Del-One Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
3rd43.8% deniedPricingmedian rate spread over APOR, weight 30%
29th0.39 ptsProcesswithdrawn + incomplete share, weight 15%
94th6.0%Closing coststotal loan costs ÷ loan amount, weight 10%
2nd5.88% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,141 | 541 | 38.0% | 41.8% | 7.25% | $56M |
| 2024 | 1,130 | 482 | 44.0% | 48.4% | 8.00% | $68M |
| 2025 | 1,125 | 510 | 41.2% | 43.8% | 7.00% | $65M |
What Del-One Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 470 home-equity lines, 0 reverse mortgages, 41 manufactured homes, 13 investment properties.
Why Del-One Federal Credit Union denies applications
Primary reason reported for each of the 463 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Del-One Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 159 | 35 | 69.9% |
| $50k – $100k | 434 | 193 | 47.8% |
| $100k – $150k | 264 | 135 | 31.7% |
| $150k – $250k | 193 | 107 | 29.2% |
| Over $250k | 49 | 23 | 45.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 127 | 58 | 41.8% |
| 35–44 | 257 | 109 | 49.8% |
| 45–54 | 264 | 122 | 44.8% |
| 55–64 | 239 | 106 | 43.3% |
| 65–74 | 148 | 69 | 37.5% |
| Over 74 | 73 | 35 | 40.0% |
Where Del-One Federal Credit Union lends
6 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Delaware | 1,070 | 486 | 41.3% | 7.00% | #10 |
| Maryland | 42 | 15 | 42.9% | 7.25% | #337 |
| Pennsylvania | 10 | 7 | 20.0% | 6.63% | #692 |
Frequently asked questions
Del-One Federal Credit Union denied 43.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 3rd percentile of mid-size mortgage lenders.
The most common reason Del-One Federal Credit Union gave in 2025 was "other", cited on 48.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Del-One Federal Credit Union originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.39 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 14% of its applications were for home purchases, 15% for refinancing (including cash-out), and 70% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.