Hometown Equity Mortgage in Delaware vs the state
40.6%Denial rate+22.47 pts vs state
43.3%Decision denial rate+20.60 pts vs state
53.1%Origination rate-6.06 pts vs state
7.25%Median rate+0.63 pts vs state
1.41Rate spread (pts)+1.14 pts vs state
$293kMedian applicant income
17Loans originated
13Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 2 | 75.0% | 8.56% | #174 |
| 2024 | 8 | 3 | 50.0% | 7.50% | #266 |
| 2025 | 32 | 17 | 40.6% | 7.25% | #146 |
What Hometown Equity Mortgage lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 17 | 9 | 7 | 41.2% |
| Sussex County | 10 | 5 | 5 | 50.0% |
| Kent County | 5 | 3 | 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: 32 applications in 2025, of which 17 were originated and 13 denied.
40.6% of all applications, or 43.3% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Hometown Equity Mortgage originated in Delaware in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Hometown Equity Mortgage'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