Safe Rate Rankings

Best VA 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,613Fees	0.033%Above	125
2	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,674Fees	0.500%Above	38
3	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,346Fees	0.002%Below	31
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$937Fees	0.448%Below	29
5	KEYSTONE FUNDING, INC.Independent Mortgage Company	Exceptional	Sound	Strong	Exceptional	Exceptional	$3,803Fees	0.202%Above	179
6	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,065Fees	0.205%Above	66
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,779Fees	0.347%Above	193
8	MERIDIAN BANKBank	Strong	Sound	Strong	Strong	Exceptional	$3,360Fees	0.307%Above	89
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,385Fees	0.053%Above	33
10	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,581Fees	0.039%Above	28
11	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$1,793Fees	0.171%Above	19
12	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$1,546Fees	0.345%Below	11
13	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,653Fees	0.253%Above	97
14	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$5,256Fees	0.513%Above	37
15	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,778Fees	0.409%Above	66
16	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,937Fees	0.448%Above	47
17	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,490Fees	0.496%Above	33
18	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,513Fees	0.391%Above	29
19	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$3,881Fees	0.598%Above	20
20	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,351Fees	0.843%Above	20
21	PIKE CREEK MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$3,759Fees	0.354%Above	163
22	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,176Fees	0.562%Above	65
23	ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,172Fees	0.417%Above	18
24	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$5,836Fees	0.270%Above	32
25	The Federal Savings BankBank	Sound	Mediocre	Exceptional	Sound	Sound	$5,312Fees	0.067%Above	17
26	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$2,903Fees	0.891%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.