🛡️
Safe Rate's TrueRank Guarantee
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 Bank Mortgage Lenders in Wilmington
Updated February 5, 2026
Market Overview
16
Total Lenders
1,408
Total Loans
0.16%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Wilmington Savings Fund Society, FSB | Exceptional | Strong | Strong | Exceptional | $553 | -0.096% | 208 | |
2 | MERIDIAN BANK | Strong | Sound | Exceptional | Exceptional | $3,210 | +0.172% | 293 | |
3 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,081 | -0.069% | 88 | |
4 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $1,196 | +0.042% | 59 | |
5 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,720 | +0.109% | 82 | |
6 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Sound | $1,530 | +0.097% | 50 | |
7 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $441 | -0.041% | 48 | |
8 | Colorado Federal Savings Bank | Strong | Strong | Sound | Strong | $1,390 | +0.145% | 41 | |
9 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $173 | +0.144% | 25 | |
10 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | $3,876 | +0.212% | 87 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,999 | +0.024% | 85 | |
12 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $1,812 | +0.456% | 51 | |
13 | First Citizens Community Bank | Strong | Sound | Strong | Sound | $2,419 | +0.321% | 20 | |
14 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Sound | $3,362 | +0.253% | 40 | |
15 | TD Bank, National Association | Strong | Sound | Sound | Sound | $1,292 | +0.192% | 26 | |
16 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $1,622 | +0.179% | 23 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Wilmington, DE
No credit impact
3-minute process
100% free