Dover Federal Credit Union mortgage approval rate & lending review
Dover Federal Credit Union decided 532 mortgage applications and funded 346 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Dover Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Dover Federal Credit Union at a glance
Approval is 5.7 points below the 71.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 74 / 80 | 99% | $305K | 73 |
| Home improvement loans | 55% | 140 / 254 | 100% | $55K | 140 |
| Refinance | 64% | 69 / 108 | 100% | $105K | 69 |
Dover Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Delaware | 67% | $105K | 490 | 325 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Dover Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kent County, DE | Home improvement loans | 61% | 163 | 100 |
| Kent County, DE | Refinance | 67% | 61 | 41 |
| New Castle County, DE | Home improvement loans | 47% | 59 | 28 |
| New Castle County, DE | Refinance | 65% | 31 | 20 |
| Sussex County, DE | Home improvement loans | 45% | 20 | 9 |
The county markets where Dover Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Dover Federal Credit Union
What is Dover Federal Credit Union's mortgage approval rate?
Dover Federal Credit Union approved 65.6% of the 532 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.7 points below the 71.3% national rate for the same mix of loan types.
How often do borrowers take the loan Dover Federal Credit Union offers?
Borrowers accepted 99% of the loans Dover Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Dover Federal Credit Union make?
The typical home improvement loan loan Dover Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Dover Federal Credit Union lend?
Dover Federal Credit Union decided applications in 13 of the states Fat Boy Data covers, most of them in Delaware, Pennsylvania and Texas.
Can I apply to Dover Federal Credit Union directly?
Yes. Dover Federal Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Dover Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Dover Federal Credit Union treats applications, then get a rate quote from the lender.