Capital Bank in Delaware vs the state
2.2%Denial rate-15.99 pts vs state
2.6%Decision denial rate-20.13 pts vs state
81.5%Origination rate+22.33 pts vs state
6.62%Median rate0.00 pts vs state
0.18Rate spread (pts)-0.09 pts vs state
$182kMedian applicant income
225Loans originated
6Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 181 | 148 | 1.7% | 6.99% | #54 |
| 2024 | 247 | 188 | 1.6% | 6.88% | #42 |
| 2025 | 276 | 225 | 2.2% | 6.62% | #44 |
What Capital Bank lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sussex County | 258 | 213 | 4 | 1.6% |
| Kent County | 12 | 7 | 2 | 16.7% |
| New Castle County | 6 | 5 | 0 | 0.0% |
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: 276 applications in 2025, of which 225 were originated and 6 denied.
2.2% of all applications, or 2.6% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Capital Bank originated in Delaware in 2025 was 6.62%, against a statewide median of 6.63%.
About this data. Figures are Capital Bank'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