Safe Rate Rankings

Best Conventional Mortgage Lenders in Delaware

Updated May 27, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders130

Total Loans13,588

Median Rate Spread0.27%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,287Fees	0.412%Below	148
2	Wilmington Savings Fund Society, FSBBank	Exceptional	Strong	Strong	Strong	Exceptional	$684Fees	0.068%Below	265
3	NATION ONE MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Strong	Exceptional	Strong	$3,236Fees	0.015%Below	187
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,861Fees	0.166%Below	120
5	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,478Fees	0.052%Above	86
6	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,098Fees	0.069%Above	137
7	DEL-ONE FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$863Fees	0.072%Below	123
8	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,695Fees	0.016%Above	57
9	First National Bank of PennsylvaniaBank	Exceptional	Strong	Exceptional	Strong	Sound	$824Fees	0.139%Above	54
10	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$520Fees	0.160%Above	40
11	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$351Fees	0.436%Below	32
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,460Fees	0.322%Above	1,024
13	MERIDIAN BANKBank	Strong	Sound	Strong	Strong	Exceptional	$3,666Fees	0.225%Above	510
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,211Fees	0.059%Above	484
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,332Fees	0.317%Above	391
16	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,157Fees	0.054%Above	138
17	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$1,832Fees	0.170%Above	97
18	Colorado Federal Savings BankBank	Strong	Strong	Strong	Sound	Strong	$1,609Fees	0.104%Above	83
19	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$703Fees	0.060%Above	57
20	PIKE CREEK MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,582Fees	0.308%Above	927
21	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,079Fees	0.371%Above	498
22	Evolve Bank & TrustBank	Strong	Sound	Strong	Strong	Strong	$3,954Fees	0.320%Above	138
23	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,455Fees	0.066%Above	132
24	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$203Fees	0.007%Below	47
25	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,547Fees	0.276%Above	36
26	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,519Fees	0.286%Above	32
27	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,515Fees	0.301%Above	412
28	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,816Fees	0.217%Above	371
29	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,675Fees	0.312%Above	289
30	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,696Fees	0.357%Above	262
31	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,362Fees	0.306%Above	246
32	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,979Fees	0.402%Above	234
33	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,478Fees	0.234%Above	160
34	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,911Fees	0.452%Above	145
35	Fulton Bank, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,369Fees	0.407%Above	111
36	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,673Fees	0.313%Above	104
37	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,656Fees	0.434%Above	97
38	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,806Fees	0.296%Above	71
39	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,895Fees	0.201%Above	58
40	MLD MORTGAGE INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,700Fees	0.088%Below	53
41	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,010Fees	0.253%Above	224
42	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,901Fees	0.490%Above	138
43	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,486Fees	0.500%Above	95
44	TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,237Fees	0.426%Above	69
45	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,298Fees	0.630%Above	60
46	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,568Fees	0.182%Above	45
47	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,715Fees	0.509%Above	42
48	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,032Fees	0.441%Above	41
49	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,187Fees	0.366%Above	38
50	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,325Fees	0.440%Above	38

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.