Delaware’s FHA denial rate in 2025 was 24.8% across 5,390 decisioned applications — ranking #12 of 52 states. Among high-volume lenders, the lowest observed denial rate was Meridian Bank at 4.0%; the highest was Amerisave Mortgage Company at 72.2%. The institutional spread inside Delaware is 18.1×: the same FHA application faces a 4.0% observed denial rate at one high-volume door and 72.2% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Delaware FHA apps | Denial rate |
|---|---|---|
| Meridian Bank | 275 | 4.0% |
| Pike Creek Mortgage Services, In | 285 | 4.9% |
| Keystone Funding, Inc | 260 | 8.5% |
| Crosscountry Mortgage, LLC | 122 | 9.0% |
| Prosperity Home Mortgage, LLC | 105 | 9.5% |
| Guild Mortgage Company | 136 | 14.0% |
| Freedom Mortgage Corporation | 207 | 23.2% |
| Pennymac Loan Services LLC | 197 | 24.4% |
| United Wholesale Mortgage | 337 | 24.9% |
| Rocket Mortgage | 365 | 26.6% |
| New American Funding, LLC. | 126 | 47.6% |
| Nvr Mortgage Finance, Inc. | 326 | 48.5% |
| Newrez LLC | 143 | 58.7% |
| Lakeview Loan Servicing, LLC | 124 | 64.5% |
| Amerisave Mortgage Company | 158 | 72.2% |
Applications under $150K were denied 45.9% of the time versus 22.3% for loans of $250K+ — a 2.1× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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