ 265,000 | $ 265,000 | $ 125,000 |
| Dothan, AL | 1 | $ 255,000 | $ 255,000 | $ 47,000 |
| Evansville, IN-KY | 1 | $ 55,000 | $ 55,000 | $ 56,000 |
| Flagstaff, AZ | 1 | $ 225,000 | $ 225,000 | $ 348,000 |
| Florence, SC | 1 | $ 175,000 | $ 175,000 | $ 54,000 |
| Fort Wayne, IN | 1 | $ 255,000 | $ 255,000 | $ 183,000 |
| Gary, IN | 1 | $ 75,000 | $ 75,000 | $ 100,000 |
| Grand Junction, CO | 1 | $ 315,000 | $ 315,000 | $ 518,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 245,000 | $ 245,000 | $ 87,000 |
| Homosassa Springs, FL | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 155,000 | $ 155,000 | $ 127,000 |
| Longview, TX | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
| Lynchburg, VA | 1 | $ 405,000 | $ 405,000 | $ 341,000 |
| Madera, CA | 1 | $ 355,000 | $ 355,000 | $ 89,000 |
| Napa, CA | 1 | $ 485,000 | $ 485,000 | $ 57,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 115,000 | $ 115,000 | $ 173,000 |
| Newark, NJ-PA | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 865,000 | $ 865,000 | $ 181,000 |
| Owensboro, KY | 1 | $ 125,000 | $ 125,000 | $ 98,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Reno, NV | 1 | $ 265,000 | $ 265,000 | $ 162,000 |
| Salinas, CA | 1 | $ 535,000 | $ 535,000 | $ 139,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 535,000 | $ 535,000 | $ 226,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 445,000 | $ 445,000 | $ 256,000 |
| San Rafael, CA | 1 | $ 115,000 | $ 115,000 | $ 269,000 |
| Springfield, MA | 1 | $ 75,000 | $ 75,000 | $ 109,000 |
| St. Cloud, MN | 1 | $ 105,000 | $ 105,000 | $ 401,000 |
| Texarkana, TX-AR | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Tuscaloosa, AL | 1 | $ 35,000 | $ 35,000 | $ 229,000 |
| Vallejo-Fairfield, CA | 1 | $ 245,000 | $ 245,000 | $ 207,000 |
| Wheeling, WV-OH | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Wilmington, NC | 1 | $ 215,000 | $ 215,000 | $ 144,000 |
| Winchester, VA-WV | 1 | $ 335,000 | $ 335,000 | $ 163,000 |
| Worcester, MA-CT | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Delta Community Credit Union in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,368 | $786,550,000 | $233,000 | $1,885,000 | $138,000 | $3,600,000 |
| Cash-out Refinancing | 2,444 | $505,700,000 | $206,000 | $1,405,000 | $127,000 | $4,500,000 |
| Home Purchase | 1,493 | $379,145,000 | $253,000 | $1,155,000 | $130,000 | $3,017,000 |
| Other Purpose | 1,214 | $130,420,000 | $107,000 | $915,000 | $160,000 | $7,246,000 |
| Home Improvement | 900 | $87,260,000 | $96,000 | $745,000 | $153,000 | $2,592,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 4,702 | $981,090,000 | $208,000 | $1,205,000 | $148,000 | $7,246,000 |
| Not Provided | 2,140 | $450,340,000 | $210,000 | $1,885,000 | $146,000 | $3,600,000 |
| Black or African American | 1,642 | $265,960,000 | $161,000 | $915,000 | $105,000 | $2,480,000 |
| Hispanic | 413 | $74,495,000 | $180,000 | $965,000 | $110,000 | $1,140,000 |
| Asian | 276 | $63,330,000 | $229,000 | $1,095,000 | $136,000 | $1,224,000 |
| American Indian or Alaskan Native | 40 | $7,050,000 | $176,000 | $885,000 | $104,000 | $371,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,380,000 | $138,000 | $315,000 | $178,000 | $528,000 |
| 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) | 9,419 | $1,889,075,000 | $200,000 | $1,885,000 | $138,000 | $7,246,000 |
| 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 | 4,694 | $958,970,000 | $204,000 | $1,205,000 | $138,000 | $2,150,000 |
| Application Withdrawn By Applicant | 1,776 | $373,190,000 | $210,000 | $1,885,000 | $146,000 | $4,032,000 |
| Application Denied By Financial Institution | 1,463 | $230,695,000 | $157,000 | $1,765,000 | $131,000 | $4,500,000 |
| File Closed For Incompleteness | 1,458 | $319,930,000 | $219,000 | $1,405,000 | $138,000 | $7,246,000 |
| Application Approved But Not Accepted | 15 | $3,515,000 | $234,000 | $765,000 | $122,000 | $260,000 |
| Preapproval Approved but not Accepted | 12 | $2,460,000 | $205,000 | $455,000 | $61,000 | $121,000 |
| Preapproval Denied by Financial Institution | 1 | $315,000 | $315,000 | $315,000 | $75,000 | $75,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 7,955 | $1,658,065,000 | $208,000 | $1,885,000 | $139,000 | $7,246,000 |
| Credit History | 591 | $90,355,000 | $152,000 | $1,005,000 | $169,000 | $4,500,000 |
| Debt-To-Income Ratio | 470 | $74,690,000 | $158,000 | $1,765,000 | $65,000 | $1,224,000 |
| Collateral | 219 | $36,565,000 | $166,000 | $975,000 | $165,000 | $2,592,000 |
| Employment History | 71 | $11,365,000 | $160,000 | $575,000 | $113,000 | $840,000 |
| Other | 66 | $9,980,000 | $151,000 | $965,000 | $200,000 | $2,093,000 |
| Unverifiable Information | 21 | $2,995,000 | $142,000 | $575,000 | $112,000 | $298,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $3,460,000 | $192,000 | $415,000 | $75,000 | $245,000 |
| Mortgage Insurance Denied | 4 | $1,220,000 | $305,000 | $435,000 | $95,000 | $120,000 |
| Credit Application Incomplete | 4 | $380,000 | $95,000 | $225,000 | $67,000 | $109,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Delta Community Credit Union's 2020 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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