Wilmington Savings Fund Society in Delaware vs the state
16.6%Denial rate-1.61 pts vs state
19.5%Decision denial rate-3.25 pts vs state
67.2%Origination rate+7.99 pts vs state
7.25%Median rate+0.63 pts vs state
0.04Rate spread (pts)-0.23 pts vs state
$106kMedian applicant income
1,210Loans originated
298Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,601 | 995 | 23.7% | 8.00% | #2 |
| 2024 | 1,712 | 1,114 | 21.9% | 8.25% | #2 |
| 2025 | 1,801 | 1,210 | 16.6% | 7.25% | #2 |
What Wilmington Savings Fund Society lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Wilmington Savings Fund Society applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 1,125 | 769 | 181 | 16.1% |
| Sussex County | 349 | 247 | 48 | 13.8% |
| Kent County | 327 | 194 | 69 | 21.1% |
Other large lenders in Delaware
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 2,381 | 15.5% | 6.88% |
| 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% |
| Pennymac Loan Services | C | 1,056 | 11.7% | 6.62% |
Frequently asked questions
Delaware: 1,801 applications in 2025, of which 1,210 were originated and 298 denied.
16.6% of all applications, or 19.5% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Wilmington Savings Fund Society originated in Delaware in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Wilmington Savings Fund Society'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