Safe Rate Rankings

Best Mortgage Lenders in Wilmington

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders106

Total Loans7,771

Median Rate Spread0.30%

Wilmington Market Insights

Nation One Mortgage is Safe Rate's top-ranked lender in Wilmington, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Wilmington: Bank: Wilmington Savings Fund Society FSB (#2). Credit union: Aberdeen Proving Ground Federal Credit Union (#3). Mortgage company: Nation One Mortgage (#1).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Wilmington, Navy Federal Credit Union and Del One Federal Credit Union scores highest on pricing while Rocket Mortgage and Nation One Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #10 in Wilmington, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Wilmington: Rocket Mortgage (#8) and Pike Creek Mortgage Services (#5).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NATION ONE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Exceptional	$3,262Fees	0.023%Above	201
2	Wilmington Savings Fund Society, FSB BankDirect	Strong	Strong	Strong	Exceptional	$553Fees	0.096%Below	208
3	ABERDEEN PROVING GROUND FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Strong	Strong	$641Fees	0.252%Below	75
4	DEL-ONE FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$844Fees	0.067%Below	73
5	PIKE CREEK MORTGAGE SERVICES, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,560Fees	0.274%Above	713
6	MERIDIAN BANK BankDirect	Strong	Sound	Exceptional	Exceptional	$3,210Fees	0.172%Above	293
7	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$791Fees	0.332%Below	76
8	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,310Fees	0.329%Above	686
9	Bank of America, National Association BankDirect	Strong	Strong	Strong	Strong	$2,081Fees	0.069%Below	88
10	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	$2,920Fees	0.042%Above	277
11	KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	$3,195Fees	0.374%Above	174
12	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$720Fees	0.350%Above	445
13	Manufacturers and Traders Trust Company BankDirect	Strong	Strong	Strong	Sound	$1,530Fees	0.097%Above	50
14	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Sound	$173Fees	0.144%Above	25
15	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$1,196Fees	0.042%Above	59
16	MLD MORTGAGE INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	$3,245Fees	0.070%Below	57
17	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,936Fees	0.216%Above	351
18	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$3,027Fees	0.468%Above	101
19	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$3,458Fees	0.151%Above	88
20	Evolve Bank & Trust BankDirect	Strong	Sound	Strong	Strong	$3,876Fees	0.212%Above	87
21	Citizens Bank, National Association BankDirect	Strong	Strong	Strong	Sound	$441Fees	0.041%Below	48
22	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Strong	$1,720Fees	0.109%Above	82
23	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,999Fees	0.024%Above	85
24	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,031Fees	0.066%Above	80
25	Colorado Federal Savings Bank BankWholesale	Strong	Strong*	Sound	Strong	$1,390Fees	0.145%Above	41
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$2,241Fees	0.287%Above	171
27	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,618Fees	0.362%Above	80
28	GREENTREE MORTGAGE COMPANY, L.P. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$2,039Fees	0.522%Above	71
29	Magnolia Bank, Incorporated BankDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$3,362Fees	0.253%Above	40
30	Nations Lending Corporation Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$4,412Fees	0.281%Above	36
31	First Citizens Community Bank BankDirect	Sound	Sound	Strong	Sound	$2,419Fees	0.321%Above	20
32	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	$4,003Fees	0.305%Above	72
33	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$3,284Fees	0.303%Above	58
34	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$2,420Fees	0.506%Above	43
35	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$4,251Fees	0.471%Above	219
36	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$5,237Fees	0.626%Above	158
37	NFM, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$3,625Fees	0.640%Above	72
38	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Strong	Strong	$2,934Fees	0.253%Above	65
39	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$3,330Fees	0.829%Above	102
40	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$2,851Fees	0.339%Above	60
41	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Sound	Sound	$124Credit	0.128%Below	35
42	Fulton Bank, National Association BankDirect	Sound	Sound	Strong	Strong	$1,812Fees	0.456%Above	51
43	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$1,835Fees	0.268%Above	26
44	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$1,622Fees	0.179%Above	23
45	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Sound	Strong	$3,049Fees	0.458%Above	91
46	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$4,093Fees	0.331%Above	87
47	EMBRACE HOME LOANS, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$4,331Fees	0.332%Above	31
48	ALLIED MORTGAGE GROUP, INC. Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	$2,082Fees	0.431%Above	31
49	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$4,494Fees	0.581%Above	67
50	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$2,705Fees	0.309%Above	31

❓ Frequently Asked Questions

How are mortgage lenders ranked in Wilmington, DE?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Wilmington, DE), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Wilmington, DE?+

Based on 2024 HMDA data, 106 lenders originated a combined 7,771 loans in Wilmington, DE. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Wilmington, DE?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Wilmington, DE is 0.30%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Wilmington, DE's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.