Safe Rate Rankings

Best All Lender Mortgage Lenders in Wilmington

Updated May 20, 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 Lenders104

Total Loans8,058

Median Rate Spread0.20%

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	First BankBank	Exceptional	Exceptional	Strong	Exceptional	$1,198Fees	0.121%Above	112
2	North State BankBank	Exceptional	Exceptional	Strong	Exceptional	$835Fees	0.052%Above	99
3	STATE EMPLOYEES'Credit Union	Exceptional	Strong	Strong	Exceptional	$2,358Fees	0.826%Below	448
4	First-Citizens Bank & Trust CompanyBank	Exceptional	Strong	Strong	Exceptional	$976Fees	0.083%Below	168
5	CORNING CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Exceptional	$808Fees	0.097%Below	167
6	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$757Fees	0.585%Below	143
7	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	$362Fees	0.424%Below	30
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,831Fees	0.086%Above	297
9	Truist BankBank	Strong	Strong	Strong	Strong	$1,402Fees	0.168%Above	136
10	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,588Fees	0.105%Below	70
11	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Strong	Strong	Strong	$1,556Fees	0.348%Below	59
12	Southern Bank and Trust CompanyBank	Strong	Strong	Strong	Strong	$1,855Fees	0.166%Above	53
13	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,353Fees	0.050%Below	49
14	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$1,043Fees	0.060%Below	33
15	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$783Fees	0.080%Below	24
16	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,131Fees	0.279%Above	401
17	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Exceptional	$867Fees	0.134%Above	246
18	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,120Fees	0.151%Above	104
19	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,065Fees	0.327%Above	94
20	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,989Fees	0.025%Above	76
21	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$866Fees	0.009%Below	31
22	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$60Credit	0.102%Above	27
23	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,091Fees	0.271%Above	554
24	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,199Fees	0.351%Above	351
25	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,303Fees	0.259%Above	305
26	Integrity Home Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,233Fees	0.400%Above	151
27	American Security Mortgage Corp.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,745Fees	0.169%Above	99
28	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,294Fees	0.116%Below	92
29	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,489Fees	0.175%Below	90
30	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,850Fees	0.361%Above	73
31	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,938Fees	0.076%Above	66
32	LOANSTEADY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,022Fees	0.201%Above	48
33	COASTAL Federal Credit UnionCredit Union	Strong	Sound	Strong	Strong	$1,863Fees	0.161%Above	42
34	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,136Fees	0.086%Above	23
35	Towne BankBank	Strong	Acceptable	Exceptional	Strong	$3,131Fees	0.284%Above	124
36	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,828Fees	0.573%Above	93
37	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,087Fees	0.525%Above	63
38	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Sound	$1,746Fees	0.120%Above	32
39	United BankBank	Strong	Sound	Strong	Sound	$2,015Fees	0.286%Above	27
40	Capital City Home Loans, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,305Fees	0.461%Above	23
41	RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,634Fees	0.012%Above	22
42	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,584Fees	0.440%Above	164
43	Primis Mortgage CompanyIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,075Fees	0.346%Above	103
44	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$421Fees	0.442%Above	101
45	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Strong	Strong	$3,765Fees	0.200%Above	93
46	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,484Fees	0.364%Above	62
47	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,413Fees	0.434%Above	57
48	Presidential Bank, FSBBank	Strong	Acceptable	Strong	Strong	$3,628Fees	0.516%Above	51
49	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,485Fees	0.145%Above	39
50	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,578Fees	0.286%Above	38

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.