Wilmington Savings Fund Society, FSB mortgage approval rate & lending review
Wilmington Savings Fund Society, FSB decided 10,729 mortgage applications and funded 8,383 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Wilmington Savings Fund Society, FSB reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Wilmington Savings Fund Society, FSB at a glance
Approval is 4.1 points above the 75.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 3,235 / 3,460 | 99% | $285K | 3,204 |
| Home improvement loans | 67% | 2,281 / 3,387 | 98% | $105K | 2,229 |
| Cash-out refinance | 87% | 185 / 213 | 100% | $295K | 185 |
| Refinance | 81% | 1,961 / 2,417 | 98% | $155K | 1,930 |
| Investment property purchase | 85% | 533 / 629 | 96% | $215K | 512 |
| Investment cash-out refinance | 89% | 31 / 35 | 100% | $235K | 31 |
| Investment refinance | 60% | 130 / 217 | 100% | $225K | 130 |
| Investment home improvement | 46% | 169 / 371 | 96% | $125K | 162 |
Wilmington Savings Fund Society, FSB lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 81% | $225K | 5,005 | 3,975 |
| Delaware | 78% | $155K | 3,682 | 2,845 |
| New Jersey | 74% | $115K | 1,404 | 1,020 |
| Florida | 84% | $315K | 116 | 96 |
| Maryland | 85% | $135K | 115 | 94 |
| California | 86% | $175K | 72 | 59 |
| South Carolina | 92% | $205K | 38 | 35 |
| North Carolina | 89% | $155K | 36 | 32 |
| Georgia | 74% | $105K | 27 | 20 |
| Alabama | 96% | $205K | 24 | 23 |
| Virginia | 91% | $625K | 22 | 20 |
| New York | 90% | $475K | 21 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Wilmington Savings Fund Society, FSB lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Philadelphia County, PA | Mortgage lenders | 95% | 887 | 841 |
| New Castle County, DE | Mortgage lenders | 92% | 740 | 675 |
| New Castle County, DE | Home improvement loans | 70% | 892 | 613 |
| New Castle County, DE | Refinance | 83% | 519 | 428 |
| Delaware County, PA | Mortgage lenders | 95% | 414 | 390 |
| Delaware County, PA | Home improvement loans | 69% | 412 | 277 |
| Burlington County, NJ | Home improvement loans | 66% | 416 | 268 |
| Montgomery County, PA | Mortgage lenders | 96% | 282 | 268 |
| Chester County, PA | Mortgage lenders | 96% | 277 | 261 |
| Delaware County, PA | Refinance | 80% | 292 | 232 |
| Chester County, PA | Refinance | 86% | 254 | 216 |
| Chester County, PA | Home improvement loans | 76% | 261 | 196 |
The county markets where Wilmington Savings Fund Society, FSB made the most loans. Each link opens that market with every lender ranked.
Questions about Wilmington Savings Fund Society, FSB
What is Wilmington Savings Fund Society, FSB's mortgage approval rate?
Wilmington Savings Fund Society, FSB approved 79.5% of the 10,729 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.1 points above the 75.3% national rate for the same mix of loan types.
How often do borrowers take the loan Wilmington Savings Fund Society, FSB offers?
Borrowers accepted 98% of the loans Wilmington Savings Fund Society, FSB approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Wilmington Savings Fund Society, FSB make?
The typical home purchase mortgage loan Wilmington Savings Fund Society, FSB made was $285K; across all loan types its typical loan ran from $105K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Wilmington Savings Fund Society, FSB lend?
Wilmington Savings Fund Society, FSB decided applications in 44 of the states Fat Boy Data covers, most of them in Pennsylvania, Delaware and New Jersey.
Can I apply to Wilmington Savings Fund Society, FSB directly?
Yes. Wilmington Savings Fund Society, FSB is a bank or credit union with 95 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Wilmington Savings Fund Society, FSB's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Wilmington Savings Fund Society, FSB treats applications, then get a rate quote from the lender.