Navy Federal Credit Union in Delaware vs the state
19.0%Denial rate+0.82 pts vs state
28.7%Decision denial rate+5.93 pts vs state
46.3%Origination rate-12.89 pts vs state
7.75%Median rate+1.13 pts vs state
0.95Rate spread (pts)+0.68 pts vs state
$121kMedian applicant income
344Loans originated
141Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 685 | 272 | 28.8% | 7.56% | #13 |
| 2024 | 759 | 362 | 23.5% | 8.12% | #13 |
| 2025 | 743 | 344 | 19.0% | 7.75% | #16 |
What Navy Federal Credit Union lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 348 | 158 | 71 | 20.4% |
| Sussex County | 215 | 107 | 29 | 13.5% |
| Kent County | 180 | 79 | 41 | 22.8% |
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: 743 applications in 2025, of which 344 were originated and 141 denied.
19.0% of all applications, or 28.7% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Navy Federal Credit Union originated in Delaware in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Navy 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