OCMBC in Delaware vs the state
13.8%Denial rate-4.37 pts vs state
15.4%Decision denial rate-7.35 pts vs state
65.5%Origination rate+6.33 pts vs state
7.25%Median rate+0.63 pts vs state
0.47Rate spread (pts)+0.20 pts vs state
$168kMedian applicant income
19Loans originated
4Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 9 | 25.0% | 7.50% | #160 |
| 2024 | 44 | 19 | 40.9% | 7.88% | #119 |
| 2025 | 29 | 19 | 13.8% | 7.25% | #157 |
What OCMBC lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sussex County | 11 | 8 | 2 | 18.2% |
| Kent County | 9 | 7 | 0 | 0.0% |
| New Castle County | 9 | 4 | 2 | 22.2% |
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: 29 applications in 2025, of which 19 were originated and 4 denied.
13.8% of all applications, or 15.4% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans OCMBC originated in Delaware in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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