First Credit Corporation of New York in Delaware vs the state
57.1%Denial rate+38.98 pts vs state
66.7%Decision denial rate+43.94 pts vs state
10.7%Origination rate-48.48 pts vs state
7.99%Median rate+1.37 pts vs state
1.60Rate spread (pts)+1.33 pts vs state
$64kMedian applicant income
3Loans originated
16Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 6 | 65.7% | 7.49% | #124 |
| 2024 | 23 | 0 | 78.3% | — | #169 |
| 2025 | 28 | 3 | 57.1% | 7.99% | #160 |
What First Credit Corporation of New York lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most First Credit Corporation of New York applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 14 | 0 | 11 | 78.6% |
| Kent County | 8 | 3 | 1 | 12.5% |
| Sussex County | 6 | 0 | 4 | 66.7% |
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: 28 applications in 2025, of which 3 were originated and 16 denied.
57.1% of all applications, or 66.7% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans First Credit Corporation of New York originated in Delaware in 2025 was 7.99%, against a statewide median of 6.63%.
About this data. Figures are First Credit Corporation of New York'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