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2024 data HMDA 2024 disclosure official source

Delaware County

21,004 mortgage applications, 18.5% denial rate. Verify FIPS 42045 with U.S. Census Bureau →

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Pennsylvania · FIPS 42045

Local mortgage market. Delaware County, Pennsylvania saw 21,004 HMDA-reported mortgage applications in 2024. Lenders originated 11,057 of those loans and denied 3,887, producing a denial rate of 18.5% and an approval (origination) rate of 52.6%. The average loan amount was $245,924 at an average note rate of 7.24%, with applicants self-reporting average annual income of $37K. 411 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 42045 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

21,004
Applications
11,057
Originated
18.5%
Denial Rate
52.6%
Approval Rate
$245,924
Avg Loan Amount
7.24%
Avg Interest Rate
$37K
Avg Applicant Income
6.6x
Loan-to-Income Ratio

Nearby Lenders in Delaware County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 CBNA Year to Date 732 6.6%
2 Rocket Mortgage 565 5.1%
3 Crosscountry Mortgage, LLC 504 4.6%
4 Franklin Mint Federal Credit Union 488 4.4%
5 Prosperity Home Mortgage, LLC 409 3.7%
Compare CBNA Year to Date vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Delaware County?
In the 2024 HMDA reporting year, 21,004 mortgage applications were filed in Delaware County, Pennsylvania. Of these, 11,057 were originated (approved and funded), while 3,887 were denied, resulting in a denial rate of 18.5%.
What is the mortgage denial rate in Delaware County?
The mortgage denial rate in Delaware County is 18.5%. The approval (origination) rate is 52.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Delaware County?
The average mortgage loan amount in Delaware County is $245,924. The average interest rate is 7.239%. The average applicant income is $37K.
What is the loan-to-income ratio in Delaware County?
The average loan-to-income ratio in Delaware County is 6.6x, meaning borrowers took on loans averaging 6.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Delaware County?
The top mortgage lenders in Delaware County by origination volume are CBNA Year to Date, Rocket Mortgage, Crosscountry Mortgage, LLC. In total, 411 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.