Police & Fire in Delaware vs the state
42.5%Denial rate+24.29 pts vs state
50.2%Decision denial rate+27.51 pts vs state
41.6%Origination rate-17.56 pts vs state
6.25%Median rate-0.38 pts vs state
0.10Rate spread (pts)-0.17 pts vs state
$114kMedian applicant income
102Loans originated
104Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 251 | 118 | 39.8% | 6.49% | #43 |
| 2024 | 246 | 105 | 45.1% | 6.74% | #43 |
| 2025 | 245 | 102 | 42.5% | 6.25% | #49 |
What Police & Fire lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Police & Fire applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 180 | 79 | 72 | 40.0% |
| Kent County | 40 | 9 | 23 | 57.5% |
| Sussex County | 25 | 14 | 9 | 36.0% |
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: 245 applications in 2025, of which 102 were originated and 104 denied.
42.5% of all applications, or 50.2% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Police & Fire originated in Delaware in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Police & Fire'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