Applications / Mortgage Analytics / Lenders / Delaware / WSFS Bank
Wilmington, DE · Savings institution · OCC · $21.2 billion assets · 3,884 loans in 2025
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3,884
loans originated, 2025
5,671
applications, 2025
42
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
WSFS Bank grew its own originations 20% in 2025 while almost entirely stopping loan purchases, which fell from 3,153 to 3, and it gained share in its Delaware and South Jersey home markets.
It reported 3 purchased loans, against 3,153 a year earlier and 3,360 five years before. Its own originations rose 20% to 3,884, near the middle of similar lenders (savings institutions making between half and twice as many loans) and above the market's 10%. Possible reasons include ending a purchase programme or bringing that lending in house.
It ranked 8 of 784 in Philadelphia-Camden-Wilmington. Its share rose from 1.2% to 2.2% in Atlantic City, ranking 14 of 423, and from 2.2% to 2.7% in Dover, ranking 9 of 274.
30.1% of its borrowers were LMI (low- and moderate-income), against 24.1% for similar lenders, higher than about four in five of them. Loans in majority-minority tracts rose to 22.6% from 8.3% five years earlier, against 13.1% for peers. Its mergers with Beneficial Bank in 2019 and The Bryn Mawr Trust Company in 2022 may have widened its reach.
Its typical rate of 7.00% was higher than about nine in ten similar lenders, against 6.49% for peers, though its higher-priced share (a rate well above the average for similar loans), 1.1%, sat near the middle. Its mix could explain part of it: home improvement was 21.2% of its loans and other purposes 11.3%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. WSFS Bank took 5,671 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 37.3% · Refinance 30.2% · Home improvement 21.2% · Other 11.3%
Conventional 97.0% · FHA 2.4% · VA 0.5% · USDA (RHS or FSA) 0.1% · of 3,884 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 1,700 | 43.8% |
| Delaware | 1,210 | 31.2% |
| New Jersey | 555 | 14.3% |
| Maryland | 64 | 1.6% |
| Florida | 52 | 1.3% |
| California | 47 | 1.2% |
| North Carolina | 28 | 0.7% |
| Georgia | 26 | 0.7% |
| Virginia | 25 | 0.6% |
| South Carolina | 18 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Philadelphia | 924 |
| Wilmington | 799 |
| Montgomery County-Bucks County-Chester County | 716 |
| Camden | 371 |
| Dover | 194 |
| Atlantic City-Hammonton | 116 |
| Lakewood-New Brunswick | 31 |
| New York-Jersey City-White Plains | 16 |
| Baltimore-Columbia-Towson | 15 |
| Charlotte-Concord-Gastonia | 14 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005DKMV1IHIM8E20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 437914 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 47938 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1707938 | 2011–2017 |
Established 18 February 1832. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: WSFS Bank's data.
WSFS Bank's data
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