American Financing in Delaware vs the state
53.5%Denial rate+35.33 pts vs state
69.7%Decision denial rate+46.97 pts vs state
14.0%Origination rate-45.24 pts vs state
6.38%Median rate-0.25 pts vs state
-0.16Rate spread (pts)-0.44 pts vs state
$86kMedian applicant income
6Loans originated
23Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 7 | 40.0% | 6.38% | #136 |
| 2024 | 47 | 8 | 61.7% | 5.31% | #113 |
| 2025 | 43 | 6 | 53.5% | 6.38% | #128 |
What American Financing lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 17 | 1 | 11 | 64.7% |
| Sussex County | 16 | 2 | 7 | 43.8% |
| Kent County | 10 | 3 | 5 | 50.0% |
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: 43 applications in 2025, of which 6 were originated and 23 denied.
53.5% of all applications, or 69.7% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans American Financing originated in Delaware in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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