United Shore Financial Services in Delaware vs the state
13.0%Denial rate-5.16 pts vs state
14.7%Decision denial rate-8.00 pts vs state
72.2%Origination rate+13.04 pts vs state
6.13%Median rate-0.50 pts vs state
0.06Rate spread (pts)-0.21 pts vs state
$95kMedian applicant income
1,017Loans originated
183Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 589 | 464 | 10.2% | 6.75% | #15 |
| 2024 | 894 | 667 | 11.1% | 6.38% | #10 |
| 2025 | 1,408 | 1,017 | 13.0% | 6.13% | #6 |
What United Shore Financial Services lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 659 | 479 | 84 | 12.7% |
| Sussex County | 379 | 292 | 38 | 10.0% |
| Kent County | 370 | 246 | 61 | 16.5% |
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% |
| 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% |
| Pennymac Loan Services | C | 1,056 | 11.7% | 6.62% |
Frequently asked questions
Delaware: 1,408 applications in 2025, of which 1,017 were originated and 183 denied.
13.0% of all applications, or 14.7% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans United Shore Financial Services originated in Delaware in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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