Safe Rate Rankings

Best All Lender Mortgage Lenders in Dover

Updated May 22, 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 Lenders57

Total Loans2,296

Median Rate Spread0.25%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DEL-ONE FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$900Fees	0.160%Below	33
2	NATION ONE MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$2,997Fees	0.096%Below	27
3	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,803Fees	0.202%Above	179
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,613Fees	0.033%Above	125
5	MERIDIAN BANKBank	Strong	Sound	Exceptional	Exceptional	$3,360Fees	0.307%Above	89
6	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$937Fees	0.448%Below	29
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,587Fees	0.030%Above	31
8	Wilmington Savings Fund Society, FSBBank	Strong	Strong	Strong	Sound	$396Fees	0.014%Above	25
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,779Fees	0.347%Above	193
10	PIKE CREEK MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,759Fees	0.354%Above	163
11	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,653Fees	0.253%Above	97
12	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,674Fees	0.500%Above	38
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,385Fees	0.053%Above	33
14	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,346Fees	0.002%Below	31
15	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,065Fees	0.205%Above	66
16	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,490Fees	0.496%Above	33
17	Evolve Bank & TrustBank	Strong	Sound	Strong	Sound	$3,850Fees	0.479%Above	24
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,734Fees	0.256%Above	23
19	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,778Fees	0.409%Above	66
20	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,937Fees	0.448%Above	47
21	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$369Fees	0.441%Above	31
22	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,513Fees	0.391%Above	29
23	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,581Fees	0.039%Above	28
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,335Fees	0.081%Above	20
25	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,330Fees	0.214%Above	35
26	TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,273Fees	0.316%Above	23
27	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$5,030Fees	0.458%Above	23
28	LOWER, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,351Fees	0.843%Above	20
29	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,881Fees	0.598%Above	20
30	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,176Fees	0.562%Above	65
31	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$5,256Fees	0.513%Above	37
32	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$5,836Fees	0.270%Above	32

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.