Applications / Mortgage Analytics / Lenders / Delaware / Tidemark Federal Credit Union
Seaford, DE · Credit union · NCUA · $463 million assets · 66 loans in 2025
Tidemark Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
66
loans originated, 2025
105
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tidemark Federal Credit Union, based in Delaware, makes much bigger mortgages than similar credit unions, mostly to buy or refinance homes.
The typical loan in 2025 was $240,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), larger than nine in ten of them. It lent $18.7 million, about double the $9.4 million of the typical peer. Five years earlier its typical loan was $95,000, so the shift to larger loans is recent.
Purchases made up 53.0% of its loans and refinancing 43.9%, with other purposes at 3.0%. Every loan was conventional. Loans to buy or refinance a home tend to be larger than home-improvement loans, which may explain its loan size.
It made 66 loans, down 14% from 77, while similar lenders grew 7%; about three in four of them grew faster. Its volume has swung widely for years, from 111 in 2021 to 46 in 2022 and back to 86 in 2023, so one year's fall says little on its own.
In Dover, where it has lent since 2002, its share fell to 0.2% from 0.6%, ranking it 71 of 274. In Salisbury it fell to 0.1% from 0.5%. Its dollar lending dropped by about a quarter, and with so few loans in each market, a handful of large ones more or less could move these shares a long way. In rural Delaware it ranked 54 of 368.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tidemark Federal Credit Union took 105 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.0% · Refinance 43.9% · Other 3.0%
Conventional 100.0% · of 66 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 | 56 | 84.8% |
| Maryland | 10 | 15.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dover | 6 |
| Wilmington | 4 |
| Salisbury | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008G8ZYIEPB4CZ17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 879989 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513121 | 2002–2017 |
Established 1 January 1959. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Tidemark Federal Credit Union's data.
Tidemark Federal Credit Union's data
$215
Tidemark 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 Tidemark 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]