Applications / Mortgage Analytics / Lenders / Delaware / Del-One Federal Credit Union
Dover, DE · Credit union · NCUA · $968 million assets · 510 loans in 2025
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510
loans originated, 2025
1,125
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Del-One Federal Credit Union is a Delaware credit union of small home-improvement and other-purpose loans, with more lending to LMI (low- and moderate-income) borrowers than most similar lenders.
Home improvement was 35.1% of its loans and other purposes 32.2%; purchases were 16.5% and refinances 16.3%. Its typical loan was $75,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), among the lowest tenth.
LMI borrowers took 34.7% of its loans, against 27.1% at peers, more than about three-quarters of them, and up from 17.8% five years before. Loans in LMI areas were 19.4% and in majority-minority areas 19.4%, both above peers' shares.
Originations rose 6% to 510, the same as similar lenders; the whole market grew 10%. It made 296 loans in 2020 and peaked at 655 in 2022.
In Dover, where it ranked 21 of 274 lenders, its share fell 0.2 points to 1.4%. Its lending in dollars fell to $64.6 million from $68.5 million as its typical loan fell to $75,000 from $85,000, one possible reason for the lower share.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Del-One Federal Credit Union took 1,125 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.1% · Other 32.2% · Purchase 16.5% · Refinance 16.3%
Conventional 100.0% · of 510 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Delaware | 486 | 95.3% |
| Maryland | 15 | 2.9% |
| Pennsylvania | 7 | 1.4% |
| North Carolina | 1 | 0.2% |
| Tennessee | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dover | 182 |
| Wilmington | 167 |
| Montgomery County-Bucks County-Chester County | 7 |
| Baltimore-Columbia-Towson | 2 |
| Salisbury | 2 |
| Kingsport-Bristol | 1 |
| Virginia Beach-Chesapeake-Norfolk | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KDVJICP5T5BD05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 186780 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513919 | 1994–2017 |
Established 1 January 1960. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Del-One Federal Credit Union's data.
Del-One Federal Credit Union's data
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Del-One Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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