Mortgage lending in Wilmington, DE-MD-NJ
16,807 mortgages were originated in the Wilmington, DE-MD-NJ 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
- 16,807
- Median rate
- 6.625%
- Median lender fees
- $6,414
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
- $235,000
- Above the going rate (spread over APOR)
- 0.287
- Paid discount points
- 35.1%
- Received lender credits
- 23.3%
- Purchases / refinances
- 47.1% / 32.4%
- Conventional / FHA / VA
- 79.3% / 14.5% / 6%
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 67.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Wilmington, DE-MD-NJ area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,196 | $5,175 | 6.813% |
| Pike Creek Mortgage Services, Inc. | 929 | $7,375 | 6.375% |
| Wilmington Savings Fund Society, FSB | 799 | $3,476 | 7.250% |
| PNC Bank, National Association | 650 | $4,965 | 8.150% |
| United Shore Financial Services, LLC | 610 | $9,419 | 6.125% |
| Citizens Bank, National Association | 588 | — | 7.650% |
| Guild Mortgage Company | 457 | $5,974 | 6.500% |
| Aberdeen Proving Ground Federal Credit Union | 400 | — | 6.140% |
| Manufacturers and Traders Trust Company | 363 | $5,364 | 5.990% |
| Meridian Bank | 363 | $8,779 | 6.375% |