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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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NATION ONE MORTGAGE CORPORATION	Exceptional	Strong	Strong	Exceptional	Exceptional	$3,262	+0.023%	201
2	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$791	-0.332%	76
3	Wilmington Savings Fund Society, FSB	Exceptional	Strong	Strong	Strong	Exceptional	$553	-0.096%	208
4	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$2,081	-0.069%	88
5	ABERDEEN PROVING GROUND FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	Strong	$641	-0.252%	75
6	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,196	+0.042%	59
7	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,720	+0.109%	82
8	DEL-ONE FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Sound	Strong	$844	-0.067%	73
9	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$173	+0.144%	25
10	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	-$76	-0.075%	17
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,310	+0.329%	686
12	MERIDIAN BANK	Strong	Sound	Strong	Strong	Exceptional	$3,210	+0.172%	293
13	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,458	+0.151%	88
14	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$1,999	+0.024%	85
15	Citizens Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$441	-0.041%	48
16	Colorado Federal Savings Bank	Strong	Strong	Strong	Sound	Strong	$1,390	+0.145%	41
17	PIKE CREEK MORTGAGE SERVICES, INC.	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,560	+0.274%	713
18	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$720	+0.350%	445
19	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,936	+0.216%	351
20	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,920	+0.042%	277
21	Evolve Bank & Trust	Strong	Sound	Strong	Strong	Strong	$3,876	+0.212%	87
22	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,031	+0.066%	80
23	MLD MORTGAGE INC.	Strong	Sound	Strong	Strong	Strong	$3,245	-0.070%	57
24	Manufacturers and Traders Trust Company	Strong	Sound	Exceptional	Strong	Sound	$1,530	+0.097%	50
25	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	-$124	-0.128%	35
26	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,705	+0.309%	31
27	Advisors Mortgage Group, L.L.C.	Strong	Sound	Exceptional	Strong	Sound	$2,757	+0.374%	17
28	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,251	+0.471%	219
29	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,241	+0.287%	171
30	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$3,027	+0.468%	101
31	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,093	+0.331%	87
32	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,618	+0.362%	80
33	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$4,003	+0.305%	72
34	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,494	+0.581%	67
35	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,934	+0.253%	65
36	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,851	+0.339%	60
37	Fulton Bank, National Association	Strong	Acceptable	Exceptional	Strong	Strong	$1,812	+0.456%	51
38	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,412	+0.281%	36
39	KEYSTONE FUNDING, INC.	Strong	Acceptable	Strong	Strong	Strong	$3,195	+0.374%	174
40	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,770	+0.544%	128
41	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,049	+0.458%	91
42	GREENTREE MORTGAGE COMPANY, L.P.	Strong	Acceptable	Strong	Strong	Strong	$2,039	+0.522%	71
43	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,284	+0.303%	58
44	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,420	+0.506%	43
45	ALLIED MORTGAGE GROUP, INC.	Strong	Sound	Strong	Sound	Sound	$2,082	+0.431%	31
46	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,835	+0.268%	26
47	TD Bank, National Association	Strong	Sound	Strong	Sound	Sound	$1,292	+0.192%	26
48	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$1,622	+0.179%	23
49	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$4,424	-0.384%	19
50	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$2,626	+0.280%	17

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 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.

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Wilmington, DEConventional

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