Credence Funding in Delaware vs the state
0.0%Denial rate-18.16 pts vs state
0.0%Decision denial rate-22.73 pts vs state
60.0%Origination rate+0.81 pts vs state
5.75%Median rate-0.88 pts vs state
-0.68Rate spread (pts)-0.95 pts vs state
—Median applicant income
3Loans originated
0Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 9 | 5 | 0.0% | 5.63% | #256 |
| 2025 | 5 | 3 | 0.0% | 5.75% | #315 |
What Credence Funding lends in Delaware
By loan purpose
By loan type
Where in Delaware
Counties with the most Credence Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 3 | 2 | 0 | 0.0% |
| New Castle County | 1 | 0 | 0 | 0.0% |
| Sussex County | 1 | 1 | 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: 5 applications in 2025, of which 3 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Credence Funding originated in Delaware in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Credence Funding'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