The Federal Savings Bank in Delaware vs the state
12.4%Denial rate-5.75 pts vs state
25.4%Decision denial rate+2.64 pts vs state
35.0%Origination rate-24.15 pts vs state
6.50%Median rate-0.13 pts vs state
0.31Rate spread (pts)+0.04 pts vs state
$84kMedian applicant income
48Loans originated
17Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 160 | 51 | 9.4% | 6.50% | #58 |
| 2024 | 120 | 40 | 10.0% | 6.13% | #67 |
| 2025 | 137 | 48 | 12.4% | 6.50% | #67 |
What The Federal Savings Bank lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 50 | 17 | 5 | 10.0% |
| New Castle County | 45 | 17 | 4 | 8.9% |
| Sussex County | 42 | 14 | 8 | 19.0% |
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: 137 applications in 2025, of which 48 were originated and 17 denied.
12.4% of all applications, or 25.4% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans The Federal Savings Bank originated in Delaware in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are The Federal Savings Bank'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