Wilmington Savings Fund Society Fsb Mortgage Rates, Fees & Info
Wilmington, DELEI: 5493005DKMV1IHIM8E20
Tax ID: 51-0054940
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Mortgage Data
Review & Overview
Wilmington Savings Fund Society Fsb is a smaller mortgage company specializing in Home Improvement, Home Purchase, and Refi loans. Wilmington Savings Fund Society Fsb has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, Salisbury, Ocean City, Dover, and New York among others. We have data for 81 markets. (Some data included below & more in-depth data is available with an active subscription.)Wilmington Savings Fund Society Fsb has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Wilmington Savings Fund Society Fsb is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/16/24 |
| 30 Year Conventional Purchase | 6.42% | 12/16/24 |
| 30 Year Conventional Refi | 6.43% | 12/16/24 |
| 30 Year Cash-out Refi | 6.68% | 12/16/24 |
| 30 Year FHA Purchase | 7.40% | 12/16/24 |
| 30 Year FHA Refi | 6.97% | 12/16/24 |
| 30 Year VA Purchase | 6.35% | 12/16/24 |
| 30 Year VA Refi | 5.86% | 12/16/24 |
| 30 Year USDA Purchase | 6.87% | 12/16/24 |
| 15 Year Conventional Purchase | 6.00% | 12/16/24 |
| 15 Year Conventional Refi | 5.84% | 12/16/24 |
| 15 Year Cash-out Refi | 5.84% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Wilmington Savings Fund Society Fsb Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,679Origination Dollar Volume (All Markets)
$903,195,000Awards
Wilmington Savings Fund Society FSB - 2022
Wilmington Savings Fund Society FSB is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2,817 | $631,305,000 | $224,105 | $3,689 | 4.92% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 308 | $84,670,000 | $274,903 | $4,536 | 4.84% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 67 | $49,105,000 | $732,910 | $7,034 | 4.50% |
| DOVER, DE (FHA|USDA|VA) | 217 | $30,765,000 | $141,774 | $2,388 | 5.17% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 44 | $19,460,000 | $442,273 | $4,950 | 4.68% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 36 | $12,590,000 | $349,722 | $3,875 | 4.89% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 11 | $8,415,000 | $765,000 | $7,711 | 5.03% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 17 | $7,005,000 | $412,059 | $4,691 | 4.71% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 11 | $4,265,000 | $387,727 | $4,434 | 4.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $4,075,000 | $815,000 | $6,936 | 4.05% |
| Outside of Metro Areas | 18 | $4,000,000 | $222,222 | $4,634 | 4.78% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $3,060,000 | $765,000 | $4,116 | 4.41% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 8 | $2,400,000 | $300,000 | $3,753 | 4.87% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 9 | $2,385,000 | $265,000 | $7,080 | 5.42% |
| Kapaa, HI (FHA|USDA|VA) | 2 | $2,010,000 | $1,005,000 | $7,787 | 4.81% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $1,950,000 | $975,000 | $3,373 | 4.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 6 | $1,830,000 | $305,000 | $14,141 | 4.92% |
| Malone, NY (FHA|USDA|VA) | 2 | $1,690,000 | $845,000 | $20,597 | 4.13% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,680,000 | $420,000 | $5,716 | 4.72% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $5,372 | 5.17% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $1,485,000 | $495,000 | $6,540 | 4.96% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $0 | 4.50% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $1,325,000 | $1,325,000 | $6,331 | 5.25% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $11,587 | 4.00% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $19,256 | 3.63% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $4,886 | 4.44% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $6,170 | 4.29% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $4,838 | 4.25% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $5,368 | 5.13% |
| Key West, FL (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $5,897 | 6.56% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $4,530 | 4.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $0 | 5.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,752 | 5.18% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $6,507 | 4.75% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $2,648 | 4.44% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,936 | 5.88% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $6,233 | 4.67% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $3,968 | 4.63% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 6.13% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $3,734 | 5.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $3,945 | 4.75% |
| Sunbury, PA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,564 | 5.13% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $2,933 | 4.59% |
| Barre, VT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $8,220 | 4.88% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,291 | 3.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $11,413 | 5.38% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,455 | 6.88% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,340 | 4.37% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 4.31% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,777 | 6.00% |
| Easton, MD (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,945 | 4.44% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,002 | 4.38% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,095 | 3.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,810 | 3.81% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,807 | 4.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 3.00% |
| READING, PA (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $4,454 | 6.66% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $1,884 | 3.98% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,008 | 4.44% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,840 | 7.38% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,388 | 5.63% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,145 | 5.63% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,821 | 4.50% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,276 | 4.13% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,775 | 5.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,564 | 4.38% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,035 | 5.50% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,462 | 5.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,109 | 3.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,709 | 3.63% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,764 | 5.63% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,786 | 5.38% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,433 | 3.13% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,154 | 5.88% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,311 | 4.88% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,751 | 5.13% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.25% |
| Sayre, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.50% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,549 | 6.38% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,520 | 5.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against Wilmington Savings Fund Society FSB based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Wilmington Savings Fund Society Fsb's most frequently originated type of loan was HELOC, with 1,894 originations. Their 2nd most popular type was Conventional, with 1,709 originations.
Loan Reason
For 2022, Wilmington Savings Fund Society Fsb's most frequently cited loan purpose was Home Improvement, with 1,225 originations. The 2nd most popular reason was Home Purchase, with 1,059 originations.
Loan Duration/Length
For 2022, Wilmington Savings Fund Society Fsb's most frequently cited loan duration was 30 Year, with 2,926 originations. The 2nd most popular length was 15 Year, with 274 originations.
Origination Fees/Closing Costs
Wilmington Savings Fund Society Fsb's average total fees were $5,537, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,041 originations.
Interest Rates
During 2022, Wilmington Savings Fund Society Fsb's average interest rate for loans was 4.93%, while their most frequently originated rate bucket for loans was 4-5%, with 953 originations.
Loan Sizing
2022 saw Wilmington Savings Fund Society Fsb place emphasis on $100k-200k loans with 1,102 originations, totaling $149,890,000 in origination value.
Applicant Income
Wilmington Savings Fund Society Fsb lent most frequently to those with incomes in the $150k-250k range, with 728 originations. The second most popular income band? $100k-150k, with 701 originations.
Applicant Debt to Income Ratio
Wilmington Savings Fund Society Fsb lent most frequently to those with DTI ratios of 20-30%, with 772 originations. The next most common DTI ratio? 30-36%, with 625 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.46%
Wilmington Savings Fund Society Fsb has an average approval rate.
Pick Rate
Approvals leading to origination82.03%
Wilmington Savings Fund Society Fsb has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,679 | $903,195,000 | $245,500 |