🛡️

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

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

DelawareConventional

No credit impact

3-minute process

100% free