# Best FHA Mortgage Lenders in Wilmington, DE

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

Compare the top FHA mortgage lenders in Wilmington, DE. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 95 | 67 | 88 | 201 | Independent Mortgage Company |
| 2 | Prosperity Home Mortgage, LLC | 89 | 63 | 72 | 445 | Independent Mortgage Company |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 101 | Independent Mortgage Company |
| 4 | PIKE CREEK MORTGAGE SERVICES, INC. | 83 | 44 | 86 | 713 | Independent Mortgage Company |
| 5 | MERIDIAN BANK | 83 | 55 | 80 | 293 | Bank |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 277 | Independent Mortgage Company |
| 7 | Wilmington Savings Fund Society, FSB | 83 | 85 | 59 | 208 | Bank |
| 8 | KEYSTONE FUNDING, INC. | 83 | 51 | 83 | 174 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 686 | Independent Mortgage Company |
| 10 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 88 | Independent Mortgage Company |
| 11 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 80 | Independent Mortgage Company |
| 12 | EMM LOANS LLC | 79 | 44 | 67 | 60 | Independent Mortgage Company |
| 13 | MLD MORTGAGE INC. | 79 | 47 | 75 | 57 | Independent Mortgage Company |
| 14 | Manufacturers and Traders Trust Company | 79 | 74 | 65 | 50 | Bank |
| 15 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 351 | Independent Mortgage Company |
| 16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 171 | Independent Mortgage Company |
| 17 | NFM, INC. | 75 | 40 | 83 | 72 | Independent Mortgage Company |
| 18 | GREENTREE MORTGAGE COMPANY, L.P. | 75 | 40 | 80 | 71 | Independent Mortgage Company |
| 19 | Evolve Bank & Trust | 74 | 49 | 71 | 87 | Bank |
| 20 | First Citizens Community Bank | 74 | 70 | 77 | 20 | Bank |
| 21 | NEWREZ LLC | 73 | 52 | 56 | 91 | Independent Mortgage Company |
| 22 | ALLIED MORTGAGE GROUP, INC. | 73 | 54 | 68 | 31 | Independent Mortgage Company |
| 23 | Flagstar Bank, N.A. | 73 | 58 | 71 | 23 | Bank |
| 24 | GoodLeap, LLC | 73 | 62 | 58 | 19 | Independent Mortgage Company |
| 25 | Advisors Mortgage Group, L.L.C. | 73 | 50 | 79 | 17 | Independent Mortgage Company |
| 26 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 80 | Independent Mortgage Company |
| 27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 38 | 79 | 72 | Independent Mortgage Company |
| 28 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 65 | Independent Mortgage Company |
| 29 | FIRST COMMUNITY MORTGAGE, INC. | 70 | 33 | 84 | 43 | Independent Mortgage Company |
| 30 | Nations Lending Corporation | 70 | 27 | 83 | 36 | Independent Mortgage Company |
| 31 | Magnolia Bank, Incorporated | 69 | 48 | 74 | 40 | Bank |
| 32 | Mortgage Research Center, LLC | 66 | 34 | 54 | 102 | Independent Mortgage Company |
| 33 | ENVOY MORTGAGE, LTD | 66 | 22 | 54 | 76 | Independent Mortgage Company |
| 34 | CMG MORTGAGE, INC. | 66 | 32 | 79 | 58 | Independent Mortgage Company |
| 35 | PLAZA HOME MORTGAGE, INC. | 66 | 30 | 65 | 31 | Independent Mortgage Company |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 35 | Independent Mortgage Company |
| 37 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 31 | Independent Mortgage Company |
| 38 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 24 | Independent Mortgage Company |
| 39 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 219 | Independent Mortgage Company |
| 40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 60 | 17 | 70 | 158 | Independent Mortgage Company |
| 41 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 60 | 9 | 74 | 87 | Independent Mortgage Company |
| 42 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 67 | Independent Mortgage Company |
| 43 | ABSOLUTE HOME MORTGAGE CORPORATION | 60 | 20 | 71 | 64 | Independent Mortgage Company |
| 44 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 128 | Independent Mortgage Company |
| 45 | Luminate Home Loans, Inc. | 56 | 11 | 63 | 24 | Independent Mortgage Company |
| 46 | Acre Mortgage & Financial, Inc. | 53 | 13 | 70 | 25 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.