Delaware · Q1 2026
What Delaware borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 341 lenders.
Published 2026-04-29.
Delaware · headline
The gap between Delaware's lowest- and highest-cost ranked lenders in 2025 was $6,895 on a typical loan — borrowers using Keystone Funding, Inc. paid roughly 197% more than borrowers using Wilmington Savings Fund Society, FSB on similar loans.
Source: FFIEC HMDA 2025 (n=18,553)
In 2025, 341 mortgage lenders originated 18,553 reportable loans in Delaware according to FFIEC HMDA data. The median borrower paid $6,669 in total loan costs. That is 57.2% above the national median across all 50 states and DC.
Delaware's median total loan cost was $6,669, 57.2% above the national median of $4,242. On a typical loan, that translates to roughly $2,427 more than borrowers paid in the average state.
Wilmington Savings Fund Society, FSB posted the lowest median total loan costs at $3,499, 47.5% below the Delaware median. Across the ranked lenders, 8 earned an A grade against peer averages and 4 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Delaware are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,286 | $3,219 | 1,788 | A |
| 2 | Pike Creek Mortgage Services, Inc. | $7,761 | $2,867 | 1,169 | B |
| 3 | NVR Mortgage Finance, Inc. | $6,381 | $3,548 | 1,001 | A |
| 4 | United Wholesale Mortgage | $9,749 | $5,315 | 917 | D |
| 5 | Keystone Funding, Inc. | $10,393 | $3,957 | 586 | F |
| 6 | Meridian Bank | $10,248 | $2,899 | 547 | F |
| 7 | loanDepot.com, LLC | $4,727 | $2,089 | 544 | A |
| 8 | Pennymac | $6,220 | $2,790 | 465 | A |
| 9 | Guild Mortgage | $6,669 | $1,776 | 461 | A |
| 10 | Lennar Mortgage, LLC | $5,458 | $1,825 | 449 | A |
Delaware median total loan cost
Delaware borrowers paid a median $6,669 in total loan costs in 2025, based on 18,553 HMDA-reported loans across 341 lenders.
FFIEC HMDA 2025
Lender spread in Delaware
In Delaware, the gap between Wilmington Savings Fund Society, FSB ($3,499 median) and Keystone Funding, Inc. ($10,393 median) was $6,895 on a typical 2025 loan.
FFIEC HMDA 2025
Delaware vs. national
Delaware closing costs ran 57.2% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Delaware was $2,769, with the typical lender clustering tightly around that figure. Discount points appeared on 57% of loans, with a median paid amount of $2,950 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 33% of loans, with a median credit of $504.
Avg $4,361
Median $2,950 when present
Median $504 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Delaware) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Delaware
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