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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 Conventional Mortgage Company Lenders in Wilmington
Updated February 5, 2026
Market Overview
46
Total Lenders
7,771
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | Exceptional | $3,262 | +0.023% | 201 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,310 | +0.329% | 686 | |
3 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,458 | +0.151% | 88 | |
4 | PIKE CREEK MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,560 | +0.274% | 713 | |
5 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $720 | +0.350% | 445 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,936 | +0.216% | 351 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,920 | +0.042% | 277 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,031 | +0.066% | 80 | |
9 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $3,245 | -0.070% | 57 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | -$124 | -0.128% | 35 | |
11 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,705 | +0.309% | 31 | |
12 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Sound | $2,757 | +0.374% | 17 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,251 | +0.471% | 219 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,241 | +0.287% | 171 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,027 | +0.468% | 101 | |
16 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,093 | +0.331% | 87 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,618 | +0.362% | 80 | |
18 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,003 | +0.305% | 72 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,494 | +0.581% | 67 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,934 | +0.253% | 65 | |
21 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,851 | +0.339% | 60 | |
22 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,412 | +0.281% | 36 | |
23 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,195 | +0.374% | 174 | |
24 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,770 | +0.544% | 128 | |
25 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,049 | +0.458% | 91 | |
26 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | Strong | $2,039 | +0.522% | 71 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,284 | +0.303% | 58 | |
28 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,420 | +0.506% | 43 | |
29 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Sound | $2,082 | +0.431% | 31 | |
30 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,835 | +0.268% | 26 | |
31 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $4,424 | -0.384% | 19 | |
32 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,626 | +0.280% | 17 | |
33 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $5,237 | +0.626% | 158 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,330 | +0.829% | 102 | |
35 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Strong | Sound | Strong | $2,030 | +0.500% | 76 | |
36 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,625 | +0.640% | 72 | |
37 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,236 | +0.525% | 64 | |
38 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,934 | +0.282% | 43 | |
39 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,087 | +0.466% | 25 | |
40 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Strong | Sound | $3,864 | +0.334% | 22 | |
41 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,306 | +0.396% | 22 | |
42 | MDE HOME LOANS, LLC | Strong | Sound | Sound | Sound | Sound | -$1,430 | +0.034% | 21 | |
43 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $4,331 | +0.332% | 31 | |
44 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,728 | +0.373% | 24 | |
45 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $3,217 | +0.724% | 31 | |
46 | Acre Mortgage & Financial, Inc. | Sound | Mediocre | Sound | Sound | Sound | $2,850 | +0.325% | 25 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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