Flagstar Bank in Delaware vs the state
42.9%Denial rate+24.70 pts vs state
60.0%Decision denial rate+37.27 pts vs state
28.6%Origination rate-30.62 pts vs state
8.06%Median rate+1.43 pts vs state
1.31Rate spread (pts)+1.04 pts vs state
$92kMedian applicant income
4Loans originated
6Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 40 | 17.8% | 7.13% | #90 |
| 2024 | 96 | 52 | 25.0% | 6.73% | #79 |
| 2025 | 14 | 4 | 42.9% | 8.06% | #208 |
What Flagstar Bank lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Flagstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sussex County | 7 | 3 | 2 | 28.6% |
| Kent County | 4 | 0 | 2 | 50.0% |
| New Castle County | 3 | 1 | 2 | 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: 14 applications in 2025, of which 4 were originated and 6 denied.
42.9% of all applications, or 60.0% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Flagstar Bank originated in Delaware in 2025 was 8.06%, against a statewide median of 6.63%.
About this data. Figures are Flagstar Bank'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