First Shore Federal Savings and Loan Association in Delaware vs the state
13.8%Denial rate-4.37 pts vs state
17.5%Decision denial rate-5.23 pts vs state
61.6%Origination rate+2.39 pts vs state
—Median rate
—Rate spread (pts)
$99kMedian applicant income
125Loans originated
28Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 251 | 145 | 17.5% | — | #42 |
| 2024 | 224 | 131 | 12.1% | — | #47 |
| 2025 | 203 | 125 | 13.8% | — | #54 |
What First Shore Federal Savings and Loan Association lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most First Shore Federal Savings and Loan Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sussex County | 184 | 115 | 25 | 13.6% |
| Kent County | 18 | 10 | 3 | 16.7% |
| New Castle County | 1 | 0 | 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: 203 applications in 2025, of which 125 were originated and 28 denied.
13.8% of all applications, or 17.5% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Shore Federal Savings and Loan Association'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