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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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,079 | +0.371% | 498 | |
2 | Wilmington Savings Fund Society, FSB | Exceptional | Exceptional | Strong | Sound | Exceptional | $684 | -0.068% | 265 | |
3 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,236 | -0.015% | 187 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,211 | +0.059% | 484 | |
5 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,515 | +0.301% | 412 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,478 | +0.234% | 160 | |
7 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,832 | +0.170% | 97 | |
8 | PIKE CREEK MORTGAGE SERVICES, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,582 | +0.308% | 927 | |
9 | MERIDIAN BANK | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,666 | +0.225% | 510 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,455 | +0.066% | 132 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,547 | +0.276% | 36 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,460 | +0.322% | 1,024 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,332 | +0.317% | 391 | |
14 | Capital Bank, National Association | Strong | Strong | Strong | Sound | Strong | $2,524 | +0.279% | 174 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,696 | +0.357% | 262 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,010 | +0.253% | 224 | |
17 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $3,954 | +0.320% | 138 | |
18 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,434 | +0.432% | 86 | |
19 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Sound | $2,700 | -0.088% | 53 | |
20 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,705 | +0.371% | 42 | |
21 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Sound | $4,032 | +0.441% | 41 | |
22 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,325 | +0.440% | 38 | |
23 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,733 | +0.387% | 31 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,816 | +0.217% | 371 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,675 | +0.312% | 289 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,362 | +0.306% | 246 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,673 | +0.313% | 104 | |
28 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,486 | +0.500% | 95 | |
29 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,256 | +0.402% | 87 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,806 | +0.296% | 71 | |
31 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,895 | +0.201% | 58 | |
32 | Magnolia Bank, Incorporated | Strong | Sound | Strong | Strong | Sound | $3,292 | +0.253% | 55 | |
33 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,715 | +0.509% | 42 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,320 | +0.476% | 146 | |
35 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,237 | +0.426% | 69 | |
36 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,298 | +0.630% | 60 | |
37 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Exceptional | Sound | $3,819 | +0.398% | 33 | |
38 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,519 | +0.286% | 32 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,979 | +0.402% | 234 | |
40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $5,368 | +0.580% | 178 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,911 | +0.452% | 145 | |
42 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $5,030 | +0.443% | 106 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,656 | +0.434% | 97 | |
44 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,526 | +0.537% | 73 | |
45 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,726 | +0.452% | 50 | |
46 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $203 | -0.007% | 47 | |
47 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $3,193 | +0.624% | 45 | |
48 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,435 | +0.595% | 38 | |
49 | MDE HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Sound | -$416 | +0.133% | 35 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,196 | +0.379% | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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