Applications / Mortgage Analytics / Lenders / Delaware / TD Bank
Wilmington, DE · National bank · OCC · $346 billion assets · 23,499 loans in 2025
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23,499
loans originated, 2025
46,634
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TD Bank's originations fell 5% in 2025 while the whole market grew 10%, its third yearly fall in a row, from 32,964 in 2022 to 23,499.
Similar lenders (national banks making between a quarter and four times as many loans) grew a typical 6%; its change was lower than more than four in five of them. Yet lending by value rose from $8.28 billion to $8.93 billion, as its typical loan grew from $185,000 to $205,000.
Home improvement was 32.7% of its loans, refinancing 27.3% and purchase 25.2%. Conventional loans were 99.8%; FHA (insured by the Federal Housing Administration) was 0.2%, lower than about nineteen in twenty similar lenders. It turned down 22.1% of first-lien refinance applications on owner-occupied homes, the same as the typical peer.
Its LMI (low- and moderate-income) borrower share rose from 15.8% in 2020 to 20.0%, still lower than about three in four similar lenders. Loans in LMI areas were 12.8%, among the lowest tenth. Its jumbo loans (larger than the conforming limit), 15.8% against 9.0%, and big metro markets could mean more borrowers earn above LMI limits.
It ranks seventh in both New York and Philadelphia, 15th in Boston and 19th in Miami, all served since before 1990. Its typical rate of 7.49% was higher than about four in five similar lenders; its many home-improvement loans, which can be priced differently, may explain part of that.
Questions the data can answer next
Similar lenders: same lender type, originations between a quarter and four times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TD Bank took 46,634 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 32.7% · Refinance 27.3% · Purchase 25.2% · Other 14.7%
Conventional 99.8% · FHA 0.2% · VA 0.0% · of 23,499 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 |
|---|---|---|
| New Jersey | 6,695 | 28.5% |
| New York | 4,324 | 18.4% |
| Florida | 2,722 | 11.6% |
| Massachusetts | 1,975 | 8.4% |
| Pennsylvania | 1,803 | 7.7% |
| South Carolina | 1,143 | 4.9% |
| Connecticut | 1,002 | 4.3% |
| New Hampshire | 997 | 4.2% |
| Maine | 699 | 3.0% |
| North Carolina | 555 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 3,694 |
| Lakewood-New Brunswick | 2,137 |
| Nassau County-Suffolk County | 1,437 |
| Newark | 1,286 |
| Camden | 1,210 |
| Montgomery County-Bucks County-Chester County | 937 |
| Cambridge-Newton-Framingham | 889 |
| Philadelphia | 582 |
| West Palm Beach-Boca Raton-Delray Beach | 461 |
| Miami-Miami Beach-Kendall | 439 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 03D0JEWFDFUS0SEEKG89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 497404 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318409 | 1990–1999 |
| Respondent ID (the HMDA filer code before 2018) | 124096 | 2000–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9497404 | 2011–2017 |
Established 1 January 1852. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: TD Bank's data.
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