Emm Loans in Delaware vs the state
4.6%Denial rate-13.61 pts vs state
5.4%Decision denial rate-17.32 pts vs state
77.3%Origination rate+18.08 pts vs state
6.19%Median rate-0.44 pts vs state
0.08Rate spread (pts)-0.19 pts vs state
$94kMedian applicant income
34Loans originated
2Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 129 | 89 | 2.3% | 6.38% | #66 |
| 2024 | 64 | 44 | 3.1% | 6.13% | #100 |
| 2025 | 44 | 34 | 4.6% | 6.19% | #126 |
What Emm Loans lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 21 | 17 | 0 | 0.0% |
| Kent County | 12 | 11 | 0 | 0.0% |
| Sussex County | 11 | 6 | 2 | 18.2% |
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: 44 applications in 2025, of which 34 were originated and 2 denied.
4.6% of all applications, or 5.4% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Emm Loans originated in Delaware in 2025 was 6.19%, against a statewide median of 6.63%.
About this data. Figures are Emm Loans'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