First National Bank of America in Delaware vs the state
18.2%Denial rate+0.02 pts vs state
21.1%Decision denial rate-1.68 pts vs state
68.2%Origination rate+8.99 pts vs state
8.63%Median rate+2.00 pts vs state
2.97Rate spread (pts)+2.70 pts vs state
$92kMedian applicant income
15Loans originated
4Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 37 | 2.3% | 9.88% | #111 |
| 2024 | 28 | 16 | 21.4% | 9.75% | #156 |
| 2025 | 22 | 15 | 18.2% | 8.63% | #178 |
What First National Bank of America lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sussex County | 11 | 7 | 2 | 18.2% |
| New Castle County | 9 | 6 | 2 | 22.2% |
| Kent County | 2 | 2 | 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: 22 applications in 2025, of which 15 were originated and 4 denied.
18.2% of all applications, or 21.1% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans First National Bank of America originated in Delaware in 2025 was 8.63%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America'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