# Best Mortgage Lenders in Wilmington, DE

**As of:** 2026-05-22

Compare the top mortgage lenders in Wilmington, DE. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/wilmington-de/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 106
- **Total Loans:** 7,771
- **Median Rate Spread:** 0.2978867924528302%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | NATION ONE MORTGAGE CORPORATION | 93 | 61 | 94 | 201 | Independent Mortgage Company |
| 2 | Wilmington Savings Fund Society, FSB | 86 | 74 | 77 | 208 | Bank |
| 3 | ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 86 | 81 | 68 | 75 | Credit Union |
| 4 | MERIDIAN BANK | 84 | 49 | 81 | 293 | Bank |
| 5 | Bank of America, National Association | 80 | 73 | 75 | 88 | Bank |
| 6 | PNC Bank, National Association | 80 | 71 | 61 | 59 | Bank |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 277 | Independent Mortgage Company |
| 8 | KEYSTONE FUNDING, INC. | 78 | 42 | 88 | 174 | Independent Mortgage Company |
| 9 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 76 | Credit Union |
| 10 | DEL-ONE FEDERAL CREDIT UNION | 78 | 91 | 58 | 73 | Credit Union |
| 11 | MLD MORTGAGE INC. | 78 | 48 | 82 | 57 | Independent Mortgage Company |
| 12 | PIKE CREEK MORTGAGE SERVICES, INC. | 74 | 30 | 87 | 713 | Independent Mortgage Company |
| 13 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 686 | Independent Mortgage Company |
| 14 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 351 | Independent Mortgage Company |
| 15 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 101 | Independent Mortgage Company |
| 16 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 88 | Independent Mortgage Company |
| 17 | Evolve Bank & Trust | 73 | 51 | 69 | 87 | Bank |
| 18 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 85 | Bank |
| 19 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 82 | Bank |
| 20 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 80 | Independent Mortgage Company |
| 21 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 65 | Independent Mortgage Company |
| 22 | Fulton Bank, National Association | 73 | 40 | 64 | 51 | Bank |
| 23 | Manufacturers and Traders Trust Company | 73 | 62 | 78 | 50 | Bank |
| 24 | Citizens Bank, National Association | 73 | 69 | 62 | 48 | Bank |
| 25 | Colorado Federal Savings Bank | 73 | 73 | 51 | 41 | Bank |
| 26 | U.S. Bank National Association | 73 | 75 | 71 | 25 | Bank |
| 27 | Prosperity Home Mortgage, LLC | 68 | 37 | 77 | 445 | Independent Mortgage Company |
| 28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 171 | Independent Mortgage Company |
| 29 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 80 | Independent Mortgage Company |
| 30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 68 | 26 | 87 | 72 | Independent Mortgage Company |
| 31 | NFM, INC. | 68 | 23 | 87 | 72 | Independent Mortgage Company |
| 32 | ALLIED MORTGAGE GROUP, INC. | 66 | 44 | 61 | 31 | Independent Mortgage Company |
| 33 | First Citizens Community Bank | 66 | 54 | 71 | 20 | Bank |
| 34 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 219 | Independent Mortgage Company |
| 35 | Mortgage Research Center, LLC | 63 | 34 | 70 | 102 | Independent Mortgage Company |
| 36 | GREENTREE MORTGAGE COMPANY, L.P. | 63 | 31 | 79 | 71 | Independent Mortgage Company |
| 37 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 67 | Independent Mortgage Company |
| 38 | EMM LOANS LLC | 63 | 31 | 77 | 60 | Independent Mortgage Company |
| 39 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 58 | Independent Mortgage Company |
| 40 | FIRST COMMUNITY MORTGAGE, INC. | 62 | 31 | 89 | 43 | Independent Mortgage Company |
| 41 | Magnolia Bank, Incorporated | 62 | 37 | 82 | 40 | Bank |
| 42 | Nations Lending Corporation | 62 | 30 | 93 | 36 | Independent Mortgage Company |
| 43 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 35 | Independent Mortgage Company |
| 44 | TD Bank, National Association | 60 | 47 | 57 | 26 | Bank |
| 45 | MDE HOME LOANS, LLC | 60 | 51 | 52 | 21 | Independent Mortgage Company |
| 46 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 128 | Independent Mortgage Company |
| 47 | NEWREZ LLC | 58 | 35 | 59 | 91 | Independent Mortgage Company |
| 48 | ENVOY MORTGAGE, LTD | 58 | 23 | 55 | 76 | Independent Mortgage Company |
| 49 | GUARANTEED RATE AFFINITY, LLC | 58 | 33 | 60 | 43 | Independent Mortgage Company |
| 50 | EMBRACE HOME LOANS, INC. | 58 | 31 | 74 | 31 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Wilmington, DE.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.