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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 Mortgage Lenders in Dover

Updated February 5, 2026

Market Overview

Total Lenders

2,296

Total Loans

0.25%

Median Rate Spread

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

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