Dover Federal Credit Union
Dover Federal Credit Union received 278 applications in 2025 and made 144 mortgages, in 21 counties across 10 states. The median rate its borrowers got was 6.875% on a median loan of $85,000. Of 244 decisions, 99 were denials — 40.6%, most often for credit history.
| Legal Entity Identifier | 2549006MX2M0D119SZ27 |
|---|---|
| Applications received | 278 |
| Mortgages made | 144 |
| Denied | 99 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 34 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.013 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 29 | 5.875% | $255,000 | 9.1% |
| Refinancing | 32 | 6.500% | $115,000 | 30.4% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Other purposes | 76 | 7.400% | $65,000 | 50.0% |
Where Dover Federal Credit Union lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kent County, DE | 86 | 7.375% | 35.3% |
| New Castle County, DE | 35 | 6.400% | 43.6% |
| Sussex County, DE | 17 | 6.500% | 40.0% |
| Caroline County, MD | 2 | Under 10 loans | 33.3% |
| Dorchester County, MD | 1 | Under 10 loans | 0.0% |
| Queen Anne's County, MD | 1 | Under 10 loans | 0.0% |
| Delaware County, PA | 1 | Under 10 loans | 50.0% |
| Lancaster County, SC | 1 | Under 10 loans | 0.0% |
| Richmond County, GA | 0 | Under 10 loans | 100.0% |
| Kent County, MD | 0 | Under 10 loans | 100.0% |
| Montgomery County, MD | 0 | Under 10 loans | 100.0% |
| Somerset County, MD | 0 | Under 10 loans | Not published |
| Wicomico County, MD | 0 | Under 10 loans | 100.0% |
| Worcester County, MD | 0 | Under 10 loans | Not published |
| Jasper County, MS | 0 | Under 10 loans | Not published |
| Atlantic County, NJ | 0 | Under 10 loans | 100.0% |
| Tulsa County, OK | 0 | Under 10 loans | 100.0% |
| Allegheny County, PA | 0 | Under 10 loans | 100.0% |
| Philadelphia County, PA | 0 | Under 10 loans | 100.0% |
| Harris County, TX | 0 | Under 10 loans | 100.0% |
| Portsmouth city, VA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.