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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 FHA Mortgage Company Lenders in Wilmington
Updated February 5, 2026
Market Overview
39
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 | Exceptional | Exceptional | Exceptional | $3,262 | +0.023% | 201 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $720 | +0.350% | 445 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,027 | +0.468% | 101 | |
4 | PIKE CREEK MORTGAGE SERVICES, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,560 | +0.274% | 713 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,920 | +0.042% | 277 | |
6 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,195 | +0.374% | 174 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,031 | +0.066% | 80 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,310 | +0.329% | 686 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,458 | +0.151% | 88 | |
10 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $2,851 | +0.339% | 60 | |
11 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Strong | $3,245 | -0.070% | 57 | |
12 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $4,424 | -0.384% | 19 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,936 | +0.216% | 351 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,241 | +0.287% | 171 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,049 | +0.458% | 91 | |
16 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,625 | +0.640% | 72 | |
17 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,039 | +0.522% | 71 | |
18 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,082 | +0.431% | 31 | |
19 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Sound | $2,757 | +0.374% | 17 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,618 | +0.362% | 80 | |
21 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,003 | +0.305% | 72 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,934 | +0.253% | 65 | |
23 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,420 | +0.506% | 43 | |
24 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,412 | +0.281% | 36 | |
25 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,330 | +0.829% | 102 | |
26 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Strong | $2,030 | +0.500% | 76 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,284 | +0.303% | 58 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,705 | +0.309% | 31 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,251 | +0.471% | 219 | |
30 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $5,237 | +0.626% | 158 | |
31 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,093 | +0.331% | 87 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,494 | +0.581% | 67 | |
33 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,236 | +0.525% | 64 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | -$124 | -0.128% | 35 | |
35 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $3,217 | +0.724% | 31 | |
36 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,565 | +0.571% | 24 | |
37 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,770 | +0.544% | 128 | |
38 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,728 | +0.373% | 24 | |
39 | Acre Mortgage & Financial, Inc. | Sound | Mediocre | Strong | Strong | 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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