Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for New Castle County, Delaware
Every institution that decided a 1–4 unit mortgage application in New Castle County, home to Wilmington, between 2023 and 2025: 40,638 applications, 30,608 loans actually funded, across 8 kinds of borrowing.
New Castle County at a glance
40,638Applications decided
2023–2025
30,608Loans funded
75% of decisions
144Census tracts
20 ZIP codes
573,030People
ACS 2023
What the data shows
Lenders approved 88.7% of home-purchase applications in New Castle County, 3.2 points above the Delaware rate.
The typical purchase mortgage here is $315K.
Investment home improvement is the hardest money to get here: lenders approved 40% of 339 applications.
Lending by loan type in New Castle County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.7% | 18,200 | $315K | 98% | 376 |
| Home improvement loans | 62.1% | 6,683 | $105K | 96% | 124 |
| Cash-out refinance | 65.2% | 6,517 | $165K | 96% | 223 |
| Refinance | 78.3% | 5,639 | $185K | 94% | 228 |
| Investment property purchase | 87.2% | 1,970 | $205K | 94% | 225 |
| Investment cash-out refinance | 79.2% | 933 | $155K | 94% | 139 |
| Investment refinance | 76.2% | 357 | $175K | 93% | 96 |
| Investment home improvement | 40.4% | 339 | $95K | 97% | 52 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.