First National Bank of Pennsylvania in Delaware vs the state
17.9%Denial rate-0.25 pts vs state
19.4%Decision denial rate-3.38 pts vs state
74.6%Origination rate+15.44 pts vs state
6.63%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.13 pts vs state
$212kMedian applicant income
50Loans originated
12Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 34 | 24.5% | 6.31% | #103 |
| 2024 | 83 | 60 | 19.3% | 6.88% | #86 |
| 2025 | 67 | 50 | 17.9% | 6.63% | #103 |
What First National Bank of Pennsylvania 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 Pennsylvania applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sussex County | 52 | 40 | 9 | 17.3% |
| Kent County | 9 | 5 | 2 | 22.2% |
| New Castle County | 6 | 5 | 1 | 16.7% |
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: 67 applications in 2025, of which 50 were originated and 12 denied.
17.9% of all applications, or 19.4% 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 Pennsylvania originated in Delaware in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of Pennsylvania'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