DuPont Community Federally Insured State-Chartered 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 A 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%
86th13.0% deniedPricingmedian rate spread over APOR, weight 30%
53rd0.09 ptsProcesswithdrawn + incomplete share, weight 15%
75th8.2%Closing coststotal loan costs ÷ loan amount, weight 10%
49th3.17% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,241 | 861 | 14.7% | 16.5% | 7.75% | $111M |
| 2024 | 993 | 777 | 12.5% | 13.4% | 8.00% | $100M |
| 2025 | 1,689 | 1,330 | 12.0% | 13.0% | 7.25% | $178M |
What DuPont Community Federally Insured State-Chartered 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: 1,284 home-equity lines, 0 reverse mortgages, 56 manufactured homes, 60 investment properties.
Why DuPont Community Federally Insured State-Chartered Credit Union denies applications
Primary reason reported for each of the 202 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at DuPont Community Federally Insured State-Chartered 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 | 265 | 164 | 28.7% |
| $50k – $100k | 752 | 597 | 12.5% |
| $100k – $150k | 414 | 358 | 7.0% |
| $150k – $250k | 172 | 148 | 6.3% |
| Over $250k | 46 | 39 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 39 | 28 | 9.7% |
| 25–34 | 225 | 172 | 13.8% |
| 35–44 | 359 | 286 | 11.6% |
| 45–54 | 383 | 295 | 15.3% |
| 55–64 | 319 | 255 | 14.1% |
| 65–74 | 245 | 199 | 12.7% |
| Over 74 | 99 | 80 | 6.9% |
Where DuPont Community Federally Insured State-Chartered Credit Union lends
1 states and 52 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Virginia | 1,689 | 1,330 | 12.0% | 7.25% | #48 |
Frequently asked questions
DuPont Community Federally Insured State-Chartered Credit Union denied 13.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 86th percentile of home-equity (HELOC) lenders.
The most common reason DuPont Community Federally Insured State-Chartered Credit Union gave in 2025 was "debt-to-income ratio", cited on 62.9% 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 DuPont Community Federally Insured State-Chartered Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.09 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 13% of its applications were for home purchases, 50% for refinancing (including cash-out), and 36% 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.