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Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Mortgage Lenders in Delaware

Updated February 6, 2026

Market Overview

130

Total Lenders

13,588

Total Loans

0.27%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	Wilmington Savings Fund Society, FSB	Exceptional	Strong	Strong	Exceptional	$684	-0.068%	265
2	NATION ONE MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	$3,236	-0.015%	187
3	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$1,287	-0.412%	148
4	DEL-ONE FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$863	-0.072%	123
5	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	$351	-0.436%	32
6	MERIDIAN BANK	Strong	Sound	Exceptional	Exceptional	$3,666	+0.225%	510
7	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$3,211	+0.059%	484
8	KEYSTONE FUNDING, INC.	Strong	Sound	Exceptional	Exceptional	$3,515	+0.301%	412
9	Bank of America, National Association	Strong	Strong	Strong	Strong	$1,861	-0.166%	120
10	Manufacturers and Traders Trust Company	Strong	Strong	Strong	Strong	$1,832	+0.170%	97
11	PNC Bank, National Association	Strong	Strong	Strong	Strong	$1,478	+0.052%	86
12	Wells Fargo Bank, National Association	Strong	Strong	Sound	Strong	$2,098	+0.069%	137
13	Colorado Federal Savings Bank	Strong	Strong	Sound	Strong	$1,609	+0.104%	83
14	Citizens Bank, National Association	Strong	Strong	Strong	Sound	$703	+0.060%	57
15	Truist Bank	Strong	Strong	Strong	Sound	$1,695	+0.016%	57
16	U.S. Bank National Association	Strong	Strong	Strong	Sound	$520	+0.160%	40
17	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,460	+0.322%	1,024
18	PIKE CREEK MORTGAGE SERVICES, INC.	Strong	Acceptable	Exceptional	Exceptional	$3,582	+0.308%	927
19	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$1,332	+0.317%	391
20	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$3,478	+0.234%	160
21	Evolve Bank & Trust	Strong	Sound	Strong	Strong	$3,954	+0.320%	138
22	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$2,157	+0.054%	138
23	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$1,455	+0.066%	132
24	Fulton Bank, National Association	Strong	Sound	Strong	Strong	$2,369	+0.407%	111
25	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$2,806	+0.296%	71
26	MLD MORTGAGE INC.	Strong	Sound	Exceptional	Sound	$2,700	-0.088%	53
27	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Sound	$2,547	+0.276%	36
28	Prosperity Home Mortgage, LLC	Strong	Acceptable	Strong	Exceptional	$1,079	+0.371%	498
29	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	$2,816	+0.217%	371
30	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$2,675	+0.312%	289
31	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$2,696	+0.357%	262
32	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$3,362	+0.306%	246
33	Capital Bank, National Association	Strong	Sound	Sound	Strong	$2,524	+0.279%	174
34	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	$3,673	+0.313%	104
35	NFM, INC.	Strong	Acceptable	Exceptional	Strong	$4,434	+0.432%	86
36	First National Bank of Pennsylvania	Strong	Sound	Strong	Sound	$824	+0.139%	54
37	ALLIED MORTGAGE GROUP, INC.	Strong	Sound	Strong	Sound	$1,705	+0.371%	42
38	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$3,979	+0.402%	234
39	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$3,320	+0.476%	146
40	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$4,656	+0.434%	97
41	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Strong	Strong	$3,486	+0.500%	95
42	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Strong	$4,256	+0.402%	87
43	TIDEWATER MORTGAGE SERVICES, INC.	Strong	Acceptable	Strong	Strong	$2,237	+0.426%	69
44	Nations Lending Corporation	Strong	Acceptable	Exceptional	Sound	$3,895	+0.201%	58
45	Magnolia Bank, Incorporated	Strong	Acceptable	Exceptional	Sound	$3,292	+0.253%	55
46	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Sound	$203	-0.007%	47
47	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Sound	$2,568	+0.182%	45
48	TD Bank, National Association	Strong	Sound	Sound	Sound	$1,649	+0.088%	45
49	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$2,715	+0.509%	42
50	MDE HOME LOANS, LLC	Strong	Sound	Sound	Sound	-$416	+0.133%	35

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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