Safe Rate Rankings

Best Conventional 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

Rocket Mortgage is Safe Rate's top-ranked Conventional lender in Wilmington, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Wilmington, Navy Federal Credit Union and Wilmington Savings Fund Society FSB scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 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 (#1) and Pike Creek Mortgage Services (#6).

Explore Rankings by Type

Overall Rankings

All lenders in Wilmington

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,310Fees	0.329%Above	686
2	Wilmington Savings Fund Society, FSB BankDirect	Strong	Strong	Strong	Strong	Exceptional	$553Fees	0.096%Below	208
3	NATION ONE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Strong	Strong	Exceptional	Exceptional	$3,262Fees	0.023%Above	201
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$2,920Fees	0.042%Above	277
5	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$791Fees	0.332%Below	76
6	PIKE CREEK MORTGAGE SERVICES, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,560Fees	0.274%Above	713
7	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$2,081Fees	0.069%Below	88
8	PNC Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,196Fees	0.042%Above	59
9	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$173Fees	0.144%Above	25
10	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,999Fees	0.024%Above	85
11	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Sound	$1,530Fees	0.097%Above	50
12	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$720Fees	0.350%Above	445
13	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,936Fees	0.216%Above	351
14	DEL-ONE FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Sound	Strong	$844Fees	0.067%Below	73
15	MERIDIAN BANK BankDirect	Strong	Sound	Strong	Strong	Exceptional	$3,210Fees	0.172%Above	293
16	KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	Strong	$3,195Fees	0.374%Above	174
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,241Fees	0.287%Above	171
18	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,458Fees	0.151%Above	88
19	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,720Fees	0.109%Above	82
20	ABERDEEN PROVING GROUND FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	Strong	$641Fees	0.252%Below	75
21	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$441Fees	0.041%Below	48
22	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,618Fees	0.362%Above	80
23	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,251Fees	0.471%Above	219
24	MLD MORTGAGE INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$3,245Fees	0.070%Below	57
25	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,934Fees	0.253%Above	65
26	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,284Fees	0.303%Above	58
27	Nations Lending Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,412Fees	0.281%Above	36
28	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Sound	$76Credit	0.075%Below	17
29	Evolve Bank & Trust BankDirect	Strong	Sound	Strong	Strong	Strong	$3,876Fees	0.212%Above	87
30	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,031Fees	0.066%Above	80
31	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,851Fees	0.339%Above	60
32	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,420Fees	0.506%Above	43
33	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$2,770Fees	0.544%Above	128
34	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$3,049Fees	0.458%Above	91
35	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$4,003Fees	0.305%Above	72
36	NFM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$3,625Fees	0.640%Above	72
37	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$124Credit	0.128%Below	35
38	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,835Fees	0.268%Above	26
39	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,622Fees	0.179%Above	23
40	Advisors Mortgage Group, L.L.C. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Sound	$2,757Fees	0.374%Above	17
41	GREENTREE MORTGAGE COMPANY, L.P. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Strong	$2,039Fees	0.522%Above	71
42	Fulton Bank, National Association BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,812Fees	0.456%Above	51
43	Colorado Federal Savings Bank BankWholesale	Strong	Strong*	Strong	Sound	Strong	$1,390Fees	0.145%Above	41
44	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$5,237Fees	0.626%Above	158
45	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,093Fees	0.331%Above	87
46	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,705Fees	0.309%Above	31
47	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,626Fees	0.280%Above	17
48	Magnolia Bank, Incorporated BankDirect & Wholesale	Sound	Acceptable*	Strong	Strong	Sound	$3,362Fees	0.253%Above	40
49	FIRST HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Exceptional	Sound	$4,306Fees	0.396%Above	22
50	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Strong	$3,027Fees	0.468%Above	101

❓ 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 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.

⚖️ 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.