Home Loan Investment Bank in Delaware vs the state
28.0%Denial rate+9.84 pts vs state
40.0%Decision denial rate+17.27 pts vs state
40.0%Origination rate-19.19 pts vs state
8.25%Median rate+1.63 pts vs state
4.50Rate spread (pts)+4.23 pts vs state
$115kMedian applicant income
20Loans originated
14Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 37 | 20.3% | 8.25% | #93 |
| 2024 | 64 | 23 | 23.4% | 7.95% | #102 |
| 2025 | 50 | 20 | 28.0% | 8.25% | #115 |
What Home Loan Investment Bank lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 25 | 12 | 7 | 28.0% |
| Sussex County | 20 | 7 | 6 | 30.0% |
| New Castle County | 5 | 1 | 1 | 20.0% |
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: 50 applications in 2025, of which 20 were originated and 14 denied.
28.0% of all applications, or 40.0% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Home Loan Investment Bank originated in Delaware in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Home Loan Investment 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