21st Mortgage in Delaware vs the state
46.8%Denial rate+28.68 pts vs state
76.9%Decision denial rate+54.16 pts vs state
13.8%Origination rate-45.40 pts vs state
10.28%Median rate+3.65 pts vs state
4.88Rate spread (pts)+4.61 pts vs state
$62kMedian applicant income
48Loans originated
163Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 457 | 76 | 49.0% | 10.68% | #24 |
| 2024 | 390 | 53 | 49.0% | 10.51% | #33 |
| 2025 | 348 | 48 | 46.8% | 10.28% | #37 |
What 21st Mortgage lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 182 | 26 | 87 | 47.8% |
| Sussex County | 95 | 16 | 40 | 42.1% |
| Kent County | 71 | 6 | 36 | 50.7% |
Other large lenders in Delaware
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 2,381 | 15.5% | 6.88% |
| Wilmington Savings Fund Society | B | 1,801 | 16.6% | 7.25% |
| Citizens Bank | C | 1,633 | 29.3% | 7.65% |
| PNC Bank | D | 1,492 | 25.1% | 7.50% |
| NVR Mortgage Finance | B | 1,414 | 18.7% | 6.63% |
| United Shore Financial Services | B | 1,408 | 13.0% | 6.13% |
| Pike Creek Mortgage Services | B | 1,383 | 2.2% | 6.38% |
| Manufacturers and Traders Trust | C | 1,337 | 32.5% | 5.99% |
| Newrez | D | 1,127 | 18.4% | 6.50% |
| Del-One Federal Credit Union | D | 1,070 | 41.3% | 7.00% |
Frequently asked questions
Delaware: 348 applications in 2025, of which 48 were originated and 163 denied.
46.8% of all applications, or 76.9% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans 21st Mortgage originated in Delaware in 2025 was 10.28%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Delaware, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology