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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 Conventional Mortgage Lenders in Dover
Updated February 5, 2026
Market Overview
57
Total Lenders
2,296
Total Loans
0.25%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $937 | -0.448% | 29 | |
2 | DEL-ONE FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Strong | $900 | -0.160% | 33 | |
3 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,587 | +0.030% | 31 | |
4 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Sound | -$98 | -0.190% | 15 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,779 | +0.347% | 193 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,613 | +0.033% | 125 | |
7 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Exceptional | $3,360 | +0.307% | 89 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,385 | +0.053% | 33 | |
9 | Wilmington Savings Fund Society, FSB | Strong | Strong | Strong | Strong | Sound | $396 | +0.014% | 25 | |
10 | PIKE CREEK MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,759 | +0.354% | 163 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,653 | +0.253% | 97 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,346 | -0.002% | 31 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,734 | +0.256% | 23 | |
14 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Sound | $2,233 | +0.037% | 16 | |
15 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,803 | +0.202% | 179 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,065 | +0.205% | 66 | |
17 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,176 | +0.562% | 65 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,937 | +0.448% | 47 | |
19 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,490 | +0.496% | 33 | |
20 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $369 | +0.441% | 31 | |
21 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Sound | $3,850 | +0.479% | 24 | |
22 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Sound | $2,283 | +0.054% | 10 | |
23 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,330 | +0.214% | 35 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,581 | +0.039% | 28 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,030 | +0.458% | 23 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,335 | +0.081% | 20 | |
27 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Sound | $2,297 | +0.368% | 17 | |
28 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,426 | +0.335% | 11 | |
29 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $5,256 | +0.513% | 37 | |
30 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $5,836 | +0.270% | 32 | |
31 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,563 | +0.531% | 17 | |
32 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Acceptable | $4,900 | +0.037% | 10 | |
33 | TD Bank, National Association | Strong | Sound | Strong | Sound | Acceptable | $2,347 | +0.066% | 10 | |
34 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,513 | +0.391% | 29 | |
35 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $4,896 | +0.348% | 11 | |
36 | Shore United Bank, N.A. | Sound | Acceptable | Strong | Sound | Sound | $1,672 | +0.286% | 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)
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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