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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 Mortgage Lenders in Wilmington

Updated February 5, 2026

Market Overview

106

Total Lenders

7,771

Total Loans

0.30%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	NATION ONE MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Exceptional	$3,262	+0.023%	201
2	ABERDEEN PROVING GROUND FEDERAL CREDIT UNION	Exceptional	Exceptional	Strong	Strong	$641	-0.252%	75
3	Wilmington Savings Fund Society, FSB	Exceptional	Strong	Strong	Exceptional	$553	-0.096%	208
4	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$791	-0.332%	76
5	DEL-ONE FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$844	-0.067%	73
6	MERIDIAN BANK	Strong	Sound	Exceptional	Exceptional	$3,210	+0.172%	293
7	Bank of America, National Association	Strong	Strong	Strong	Strong	$2,081	-0.069%	88
8	PNC Bank, National Association	Strong	Strong	Strong	Strong	$1,196	+0.042%	59
9	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	$2,920	+0.042%	277
10	KEYSTONE FUNDING, INC.	Strong	Sound	Exceptional	Strong	$3,195	+0.374%	174
11	Wells Fargo Bank, National Association	Strong	Strong	Sound	Strong	$1,720	+0.109%	82
12	MLD MORTGAGE INC.	Strong	Sound	Exceptional	Strong	$3,245	-0.070%	57
13	Manufacturers and Traders Trust Company	Strong	Strong	Strong	Sound	$1,530	+0.097%	50
14	Citizens Bank, National Association	Strong	Strong	Strong	Sound	$441	-0.041%	48
15	Colorado Federal Savings Bank	Strong	Strong	Sound	Strong	$1,390	+0.145%	41
16	U.S. Bank National Association	Strong	Strong	Strong	Sound	$173	+0.144%	25
17	PIKE CREEK MORTGAGE SERVICES, INC.	Strong	Acceptable	Exceptional	Exceptional	$3,560	+0.274%	713
18	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,310	+0.329%	686
19	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Exceptional	$2,936	+0.216%	351
20	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$3,027	+0.468%	101
21	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$3,458	+0.151%	88
22	Evolve Bank & Trust	Strong	Sound	Strong	Strong	$3,876	+0.212%	87
23	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$1,999	+0.024%	85
24	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$1,031	+0.066%	80
25	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$2,934	+0.253%	65
26	Fulton Bank, National Association	Strong	Sound	Strong	Strong	$1,812	+0.456%	51
27	Prosperity Home Mortgage, LLC	Strong	Acceptable	Strong	Exceptional	$720	+0.350%	445
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$2,241	+0.287%	171
29	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$3,618	+0.362%	80
30	NFM, INC.	Strong	Acceptable	Exceptional	Strong	$3,625	+0.640%	72
31	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	$4,003	+0.305%	72
32	ALLIED MORTGAGE GROUP, INC.	Strong	Sound	Strong	Sound	$2,082	+0.431%	31
33	First Citizens Community Bank	Strong	Sound	Strong	Sound	$2,419	+0.321%	20
34	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$4,251	+0.471%	219
35	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$3,330	+0.829%	102
36	GREENTREE MORTGAGE COMPANY, L.P.	Strong	Acceptable	Strong	Strong	$2,039	+0.522%	71
37	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$4,494	+0.581%	67
38	EMM LOANS LLC	Strong	Acceptable	Strong	Strong	$2,851	+0.339%	60
39	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$3,284	+0.303%	58
40	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$2,420	+0.506%	43
41	Magnolia Bank, Incorporated	Strong	Acceptable	Exceptional	Sound	$3,362	+0.253%	40
42	Nations Lending Corporation	Strong	Acceptable	Exceptional	Sound	$4,412	+0.281%	36
43	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Sound	-$124	-0.128%	35
44	TD Bank, National Association	Strong	Sound	Sound	Sound	$1,292	+0.192%	26
45	MDE HOME LOANS, LLC	Strong	Sound	Sound	Sound	-$1,430	+0.034%	21
46	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Strong	$2,770	+0.544%	128
47	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$3,049	+0.458%	91
48	ENVOY MORTGAGE, LTD	Sound	Acceptable	Sound	Strong	$2,030	+0.500%	76
49	GUARANTEED RATE AFFINITY, LLC	Sound	Acceptable	Strong	Sound	$3,934	+0.282%	43
50	EMBRACE HOME LOANS, INC.	Sound	Acceptable	Strong	Sound	$4,331	+0.332%	31

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 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.

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