Guaranteed Rate in Delaware vs the state
6.9%Denial rate-11.22 pts vs state
11.0%Decision denial rate-11.70 pts vs state
55.6%Origination rate-3.63 pts vs state
6.63%Median rate0.00 pts vs state
0.33Rate spread (pts)+0.05 pts vs state
$131kMedian applicant income
120Loans originated
15Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 57 | 4.2% | 6.58% | #85 |
| 2024 | 140 | 83 | 10.7% | 6.58% | #60 |
| 2025 | 216 | 120 | 6.9% | 6.63% | #52 |
What Guaranteed Rate lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 130 | 77 | 10 | 7.7% |
| Sussex County | 54 | 30 | 1 | 1.9% |
| Kent County | 31 | 13 | 4 | 12.9% |
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: 216 applications in 2025, of which 120 were originated and 15 denied.
6.9% of all applications, or 11.0% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Guaranteed Rate originated in Delaware in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate'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