# Wilmington Savings Fund Society, FSB

> **Canonical URL:** https://saferate.com/lenders/wilmington-savings-fund-society-fsb


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Wilmington Savings Fund Society, FSB is a bank, headquartered in Wilmington, DE, serving borrowers across 28 states, with 1,136 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 26% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493005DKMV1IHIM8E20
- **Headquarters:** Wilmington, DE
- **Geographic Reach:** Near-National
- **States Served:** 28
- **State List:** AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, MD, ME, MI, MT, NC, ND, NJ, NM, NY, OH, PA, SC, TN, TX, UT, VA, VT, WV
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.070%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $643
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,136
- **Dollar Volume:** $402 million
- **Applications Received:** 1,450
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $354,005
- **Average Borrower Income:** $165,651
- **Average Property Value:** $495,660

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 72/100 | 985 | -0.096% | $528 | Strong 😀 |
| FHA | 64/100 | 74 | +0.286% | $-1,736 | Strong 😀 |
| VA | 39/100 | 13 | -0.286% | $695 | Acceptable 🙂 |
| Jumbo | 77/100 | 64 | +0.025% | $5,392 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 882 loans, Score: 72/100 (Strong)
- Refinance: 103 loans, Score: 62/100 (Strong)

**FHA:**
- Purchase: 73 loans, Score: 64/100 (Strong)

**Jumbo:**
- Purchase: 53 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 1,021 | $359M | -0.093% | Strong 😀 |
| Refinance | 59/100 | 115 | $44M | +0.115% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 664 | 0.55% | 85/100 |
| DE | 265 | 1.86% | 83/100 |
| NJ | 117 | 0.14% | 66/100 |
| MD | 16 | 0.02% | 42/100 |
| FL | 13 | 0.00% | 35/100 |
| AL | 10 | 0.02% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Philadelphia, PA | PA | 458 | 95/100 |
| Wilmington, DE |  | 208 | 82/100 |
| Montgomery County | PA | 184 | 82/100 |
| Camden, NJ | NJ | 78 | 68/100 |
| Non |  | 54 | 40/100 |
| Dover, DE | DE | 25 | 60/100 |
| Atlantic City | NJ | 22 | 54/100 |

## Where This Lender Ranks

Wilmington Savings Fund Society, FSB appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Delaware
  - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders)
- 🥇 **#1** in Delaware Banks
  - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders/banks)
- 🥇 **#1** in Delaware for Conventional Loans
  - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Delaware for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Wilmington, DE Banks
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/banks)
- 🥇 **#1** in Wilmington, DE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Philadelphia, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Philadelphia, PA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Wilmington, DE
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders)
- 🥈 **#2** in Wilmington, DE for Conventional Loans
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Wilmington, DE for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Montgomery County Banks
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/banks)
- 🥈 **#2** in Montgomery County for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Philadelphia, PA Banks
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks)
- 🥉 **#3** in Philadelphia, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Delaware for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Montgomery County
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders)
- 🥉 **#3** in Dover, DE Banks
  - [View Full Rankings](https://saferate.com/dover-de/best-mortgage-lenders/banks)
- 🏆 **#4** in Philadelphia, PA
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders)
- 🏆 **#4** in Philadelphia, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Wilmington Savings Fund Society, FSB offer?

Wilmington Savings Fund Society, FSB offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Wilmington Savings Fund Society, FSB offer mortgages?

Wilmington Savings Fund Society, FSB offers mortgages in 28 states: AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, MD, ME, MI, MT, NC, ND, NJ, NM, NY, OH, PA, SC, TN, TX, UT, VA, VT, WV.

### How competitive are Wilmington Savings Fund Society, FSB's mortgage rates?

Wilmington Savings Fund Society, FSB has a pricing score of 74/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.070% below market average.

### What type of lender is Wilmington Savings Fund Society, FSB?

Wilmington Savings Fund Society, FSB is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Wilmington, DE.

### What is Wilmington Savings Fund Society, FSB's loan approval success rate?

Wilmington Savings Fund Society, FSB has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/wilmington-savings-fund-society-fsb

### How to Cite

> "Wilmington Savings Fund Society, FSB Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/wilmington-savings-fund-society-fsb

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