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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 VA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,211 | +0.059% | 484 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,079 | +0.371% | 498 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,287 | -0.412% | 148 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,478 | +0.234% | 160 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,455 | +0.066% | 132 | |
6 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,486 | +0.500% | 95 | |
7 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,515 | +0.301% | 412 | |
8 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,675 | +0.312% | 289 | |
9 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,362 | +0.306% | 246 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,460 | +0.322% | 1,024 | |
11 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Exceptional | $3,666 | +0.225% | 510 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,332 | +0.317% | 391 | |
13 | Wilmington Savings Fund Society, FSB | Strong | Strong | Acceptable | Strong | Exceptional | $684 | -0.068% | 265 | |
14 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,010 | +0.253% | 224 | |
15 | Capital Bank, National Association | Strong | Strong | Strong | Sound | Strong | $2,524 | +0.279% | 174 | |
16 | MLD MORTGAGE INC. | Strong | Strong | Strong | Strong | Sound | $2,700 | -0.088% | 53 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,547 | +0.276% | 36 | |
18 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,495 | -0.286% | 29 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,696 | +0.357% | 262 | |
20 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,368 | +0.580% | 178 | |
21 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $3,954 | +0.320% | 138 | |
22 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,434 | +0.432% | 86 | |
23 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,519 | +0.286% | 32 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,816 | +0.217% | 371 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,979 | +0.402% | 234 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,320 | +0.476% | 146 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,673 | +0.313% | 104 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,656 | +0.434% | 97 | |
29 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,298 | +0.630% | 60 | |
30 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | Sound | $3,292 | +0.253% | 55 | |
31 | PIKE CREEK MORTGAGE SERVICES, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,582 | +0.308% | 927 | |
32 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,911 | +0.452% | 145 | |
33 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,895 | +0.201% | 58 | |
34 | ALLIED MORTGAGE GROUP, INC. | Strong | Acceptable | Strong | Strong | Sound | $1,705 | +0.371% | 42 | |
35 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,196 | +0.379% | 35 | |
36 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,901 | +0.490% | 138 | |
37 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | Strong | $5,030 | +0.443% | 106 | |
38 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Sound | $3,653 | +0.192% | 37 | |
39 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $5,059 | +1.210% | 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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