State intelligence · Delaware
Delaware mortgage and consumer-finance evidence
The Delaware Office of the State Bank Commissioner administers non-depository licensing, including NMLS applications. Mortgage activity secured by Delaware property is a separate HMDA market measure; neither an LEI nor an HMDA filing proves current Delaware license authority.
State license populations
Delaware Office of the State Bank Commissioner and its non-depository license application guide identify separate mortgage lender, mortgage loan broker, and other non-depository programs. The Department says its non-depository listings are updated weekly. For this acquisition, the September 30, 2026 licensed-company reports contain 486 Licensed Lender filing records and 174 Mortgage Loan Broker filing records. The October 1, 2026 MLO report states 6,309 person records. These are regulator report rows, not a deduplicated cross-class lender total. Use NMLS Consumer Access to verify current jurisdiction-specific company, branch, and person status.
- Licensed lenders: 486 company filing records in the OSBC report dated September 30, 2026; branch rows in the report are a separate location grain and were not separately counted.
- Mortgage loan brokers: 174 company filing records in the OSBC report dated September 30, 2026; branch rows remain separate and uncounted here.
- Mortgage loan originators: 6,309 person records in the OSBC report dated October 1, 2026; not companies or branches.
- Mortgage servicer-only records and other non-depository classes: no separate Delaware licensee snapshot acquired; consult the OSBC weekly non-depository listings for distinct classes such as check cashers, money transmission, motor vehicle sales finance, and other licensed lenders.
- Bank charters and NMLS identities do not by themselves prove mortgage license status.
Evidence attachments: Licensed Lender report (2026-09-30) · Mortgage Loan Broker report (2026-09-30) · Approved MLO report (2026-10-01).
2025 HMDA Delaware-property activity
The existing 2025 HMDA Delaware slice contains 45,536 applications, 26,905 originations, and 8,221 denials across 3 county-market rows. It contains 1,012 lender-county activity observations and 473 LEI state-summary rows; the curated LEI directory crosswalk has 112 high-confidence mappings. These are lending-market activity observations and identity mappings, not state licenses. CFPB/FFIEC HMDA data browser.
Existing data: data/hmda/delaware/. Data year: 2025. HMDA does not enumerate licenses, branches, or MLOs.
Source clocks and limits
HMDA vintage 2025; counts are computed from the already-owned Delaware source files. OSBC lender/broker report clock September 30, 2026; MLO report clock October 1, 2026. The PDFs were downloaded into data/delaware-lender-001/raw/ and retained unchanged. Branch lines, servicer-only classes, and other non-depository classes were not counted. Company ≠ branch ≠ person; HMDA ≠ licensing. No combined lender total is asserted.