Applications / Mortgage Analytics / Lenders / Delaware / Dexsta Federal Credit Union
Wilmington, DE · Credit union · NCUA · $430 million assets · 169 loans in 2025
Dexsta Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
169
loans originated, 2025
186
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dexsta Federal Credit Union, of Wilmington, Delaware, lends mainly for home improvement and refinancing, and its loans are smaller than at most similar credit unions.
Home improvement made up 44.4% of its loans and refinances 40.8%. Home purchases were just 3.0%. All were conventional. Its typical loan, $85,000, was smaller than at more than two-thirds of similar lenders (credit unions making between half and twice as many loans), where it was $105,000.
Higher-priced loans (a rate well above the average for similar loans) were 2.4% of its lending, against 2.5% at similar lenders. Its typical rate, 6.75%, matched theirs, and fell from 7.50% in 2024.
Low- and moderate-income (LMI) borrowers took 32.1% of its loans, against 28.5% at peers. LMI neighborhoods took 15.5%, near the middle, down from 21.2% in 2024. Majority-minority areas took 14.8%, down from 22.4%.
Its loans fell 6% to 169, from 179 in 2024, its highest count since at least 2018. Similar lenders grew 7%. Its share in Dover slipped 0.1 points to 0.0%; fewer loans in a market that grew 10% may account for that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dexsta Federal Credit Union took 186 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 44.4% · Refinance 40.8% · Other 11.8% · Purchase 3.0%
Conventional 100.0% · of 169 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 | 157 | 92.9% |
| Maryland | 8 | 4.7% |
| Pennsylvania | 4 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wilmington | 156 |
| Dover | 5 |
| Montgomery County-Bucks County-Chester County | 3 |
| Philadelphia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DQ137S1HEMVL85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 225876 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52187 | 1993–2017 |
Established 1 January 1937. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Dexsta Federal Credit Union's data.
Dexsta Federal Credit Union's data
$215
Dexsta 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.
Buy Dexsta Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]