Citizens Bank in Delaware vs the state
29.3%Denial rate+11.17 pts vs state
32.4%Decision denial rate+9.66 pts vs state
59.5%Origination rate+0.33 pts vs state
7.65%Median rate+1.03 pts vs state
0.43Rate spread (pts)+0.16 pts vs state
$95kMedian applicant income
972Loans originated
479Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,782 | 962 | 35.4% | 8.50% | #1 |
| 2024 | 1,444 | 821 | 30.9% | 8.90% | #5 |
| 2025 | 1,633 | 972 | 29.3% | 7.65% | #3 |
What Citizens Bank lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 914 | 542 | 273 | 29.9% |
| Sussex County | 450 | 261 | 136 | 30.2% |
| Kent County | 269 | 169 | 70 | 26.0% |
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% |
| 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% |
| Pennymac Loan Services | C | 1,056 | 11.7% | 6.62% |
Frequently asked questions
Delaware: 1,633 applications in 2025, of which 972 were originated and 479 denied.
29.3% of all applications, or 32.4% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Citizens Bank originated in Delaware in 2025 was 7.65%, against a statewide median of 6.63%.
About this data. Figures are Citizens 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