Safe Rate Rankings

Best All Lender 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

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