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Safe Rate's TrueRank Guarantee
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 Bank Mortgage Lenders in Delaware
Updated February 6, 2026
Market Overview
22
Total Lenders
2,539
Total Loans
0.15%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Wilmington Savings Fund Society, FSB | Exceptional | Strong | Strong | Exceptional | $684 | -0.068% | 265 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $351 | -0.436% | 32 | |
3 | MERIDIAN BANK | Strong | Sound | Exceptional | Exceptional | $3,666 | +0.225% | 510 | |
4 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,861 | -0.166% | 120 | |
5 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,832 | +0.170% | 97 | |
6 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $1,478 | +0.052% | 86 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,098 | +0.069% | 137 | |
8 | Colorado Federal Savings Bank | Strong | Strong | Sound | Strong | $1,609 | +0.104% | 83 | |
9 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $703 | +0.060% | 57 | |
10 | Truist Bank | Strong | Strong | Strong | Sound | $1,695 | +0.016% | 57 | |
11 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $520 | +0.160% | 40 | |
12 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | $3,954 | +0.320% | 138 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,157 | +0.054% | 138 | |
14 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $2,369 | +0.407% | 111 | |
15 | Capital Bank, National Association | Strong | Sound | Sound | Strong | $2,524 | +0.279% | 174 | |
16 | First National Bank of Pennsylvania | Strong | Sound | Strong | Sound | $824 | +0.139% | 54 | |
17 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Sound | $3,292 | +0.253% | 55 | |
18 | TD Bank, National Association | Strong | Sound | Sound | Sound | $1,649 | +0.088% | 45 | |
19 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,495 | -0.286% | 29 | |
20 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $2,325 | +0.440% | 38 | |
21 | Shore United Bank, N.A. | Sound | Acceptable | Strong | Sound | $1,424 | +0.260% | 32 | |
22 | The Federal Savings Bank | Sound | Mediocre | Sound | Sound | $3,653 | +0.192% | 37 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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