Safe Rate Rankings

Best All Lender Mortgage Lenders in Wilmington

Updated May 22, 2026

⚖️ 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

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