NFM in Delaware vs the state
0.8%Denial rate-17.33 pts vs state
1.0%Decision denial rate-21.69 pts vs state
79.2%Origination rate+19.98 pts vs state
6.63%Median rate0.00 pts vs state
0.39Rate spread (pts)+0.12 pts vs state
$105kMedian applicant income
95Loans originated
1Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 390 | 317 | 1.8% | 6.63% | #29 |
| 2024 | 115 | 92 | 2.6% | 6.99% | #68 |
| 2025 | 120 | 95 | 0.8% | 6.63% | #74 |
What NFM lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most NFM applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sussex County | 59 | 51 | 0 | 0.0% |
| Kent County | 37 | 28 | 1 | 2.7% |
| New Castle County | 24 | 16 | 0 | 0.0% |
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: 120 applications in 2025, of which 95 were originated and 1 denied.
0.8% of all applications, or 1.0% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans NFM originated in Delaware in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are NFM'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