Dfcu Financial at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
82nd14.3% deniedPricingmedian rate spread over APOR, weight 30%
52nd0.10 ptsProcesswithdrawn + incomplete share, weight 15%
67th9.5%Closing coststotal loan costs ÷ loan amount, weight 10%
32nd3.86% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 3,915 | 2,207 | 16.3% | 20.0% | 7.49% | $323M |
| 2024 | 4,745 | 2,764 | 15.2% | 18.2% | 6.63% | $452M |
| 2025 | 4,862 | 3,280 | 12.9% | 14.3% | 6.25% | $654M |
What Dfcu Financial 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: 2,713 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 67 investment properties.
Why Dfcu Financial denies applications
Primary reason reported for each of the 628 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Dfcu Financial
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 580 | 260 | 33.7% |
| $50k – $100k | 1,616 | 1,051 | 17.3% |
| $100k – $150k | 1,185 | 883 | 8.8% |
| $150k – $250k | 969 | 724 | 8.2% |
| Over $250k | 458 | 331 | 6.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 82 | 61 | 10.1% |
| 25–34 | 573 | 391 | 14.5% |
| 35–44 | 830 | 535 | 16.7% |
| 45–54 | 1,016 | 696 | 14.8% |
| 55–64 | 1,177 | 796 | 14.1% |
| 65–74 | 810 | 547 | 12.9% |
| Over 74 | 358 | 242 | 12.4% |
Where Dfcu Financial lends
11 states and 109 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Dfcu Financial denied 14.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 82nd percentile of home-equity (HELOC) lenders.
The most common reason Dfcu Financial gave in 2025 was "debt-to-income ratio", cited on 37.1% 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 Dfcu Financial originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.10 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 23% of its applications were for home purchases, 17% for refinancing (including cash-out), and 60% 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.