Credit Human Federal Credit Union in Delaware vs the state
25.9%Denial rate+7.72 pts vs state
25.9%Decision denial rate+3.15 pts vs state
54.1%Origination rate-5.07 pts vs state
8.60%Median rate+1.97 pts vs state
2.58Rate spread (pts)+2.30 pts vs state
$86kMedian applicant income
46Loans originated
22Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 36 | 53.6% | 8.10% | #73 |
| 2024 | 94 | 53 | 29.8% | 8.70% | #80 |
| 2025 | 85 | 46 | 25.9% | 8.60% | #90 |
What Credit Human Federal Credit Union lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sussex County | 52 | 32 | 9 | 17.3% |
| Kent County | 21 | 9 | 7 | 33.3% |
| New Castle County | 12 | 5 | 6 | 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: 85 applications in 2025, of which 46 were originated and 22 denied.
25.9% of all applications, or 25.9% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Credit Human Federal Credit Union originated in Delaware in 2025 was 8.60%, against a statewide median of 6.63%.
About this data. Figures are Credit Human 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