Mortgage lending in Dover, DE
5,023 mortgages were originated in the Dover, DE area in 2025, and here is what they cost.
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
- 5,023
- Median rate
- 6.500%
- Median lender fees
- $7,757
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
- $265,000
- Above the going rate (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.
Who lent here
Lenders with at least 50 loans in the Dover, DE area, 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% |