Largest lenders in Delaware County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Citizens Bank | C | 1,310 | 733 | 29.0% | 7.40% |
| 2 | Rocket Mortgage | C | 984 | 697 | 19.2% | 6.63% |
| 3 | Franklin Mint | B | 963 | 577 | 23.2% | 4.99% |
| 4 | Crosscountry Mortgage | B | 939 | 680 | 2.9% | 6.63% |
| 5 | Police & Fire | C | 695 | 324 | 35.7% | 6.24% |
| 6 | Citadel Federal Credit Union | C | 614 | 337 | 23.0% | 3.99% |
| 7 | Wilmington Savings Fund Society | B | 599 | 412 | 16.5% | 7.00% |
| 8 | Guaranteed Rate | B | 564 | 363 | 1.8% | 6.50% |
| 9 | United Shore Financial Services | B | 561 | 387 | 15.9% | 6.38% |
| 10 | PNC Bank | D | 492 | 291 | 24.0% | 7.79% |
| 11 | TD Bank | D | 475 | 250 | 25.5% | 7.54% |
| 12 | Prosperity Home Mortgage | A | 466 | 334 | 7.3% | 6.63% |
| 13 | Sun East Federal Credit Union | B | 453 | 268 | 23.8% | 4.99% |
| 14 | Pennymac Loan Services | C | 395 | 217 | 12.7% | 6.38% |
| 15 | Trumark Financial Credit Union | C | 362 | 211 | 26.2% | 6.74% |
| 16 | Movement Mortgage | A | 345 | 263 | 3.2% | 6.63% |
| 17 | Newrez | D | 326 | 86 | 22.4% | 6.63% |
| 18 | Bank of America | F | 314 | 126 | 28.7% | 5.99% |
| 19 | Broker Solutions | D | 314 | 164 | 8.3% | 6.88% |
| 20 | Navy Federal Credit Union | D | 286 | 117 | 24.8% | 7.75% |
| 21 | Freedom Mortgage | B | 255 | 86 | 12.9% | 6.38% |
| 22 | JPMorgan Chase Bank | B | 201 | 120 | 11.9% | 6.50% |
| 23 | Loandepot.Com | D | 194 | 105 | 24.7% | 6.63% |
| 24 | Wells Fargo Bank | B | 189 | 95 | 20.6% | 6.13% |
| 25 | CMG Mortgage | A | 189 | 146 | 4.2% | 6.63% |
Best approval odds in Delaware County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Coastal Community Bank | 119 | 0.0% |
| 2 | Bhcu | 135 | 0.7% |
| 3 | Keystone Funding | 125 | 2.4% |
| 4 | Guild Mortgage | 78 | 2.6% |
| 5 | Guaranteed Rate | 379 | 2.6% |
| 6 | Movement Mortgage | 305 | 3.6% |
| 7 | Crosscountry Mortgage | 721 | 3.7% |
| 8 | Provident Funding Associates | 78 | 3.9% |
| 9 | Meridian Bank | 98 | 4.1% |
| 10 | Kiavi Funding | 141 | 4.3% |
What Delaware County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Delaware County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 18,032 | 10,395 | 21.1% | 6.94% | $165,000 |
| 2024 | 19,050 | 11,064 | 20.4% | 6.99% | $175,000 |
| 2025 | 20,554 | 12,102 | 18.1% | 6.63% | $195,000 |
Frequently asked questions
18.1% of applications in Delaware County were denied in 2025, against 18.3% statewide in Pennsylvania.
Citizens Bank, with 1,310 applications in 2025 and a denial rate of 29.0%.
The median mortgage application in Delaware County in 2025 was for $195,000; the median property value on originated loans was $405,000.