Citadel Federal Credit Union in Delaware vs the state
30.5%Denial rate+12.35 pts vs state
43.9%Decision denial rate+21.17 pts vs state
36.7%Origination rate-22.47 pts vs state
6.63%Median rate0.00 pts vs state
0.79Rate spread (pts)+0.52 pts vs state
$115kMedian applicant income
65Loans originated
54Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 169 | 83 | 37.3% | 6.00% | #56 |
| 2024 | 147 | 72 | 35.4% | 5.93% | #59 |
| 2025 | 177 | 65 | 30.5% | 6.63% | #57 |
What Citadel Federal Credit Union lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Citadel Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 142 | 50 | 41 | 28.9% |
| Sussex County | 21 | 10 | 6 | 28.6% |
| Kent County | 14 | 5 | 7 | 50.0% |
Other large lenders in Delaware
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 2,381 | 15.5% | 6.88% |
| Wilmington Savings Fund Society | B | 1,801 | 16.6% | 7.25% |
| Citizens Bank | C | 1,633 | 29.3% | 7.65% |
| PNC Bank | D | 1,492 | 25.1% | 7.50% |
| NVR Mortgage Finance | B | 1,414 | 18.7% | 6.63% |
| United Shore Financial Services | B | 1,408 | 13.0% | 6.13% |
| Pike Creek Mortgage Services | B | 1,383 | 2.2% | 6.38% |
| Manufacturers and Traders Trust | C | 1,337 | 32.5% | 5.99% |
| Newrez | D | 1,127 | 18.4% | 6.50% |
| Del-One Federal Credit Union | D | 1,070 | 41.3% | 7.00% |
Frequently asked questions
Delaware: 177 applications in 2025, of which 65 were originated and 54 denied.
30.5% of all applications, or 43.9% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Citadel Federal Credit Union originated in Delaware in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Citadel Federal Credit Union's own HMDA filing for properties located in Delaware, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology