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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 Mortgage Company Lenders in Wilmington
Updated February 5, 2026
Market Overview
44
Total Lenders
6,139
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | $3,262 | +0.023% | 201 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,920 | +0.042% | 277 | |
3 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $3,195 | +0.374% | 174 | |
4 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $3,245 | -0.070% | 57 | |
5 | PIKE CREEK MORTGAGE SERVICES, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,560 | +0.274% | 713 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,310 | +0.329% | 686 | |
7 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,936 | +0.216% | 351 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,027 | +0.468% | 101 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,458 | +0.151% | 88 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,031 | +0.066% | 80 | |
11 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,934 | +0.253% | 65 | |
12 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $720 | +0.350% | 445 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,241 | +0.287% | 171 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,618 | +0.362% | 80 | |
15 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,625 | +0.640% | 72 | |
16 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,003 | +0.305% | 72 | |
17 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | $2,082 | +0.431% | 31 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,251 | +0.471% | 219 | |
19 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,330 | +0.829% | 102 | |
20 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | $2,039 | +0.522% | 71 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,494 | +0.581% | 67 | |
22 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $2,851 | +0.339% | 60 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,284 | +0.303% | 58 | |
24 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,420 | +0.506% | 43 | |
25 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Sound | $4,412 | +0.281% | 36 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | -$124 | -0.128% | 35 | |
27 | MDE HOME LOANS, LLC | Strong | Sound | Sound | Sound | -$1,430 | +0.034% | 21 | |
28 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,770 | +0.544% | 128 | |
29 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,049 | +0.458% | 91 | |
30 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Strong | $2,030 | +0.500% | 76 | |
31 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $3,934 | +0.282% | 43 | |
32 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | $4,331 | +0.332% | 31 | |
33 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $2,705 | +0.309% | 31 | |
34 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $1,835 | +0.268% | 26 | |
35 | TIDEWATER MORTGAGE SERVICES, INC. | Sound | Acceptable | Strong | Sound | $2,087 | +0.466% | 25 | |
36 | NEW FED MORTGAGE, CORP. | Sound | Acceptable | Strong | Sound | $3,864 | +0.334% | 22 | |
37 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $5,237 | +0.626% | 158 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $4,093 | +0.331% | 87 | |
39 | ABSOLUTE HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $3,236 | +0.525% | 64 | |
40 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $3,565 | +0.571% | 24 | |
41 | FIRST HOME MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $4,306 | +0.396% | 22 | |
42 | Acre Mortgage & Financial, Inc. | Sound | Mediocre | Strong | Sound | $2,850 | +0.325% | 25 | |
43 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Sound | $4,728 | +0.373% | 24 | |
44 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $3,217 | +0.724% | 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)
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.
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