Mortgage lending in Kent County
5,023 mortgages were originated in Kent County, Delaware, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 5,023
- Median rate
- 6.500%
- Median lender fees
- $7,757
- Median loan amount
- $265,000
- Median spread over APOR
- 0.280
- Paid discount points
- 41.4%
- Received lender credits
- 24.8%
- Purchases / refinances
- 49.6% / 31.7%
- Conventional / FHA / VA
- 60.2% / 22% / 17.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 76.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Kent County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 324 | $5,950 | 6.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 246 | $10,400 | 6.000% |
| KEYSTONE FUNDING, INC. | 210 | $11,519 | 6.250% |
| Wilmington Savings Fund Society, FSB | 194 | $3,481 | 7.250% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 191 | $10,527 | 6.250% |
| DEL-ONE FEDERAL CREDIT UNION | 182 | — | 7.250% |
| Citizens Bank, National Association | 169 | — | 7.650% |
| GUILD MORTGAGE COMPANY | 164 | $9,307 | 6.250% |
| MERIDIAN BANK | 133 | $12,271 | 6.125% |
| Manufacturers and Traders Trust Company | 123 | — | 5.990% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Kent County — not a rule of thumb.
From 3,845 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers