Freedom in Delaware vs the state
50.0%Denial rate+31.84 pts vs state
50.0%Decision denial rate+27.27 pts vs state
50.0%Origination rate-9.19 pts vs state
6.38%Median rate-0.25 pts vs state
0.07Rate spread (pts)-0.20 pts vs state
$117kMedian applicant income
3Loans originated
3Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 7 | 41.7% | 6.25% | #209 |
| 2024 | 19 | 13 | 31.6% | 6.38% | #182 |
| 2025 | 6 | 3 | 50.0% | 6.38% | #293 |
What Freedom lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Freedom applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 4 | 3 | 1 | 25.0% |
| Kent County | 2 | 0 | 2 | 100.0% |
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: 6 applications in 2025, of which 3 were originated and 3 denied.
50.0% of all applications, or 50.0% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Freedom originated in Delaware in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Freedom'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