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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 Lenders in Wilmington
Updated February 5, 2026
Market Overview
104
Total Lenders
8,058
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | First Bank | Exceptional | Exceptional | Strong | Exceptional | $1,198 | +0.121% | 112 | |
2 | North State Bank | Exceptional | Exceptional | Strong | Exceptional | $835 | +0.052% | 99 | |
3 | STATE EMPLOYEES' | Exceptional | Strong | Strong | Exceptional | $2,358 | -0.826% | 448 | |
4 | First-Citizens Bank & Trust Company | Exceptional | Strong | Strong | Exceptional | $976 | -0.083% | 168 | |
5 | CORNING CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $808 | -0.097% | 167 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $757 | -0.585% | 143 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $362 | -0.424% | 30 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,831 | +0.086% | 297 | |
9 | Truist Bank | Strong | Strong | Strong | Strong | $1,402 | +0.168% | 136 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,588 | -0.105% | 70 | |
11 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $1,556 | -0.348% | 59 | |
12 | Southern Bank and Trust Company | Strong | Strong | Strong | Strong | $1,855 | +0.166% | 53 | |
13 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $1,353 | -0.050% | 49 | |
14 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,043 | -0.060% | 33 | |
15 | NBKC BANK | Strong | Exceptional | Sound | Sound | $783 | -0.080% | 24 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,131 | +0.279% | 401 | |
17 | First National Bank of Pennsylvania | Strong | Sound | Strong | Exceptional | $867 | +0.134% | 246 | |
18 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,120 | +0.151% | 104 | |
19 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,065 | +0.327% | 94 | |
20 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $1,989 | +0.025% | 76 | |
21 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $866 | -0.009% | 31 | |
22 | PNC Bank, National Association | Strong | Strong | Strong | Sound | -$60 | +0.102% | 27 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,091 | +0.271% | 554 | |
24 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,199 | +0.351% | 351 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,303 | +0.259% | 305 | |
26 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Exceptional | $2,233 | +0.400% | 151 | |
27 | American Security Mortgage Corp. | Strong | Sound | Strong | Strong | $1,745 | +0.169% | 99 | |
28 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,294 | -0.116% | 92 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,489 | -0.175% | 90 | |
30 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,850 | +0.361% | 73 | |
31 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,938 | +0.076% | 66 | |
32 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | $2,022 | +0.201% | 48 | |
33 | COASTAL Federal Credit Union | Strong | Sound | Strong | Strong | $1,863 | +0.161% | 42 | |
34 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Sound | $2,136 | +0.086% | 23 | |
35 | Towne Bank | Strong | Acceptable | Exceptional | Strong | $3,131 | +0.284% | 124 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,828 | +0.573% | 93 | |
37 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,087 | +0.525% | 63 | |
38 | SouthState Bank, National Association | Strong | Sound | Strong | Sound | $1,746 | +0.120% | 32 | |
39 | United Bank | Strong | Sound | Strong | Sound | $2,015 | +0.286% | 27 | |
40 | Capital City Home Loans, LLC | Strong | Sound | Strong | Sound | $3,305 | +0.461% | 23 | |
41 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Sound | $1,634 | +0.012% | 22 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,584 | +0.440% | 164 | |
43 | Primis Mortgage Company | Strong | Acceptable | Strong | Strong | $2,075 | +0.346% | 103 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $421 | +0.442% | 101 | |
45 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $3,765 | +0.200% | 93 | |
46 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,484 | +0.364% | 62 | |
47 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,413 | +0.434% | 57 | |
48 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | $3,628 | +0.516% | 51 | |
49 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Sound | $3,485 | +0.145% | 39 | |
50 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,578 | +0.286% | 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)
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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