Mortgage comparisons Delta Community Credit Union

Delta Community Credit Union · Credit union

Delta Community Credit Union

Review published mortgage options and requirements, then request a personalized quote from the lender.

These lender examples are not linked to a reviewed program. Program-specific eligibility and requirements remain unverified.

Availability: Must be eligible for membership and become a member before the mortgage application can be processed.

Our take: Pros & Cons

What we like

  • Fixed interest rate and monthly principal-and-interest payment over the loan term.
  • First-mortgage options with a generally 1% origination fee or no origination fee.
  • Fixed-rate jumbo terms of 10, 15, 20 and 30 years; loan amounts $832,751–$5,000,000.

What to consider

  • Must be eligible for membership and become a member before the mortgage application can be processed.
  • Lender-wide minimum middle credit score is 640; jumbo credit scores as low as 700 may qualify. Other underwriting conditions apply.
  • Mortgages offered in 19 stated states and the District of Columbia; mobile homes are not eligible.

AI-generated lender-level assessment based on published information. Not a verified assessment of Lender examples — program link unverified; confirm program-specific conditions below.

Additional lender considerations
  • $500 lender-paid closing-cost credit for eligible purchase applications submitted through December 31, 2026; excludes refinance, home equity, HELOC and lot/land loans.
  • Visa, SSN/ITIN, foreign-credit and foreign-income mortgage acceptance are not stated in the reviewed sources.

Newcomer requirements

Lender examples — program link unverified

Fit not assessed · Check fit

View lender sources and requirements information

Rates and costs

Lender-published advertised examples. Assumptions differ between rows — these are not personalized prices or a cheapest-mortgage ranking.

Lender examples — program link unverified

Loan option Rate APR Points Monthly P&I
30-year fixed Conventional · Purchase Stale / expired Incomplete pricing details 6.75% 6.962% Not disclosed $1,621.49 USD
30-year fixed Jumbo · Purchase Stale / expired Incomplete pricing details 6.875% 6.986% Not disclosed $5,583.89 USD
30-year fixed Refinance Stale / expired Incomplete pricing details 6.75% 6.896% Not disclosed $2,334.95 USD
15-year fixed Jumbo · Purchase Stale / expired Incomplete pricing details 6.625% 6.804% Not disclosed $7,462.96 USD
15-year fixed Conventional · Purchase Stale / expired Incomplete pricing details 6% 6.338% Not disclosed $2,109.64 USD
15-year fixed Refinance Stale / expired Incomplete pricing details 6% 6.234% Not disclosed $3,037.89 USD

30-year fixed · Purchase

Interest rate
6.75%
APR
6.962%
Discount points
Not confirmed
Monthly P&I
$1,621.49 USD
Loan amount: $250,000.00 USD

Based on $250,000.00 USD loan · 720 credit score.

Key assumptions are incomplete. This example is not a personalized price.

P&I excludes taxes, homeowners insurance, mortgage insurance and HOA dues. Escrow collects some of these costs; it is not another charge.

Stale / expired — excluded from current-rate rankings

Rate effective: Not confirmed
Last successfully checked: 2026-10-26 12:28:09Z
Expiration: Not disclosed · Official rate source

The full effective timestamp/timezone is not confirmed.

See all assumptions

Original lender label: Fixed 30

Loan program: Conventional

Loan amount
$250,000.00 USD
Property value
$350,000.00 USD
Location
Not confirmed · Not confirmed · ZIP Not confirmed
Lender credits
Not confirmed
Origination fees
Not confirmed
Down payment
Not confirmed
LTV
Not confirmed
Credit-score assumption
720
Credit-score conditions
Not confirmed
DTI
Not confirmed
Occupancy
Primary residence
Property type
Single-family home
Escrow account requirement
Not confirmed
Rate lock
60 days
Relationship conditions
Not confirmed
Autopay conditions
Not confirmed
Cash out
Not confirmed
Additional assumptions
The rates quoted below have a 1% origination fee associated with the rate.

Find examples with these same recorded assumptions

Published costs for this example

Monthly principal and interest
$1,621.49 USD

Still to confirm: monthly payment and ownership costs; upfront fees and credits; closing costs and cash to close. Missing values are not zero.

P&I excludes taxes, insurance and HOA dues. Charges may overlap; we do not add a partial fee list into a closing-cost total.

Full cost and loan-feature disclosures

Missing cost items

  • Monthly mortgage insurance
  • Monthly property taxes
  • Monthly homeowners insurance
  • Monthly HOA dues
  • Discount points (dollars)
  • Origination fee
  • Lender credits
  • Upfront mortgage insurance
  • Other closing costs
  • Published closing costs
  • Down payment
  • Published cash to close

Monthly payment breakdown

All disclosed components below are lender-published examples for this scenario. The total calculated by NewcomerFI is shown only when every component is known or explicitly not applicable.

Principal and interest$1,621.49 USD
Mortgage insuranceNot confirmed
Property taxesNot confirmed
Homeowners insuranceNot confirmed
HOA duesNot confirmed
Estimated total housing paymentNot confirmed
Not confirmed

Escrow is not added again. Unknown components are not treated as zero. Utilities, maintenance and other ownership costs are outside this breakdown. ARM amounts describe the initial example and can change.

Upfront costs

Discount pointsNot confirmed · Not confirmed
Origination feesNot confirmed
Points included: Not confirmed
Lender creditsNot confirmed
Upfront mortgage insuranceNot confirmed
Other disclosed closing costsNot confirmed
Lender-published closing costsNot confirmed
Down paymentNot confirmed
Lender-published cash to closeNot confirmed
Closing costs includeNot confirmed
Cash to close includesNot confirmed

Items may overlap: points can be included in origination charges or closing costs. We do not add this partial fee list into a closing-cost or cash-to-close estimate.

Loan features and restrictions

Prepayment penalty
Not confirmed
Balloon payment
Not confirmed
Interest-only feature
Not confirmed
Interest-only period
Not confirmed
Loan term
360 months
Amortization period
Not confirmed

Estimate with my amounts

Three different numbers: the advertised example above is the lender's published pricing with its own assumptions; your estimate comes from the calculator using your amounts; your lender quote is only available from the lender after it reviews you.

How to apply

Lender examples — program link unverified

Document requirements are not confirmed. Ask the lender for its program-specific checklist.

  1. Confirm the program's identity, residency, credit and property requirements with the lender.
  2. Use the official application channel to request pricing for your actual scenario.
  3. Review the lender's written Loan Estimate, including costs and cash to close.

Visit lender ↗

Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.

Sources and methodology

About this lender

Conventional fixed-rate purchase and refinance mortgages for primary residences, second/vacation homes and investment properties, with origination-fee and no-origination-fee options. Fixed-rate jumbo loans are also available.

Legal lender: Delta Community Credit Union

Lending channel: Direct lending

Provider type: Credit union

Lending channels: Direct lending. Origination status: Active.

NMLS identifier: 401141

Published service states: AL,AZ,CA,CO,DC,FL,GA,IN,KY,MD,MA,MN,NY,NC,OH,SC,TN,TX,UT,VA

More lender directory information

Direct application information ↗

Must be eligible for membership and become a member before the mortgage application can be processed.

Directory verified: 2026-10-26 UTC · Official directory source ↗

Official mortgage terms · Profile reviewed: Oct 26, 2026

Rate history — separate scenarios

Each row keeps its own assumptions and source. Different scenarios are not a continuous rate trend. Missing dates are gaps, not interpolated prices.

Last checkedScenarioRate / APRSource and context
Oct 26, 2026 Jumbo Fixed 15 · Purchase · general 6.625% / 6.804% Official source
Assumptions for this observation

15-year fixed · Purchase

Interest rate
6.625%
APR
6.804%
Discount points
Not confirmed
Monthly P&I
$7,462.96 USD
Loan amount: $850,000.00 USD

Based on $850,000.00 USD loan · 720 credit score.

Key assumptions are incomplete. This example is not a personalized price.

P&I excludes taxes, homeowners insurance, mortgage insurance and HOA dues. Escrow collects some of these costs; it is not another charge.

Stale / expired — excluded from current-rate rankings

Rate effective: Not confirmed
Last successfully checked: 2026-10-26 12:28:39Z
Expiration: Not disclosed · Official rate source

The full effective timestamp/timezone is not confirmed.

See all assumptions

Original lender label: Jumbo Fixed 15

Loan program: Jumbo

Loan amount
$850,000.00 USD
Property value
$1,175,000.00 USD
Location
Not confirmed · Not confirmed · ZIP Not confirmed
Lender credits
Not confirmed
Origination fees
Not confirmed
Down payment
Not confirmed
LTV
Not confirmed
Credit-score assumption
720
Credit-score conditions
Not confirmed
DTI
Not confirmed
Occupancy
Primary residence
Property type
Single-family home
Escrow account requirement
Not confirmed
Rate lock
60 days
Relationship conditions
Not confirmed
Autopay conditions
Not confirmed
Cash out
Not confirmed
Additional assumptions
The rates quoted below have a 1% origination fee associated with the rate.

Find examples with these same recorded assumptions
Oct 26, 2026 Jumbo Fixed 30 · Purchase · general 6.875% / 6.986% Official source
Assumptions for this observation

30-year fixed · Purchase

Interest rate
6.875%
APR
6.986%
Discount points
Not confirmed
Monthly P&I
$5,583.89 USD
Loan amount: $850,000.00 USD

Based on $850,000.00 USD loan · 720 credit score.

Key assumptions are incomplete. This example is not a personalized price.

P&I excludes taxes, homeowners insurance, mortgage insurance and HOA dues. Escrow collects some of these costs; it is not another charge.

Stale / expired — excluded from current-rate rankings

Rate effective: Not confirmed
Last successfully checked: 2026-10-26 12:28:29Z
Expiration: Not disclosed · Official rate source

The full effective timestamp/timezone is not confirmed.

See all assumptions

Original lender label: Jumbo Fixed 30

Loan program: Jumbo

Loan amount
$850,000.00 USD
Property value
$1,175,000.00 USD
Location
Not confirmed · Not confirmed · ZIP Not confirmed
Lender credits
Not confirmed
Origination fees
Not confirmed
Down payment
Not confirmed
LTV
Not confirmed
Credit-score assumption
720
Credit-score conditions
Not confirmed
DTI
Not confirmed
Occupancy
Primary residence
Property type
Single-family home
Escrow account requirement
Not confirmed
Rate lock
60 days
Relationship conditions
Not confirmed
Autopay conditions
Not confirmed
Cash out
Not confirmed
Additional assumptions
The rates quoted below have a 1% origination fee associated with the rate.

Find examples with these same recorded assumptions
Oct 26, 2026 Fixed 15 · Purchase · general 6% / 6.338% Official source
Assumptions for this observation

15-year fixed · Purchase

Interest rate
6%
APR
6.338%
Discount points
Not confirmed
Monthly P&I
$2,109.64 USD
Loan amount: $250,000.00 USD

Based on $250,000.00 USD loan · 720 credit score.

Key assumptions are incomplete. This example is not a personalized price.

P&I excludes taxes, homeowners insurance, mortgage insurance and HOA dues. Escrow collects some of these costs; it is not another charge.

Stale / expired — excluded from current-rate rankings

Rate effective: Not confirmed
Last successfully checked: 2026-10-26 12:28:19Z
Expiration: Not disclosed · Official rate source

The full effective timestamp/timezone is not confirmed.

See all assumptions

Original lender label: Fixed 15

Loan program: Conventional

Loan amount
$250,000.00 USD
Property value
$350,000.00 USD
Location
Not confirmed · Not confirmed · ZIP Not confirmed
Lender credits
Not confirmed
Origination fees
Not confirmed
Down payment
Not confirmed
LTV
Not confirmed
Credit-score assumption
720
Credit-score conditions
Not confirmed
DTI
Not confirmed
Occupancy
Primary residence
Property type
Single-family home
Escrow account requirement
Not confirmed
Rate lock
60 days
Relationship conditions
Not confirmed
Autopay conditions
Not confirmed
Cash out
Not confirmed
Additional assumptions
The rates quoted below have a 1% origination fee associated with the rate.

Find examples with these same recorded assumptions
Oct 26, 2026 Fixed 30 · Purchase · general 6.75% / 6.962% Official source
Assumptions for this observation

30-year fixed · Purchase

Interest rate
6.75%
APR
6.962%
Discount points
Not confirmed
Monthly P&I
$1,621.49 USD
Loan amount: $250,000.00 USD

Based on $250,000.00 USD loan · 720 credit score.

Key assumptions are incomplete. This example is not a personalized price.

P&I excludes taxes, homeowners insurance, mortgage insurance and HOA dues. Escrow collects some of these costs; it is not another charge.

Stale / expired — excluded from current-rate rankings

Rate effective: Not confirmed
Last successfully checked: 2026-10-26 12:28:09Z
Expiration: Not disclosed · Official rate source

The full effective timestamp/timezone is not confirmed.

See all assumptions

Original lender label: Fixed 30

Loan program: Conventional

Loan amount
$250,000.00 USD
Property value
$350,000.00 USD
Location
Not confirmed · Not confirmed · ZIP Not confirmed
Lender credits
Not confirmed
Origination fees
Not confirmed
Down payment
Not confirmed
LTV
Not confirmed
Credit-score assumption
720
Credit-score conditions
Not confirmed
DTI
Not confirmed
Occupancy
Primary residence
Property type
Single-family home
Escrow account requirement
Not confirmed
Rate lock
60 days
Relationship conditions
Not confirmed
Autopay conditions
Not confirmed
Cash out
Not confirmed
Additional assumptions
The rates quoted below have a 1% origination fee associated with the rate.

Find examples with these same recorded assumptions
Oct 26, 2026 Fixed 15 · Refinance · general 6% / 6.234% Official source
Assumptions for this observation

15-year fixed · Refinance

Interest rate
6%
APR
6.234%
Discount points
Not confirmed
Monthly P&I
$3,037.89 USD
Loan amount: $360,000.00 USD

Based on $360,000.00 USD loan · 720 credit score.

Key assumptions are incomplete. This example is not a personalized price.

P&I excludes taxes, homeowners insurance, mortgage insurance and HOA dues. Escrow collects some of these costs; it is not another charge.

Stale / expired — excluded from current-rate rankings

Rate effective: Not confirmed
Last successfully checked: 2026-10-26 12:26:39Z
Expiration: Not disclosed · Official rate source

The full effective timestamp/timezone is not confirmed.

See all assumptions

Original lender label: Fixed 15

Loan program: Not confirmed

Loan amount
$360,000.00 USD
Property value
$450,000.00 USD
Location
Not confirmed · Not confirmed · ZIP Not confirmed
Lender credits
Not confirmed
Origination fees
Not confirmed
Down payment
Not confirmed
LTV
Not confirmed
Credit-score assumption
720
Credit-score conditions
Not confirmed
DTI
Not confirmed
Occupancy
Primary residence
Property type
Single-family home
Escrow account requirement
Not confirmed
Rate lock
60 days
Relationship conditions
Not confirmed
Autopay conditions
Not confirmed
Cash out
No
Additional assumptions
Not confirmed

Find examples with these same recorded assumptions
Oct 26, 2026 Fixed 30 · Refinance · general 6.75% / 6.896% Official source
Assumptions for this observation

30-year fixed · Refinance

Interest rate
6.75%
APR
6.896%
Discount points
Not confirmed
Monthly P&I
$2,334.95 USD
Loan amount: $360,000.00 USD

Based on $360,000.00 USD loan · 720 credit score.

Key assumptions are incomplete. This example is not a personalized price.

P&I excludes taxes, homeowners insurance, mortgage insurance and HOA dues. Escrow collects some of these costs; it is not another charge.

Stale / expired — excluded from current-rate rankings

Rate effective: Not confirmed
Last successfully checked: 2026-10-26 12:25:59Z
Expiration: Not disclosed · Official rate source

The full effective timestamp/timezone is not confirmed.

See all assumptions

Original lender label: Fixed 30

Loan program: Not confirmed

Loan amount
$360,000.00 USD
Property value
$450,000.00 USD
Location
Not confirmed · Not confirmed · ZIP Not confirmed
Lender credits
Not confirmed
Origination fees
Not confirmed
Down payment
Not confirmed
LTV
Not confirmed
Credit-score assumption
720
Credit-score conditions
Not confirmed
DTI
Not confirmed
Occupancy
Primary residence
Property type
Single-family home
Escrow account requirement
Not confirmed
Rate lock
60 days
Relationship conditions
Not confirmed
Autopay conditions
Not confirmed
Cash out
No
Additional assumptions
Not confirmed

Find examples with these same recorded assumptions

Rate history JSON

What do APR, points, LTV and reserves mean?
APR
An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
Discount points
An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
LTV
Loan-to-value: the loan amount relative to the property's value.
Reserves
Assets the lender may require you to retain after closing. Requirements differ by program.

CFPB: understand your Loan Estimate

Report a correction · How we compare

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