Mortgage lending in New Castle County
12,723 mortgages were originated in New Castle County, Delaware, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 12,723
- Median rate
- 6.625%
- Median lender fees
- $6,410
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $245,000
- Above the going rate (spread over APOR)
- 0.275
- Paid discount points
- 34.6%
- Received lender credits
- 22.7%
- Purchases / refinances
- 47.2% / 31.9%
- Conventional / FHA / VA
- 81.4% / 13.4% / 5.1%
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 67.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $630,200
- Median home price
- $548,000
- That home, 20% down
- $438,400
A median-priced home with 20% down leaves $394,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in New Castle County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 895 | $5,228 | 6.750% |
| Pike Creek Mortgage Services, Inc. | 876 | $7,391 | 6.375% |
| Wilmington Savings Fund Society, FSB | 769 | $3,497 | 7.250% |
| Citizens Bank, National Association | 542 | — | 7.650% |
| PNC Bank, National Association | 507 | — | 8.040% |
| United Shore Financial Services, LLC | 479 | $9,455 | 6.250% |
| Meridian Bank | 335 | $8,960 | 6.375% |
| Manufacturers and Traders Trust Company | 332 | — | 5.990% |
| Prosperity Home Mortgage, LLC | 288 | $7,927 | 6.375% |
| Crosscountry Mortgage, Inc. | 238 | $8,631 | 6.625% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in New Castle County — not a rule of thumb.
From 8,553 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers