Applications / Mortgage Analytics / Lenders / Delaware / Dover Federal Credit Union
Dover, DE · Credit union · NCUA · $711 million assets · 144 loans in 2025
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144
loans originated, 2025
278
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dover Federal Credit Union, a Delaware credit union, splits its lending almost evenly four ways, and ranks 34 of 274 lenders in Dover, its largest market.
Home improvement and refinances each made up 27.1% of its loans, other purposes 25.7% and home purchases 20.1%, all conventional. Its typical loan, $85,000, was smaller than at about two-thirds of similar lenders (credit unions making between half and twice as many loans), where it was $105,000.
It has lent in Dover since 1994. In 2025 it held 0.8% of the market, up from 0.7%. United Wholesale Mortgage ranked first.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 22.2% of its loans, against 17.3% at similar lenders, a higher share than at about three in four of them. That was up from 14.2% in 2024. Majority-minority areas took 18.8%, against 9.8%. Its share of loans to LMI borrowers, 27.9%, was near the middle of its peers.
Originations fell 4% to 144, while similar lenders grew 9%. It made 334 in 2020. Its dollar total still rose, to $22.0 million from $18.7 million, as its typical loan grew from $65,000. Lending more for home improvements and other purposes than for purchases, its volume may rise and fall with members' plans more than with the housing market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dover Federal Credit Union took 278 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 27.1% · Refinance 27.1% · Other 25.7% · Purchase 20.1%
Conventional 100.0% · of 144 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 | 138 | 95.8% |
| Maryland | 4 | 2.8% |
| Pennsylvania | 1 | 0.7% |
| South Carolina | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dover | 86 |
| Wilmington | 35 |
| Baltimore-Columbia-Towson | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Philadelphia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006MX2M0D119SZ27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 336884 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512443 | 1991–2017 |
Established 1 January 1958. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Dover Federal Credit Union's data.
Dover Federal Credit Union's data
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Dover 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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