# DEL-ONE FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/del-one-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


DEL-ONE FEDERAL CREDIT UNION is a credit union, headquartered in Dover, DE, serving borrowers across 3 states, with 133 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 9% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300KDVJICP5T5BD05
- **Headquarters:** Dover, DE
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** DE, MD, PA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 91/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.060%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $872
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 133
- **Dollar Volume:** $39 million
- **Applications Received:** 205
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $294,173
- **Average Borrower Income:** $105,789
- **Average Property Value:** $367,105

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Purchase Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 133 | -0.060% | $872 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 93 loans, Score: 45/100 (Sound)
- Refinance: 40 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 93 | $29M | -0.100% | Sound ☺️ |
| Refinance | 54/100 | 40 | $10M | +0.042% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| DE | 123 | 0.86% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Wilmington, DE |  | 73 | 73/100 |
| Dover, DE | DE | 33 | 72/100 |
| Non |  | 21 | 35/100 |

## Where This Lender Ranks

DEL-ONE FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Dover, DE for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/dover-de/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Wilmington, DE for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Dover, DE
  - [View Full Rankings](https://saferate.com/dover-de/best-mortgage-lenders)
- 🏆 **#10** in Delaware
  - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders)
- 🏆 **#10** in Wilmington, DE
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders)
- 🏆 **#11** in Dover, DE for Conventional Loans
  - [View Full Rankings](https://saferate.com/dover-de/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does DEL-ONE FEDERAL CREDIT UNION offer?

DEL-ONE FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does DEL-ONE FEDERAL CREDIT UNION offer mortgages?

DEL-ONE FEDERAL CREDIT UNION offers mortgages in 3 states: DE, MD, PA.

### How competitive are DEL-ONE FEDERAL CREDIT UNION's mortgage rates?

DEL-ONE FEDERAL CREDIT UNION has a pricing score of 91/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.060% below market average.

### What type of lender is DEL-ONE FEDERAL CREDIT UNION?

DEL-ONE FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Dover, DE.

### What is DEL-ONE FEDERAL CREDIT UNION's loan approval success rate?

DEL-ONE FEDERAL CREDIT UNION has a pull-through score of 58/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/del-one-federal-credit-union

### How to Cite

> "DEL-ONE FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/del-one-federal-credit-union

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