Delaware Mortgage Lending in 2025
Explore residential mortgage lending activity in Delaware using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 19,432 actionable applications (Actions 1, 2, and 3).
How Delaware Compares
Key metrics: Delaware vs. U.S. (2025)
| Metric | Delaware | U.S. |
|---|---|---|
| Actionable Apps | 19,432 | 5,197,320 |
| Approval Rate | 82.59% | 82.12% |
| Denial Rate | 17.41% | 17.88% |
| Originations | 15,418 | 4,052,301 |
| Originated Volume | $5.52 Billion | $1.58 Trillion |
| Median Loan | $335,000 | $325,000 |
Lending Trends in Delaware
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 22,852 | 25,180 | +10.19% |
| Actionable Apps | 17,858 | 19,432 | +8.81% |
| Originations | 14,019 | 15,418 | +9.98% |
| Approval Rate | 81.68% | 82.59% | +0.91 pp |
| Denial Rate | 18.32% | 17.41% | -0.91 pp |
| Median Loan | $315,000 | $335,000 | +6.35% |
| Dollar Volume | $4.80 Billion | $5.52 Billion | +15.18% |
Applications by Borrower Income (Delaware)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 4,451 | 87.80% | 12.20% |
| $150k+ | 4,451 | 92.41% | 7.59% |
| $50k–$99,999 | 7,391 | 80.30% | 19.70% |
| <$50k | 1,810 | 52.93% | 47.07% |
| Income unavailable/entity | 1,329 | 85.40% | 14.60% |
Metropolitan Areas in Delaware
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Wilmington | 11,825 | 9,511 | 83.93% |
| Dover | 4,342 | 3,251 | 78.83% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Delaware (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | ROCKET MORTGAGE | 1,057 | 82.35% |
| 2 | PIKE CREEK MORTGAGE SERVICES, INC. | 1,030 | 97.54% |
| 3 | United Wholesale Mortgage | 890 | 85.86% |
| 4 | NVR MORTGAGE FINANCE, INC. | 877 | 78.09% |
| 5 | Keystone Funding, Inc | 564 | 95.49% |
| 6 | Meridian Bank | 525 | 97.41% |
| 7 | GUILD MORTGAGE COMPANY | 436 | 93.84% |
| 8 | Lennar Mortgage, LLC | 387 | 89.20% |
| 9 | loanDepot.com LLC | 362 | 86.22% |
| 10 | PROSPERITY HOME MORTGAGE, LLC | 334 | 93.04% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
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