PHH Mortgage in Delaware vs the state
8.3%Denial rate-9.91 pts vs state
16.7%Decision denial rate-6.06 pts vs state
40.2%Origination rate-18.98 pts vs state
6.13%Median rate-0.50 pts vs state
0.23Rate spread (pts)-0.04 pts vs state
$87kMedian applicant income
39Loans originated
8Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 15 | 15.4% | 7.16% | #120 |
| 2024 | 71 | 25 | 11.3% | 6.76% | #91 |
| 2025 | 97 | 39 | 8.3% | 6.13% | #87 |
What PHH Mortgage lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 40 | 13 | 4 | 10.0% |
| Sussex County | 36 | 15 | 4 | 11.1% |
| Kent County | 21 | 11 | 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: 97 applications in 2025, of which 39 were originated and 8 denied.
8.3% of all applications, or 16.7% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans PHH Mortgage originated in Delaware in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are PHH 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