Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$937Fees	0.448%Below	29
2	DEL-ONE FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$900Fees	0.160%Below	33
3	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,587Fees	0.030%Above	31
4	First National Bank of PennsylvaniaBank	Exceptional	Strong	Exceptional	Strong	Sound	$98Credit	0.190%Below	15
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,779Fees	0.347%Above	193
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,613Fees	0.033%Above	125
7	MERIDIAN BANKBank	Strong	Sound	Strong	Strong	Exceptional	$3,360Fees	0.307%Above	89
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,385Fees	0.053%Above	33
9	Wilmington Savings Fund Society, FSBBank	Strong	Strong	Strong	Strong	Sound	$396Fees	0.014%Above	25
10	PIKE CREEK MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,759Fees	0.354%Above	163
11	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,653Fees	0.253%Above	97
12	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,346Fees	0.002%Below	31
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,734Fees	0.256%Above	23
14	Colorado Federal Savings BankBank	Strong	Strong	Strong	Sound	Sound	$2,233Fees	0.037%Above	16
15	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,803Fees	0.202%Above	179
16	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,065Fees	0.205%Above	66
17	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,176Fees	0.562%Above	65
18	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,937Fees	0.448%Above	47
19	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,490Fees	0.496%Above	33
20	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$369Fees	0.441%Above	31
21	Evolve Bank & TrustBank	Strong	Sound	Strong	Strong	Sound	$3,850Fees	0.479%Above	24
22	MLD MORTGAGE INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,283Fees	0.054%Above	10
23	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,330Fees	0.214%Above	35
24	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,581Fees	0.039%Above	28
25	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,030Fees	0.458%Above	23
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,335Fees	0.081%Above	20
27	Fulton Bank, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,297Fees	0.368%Above	17
28	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,426Fees	0.335%Above	11
29	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,256Fees	0.513%Above	37
30	Luminate Home Loans, Inc.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,836Fees	0.270%Above	32
31	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,563Fees	0.531%Above	17
32	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Acceptable	$4,900Fees	0.037%Above	10
33	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Acceptable	$2,347Fees	0.066%Above	10
34	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,513Fees	0.391%Above	29
35	Shore United Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	Sound	$1,672Fees	0.286%Above	11
36	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$4,896Fees	0.348%Above	11

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.