🛡️
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 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,198 | +0.121% | 112 | |
2 | STATE EMPLOYEES' | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,358 | -0.826% | 448 | |
3 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Exceptional | $867 | +0.134% | 246 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $757 | -0.585% | 143 | |
5 | North State Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $835 | +0.052% | 99 | |
6 | CORNING CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $808 | -0.097% | 167 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,402 | +0.168% | 136 | |
8 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,588 | -0.105% | 70 | |
9 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,043 | -0.060% | 33 | |
10 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,120 | +0.151% | 104 | |
11 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Strong | $1,745 | +0.169% | 99 | |
12 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,353 | -0.050% | 49 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $866 | -0.009% | 31 | |
14 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $362 | -0.424% | 30 | |
15 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | -$60 | +0.102% | 27 | |
16 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $783 | -0.080% | 24 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,091 | +0.271% | 554 | |
18 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,199 | +0.351% | 351 | |
19 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,831 | +0.086% | 297 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,294 | -0.116% | 92 | |
21 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,989 | +0.025% | 76 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,938 | +0.076% | 66 | |
23 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $2,136 | +0.086% | 23 | |
24 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,131 | +0.279% | 401 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,303 | +0.259% | 305 | |
26 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Exceptional | $976 | -0.083% | 168 | |
27 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,065 | +0.327% | 94 | |
28 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,489 | -0.175% | 90 | |
29 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $1,556 | -0.348% | 59 | |
30 | Southern Bank and Trust Company | Strong | Sound | Strong | Strong | Strong | $1,855 | +0.166% | 53 | |
31 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,746 | +0.120% | 32 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,584 | +0.440% | 164 | |
33 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $2,233 | +0.400% | 151 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,828 | +0.573% | 93 | |
35 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,850 | +0.361% | 73 | |
36 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,087 | +0.525% | 63 | |
37 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,484 | +0.364% | 62 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,413 | +0.434% | 57 | |
39 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,235 | +0.307% | 48 | |
40 | LOANSTEADY LLC | Strong | Sound | Strong | Sound | Strong | $2,022 | +0.201% | 48 | |
41 | COASTAL Federal Credit Union | Strong | Sound | Strong | Sound | Strong | $1,863 | +0.161% | 42 | |
42 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,485 | +0.145% | 39 | |
43 | United Bank | Strong | Sound | Strong | Strong | Sound | $2,015 | +0.286% | 27 | |
44 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Sound | $3,305 | +0.461% | 23 | |
45 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $1,634 | +0.012% | 22 | |
46 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,886 | +0.206% | 139 | |
47 | Towne Bank | Strong | Acceptable | Strong | Strong | Strong | $3,131 | +0.284% | 124 | |
48 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Strong | $3,628 | +0.516% | 51 | |
49 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,916 | +0.360% | 41 | |
50 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,445 | +0.508% | 41 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Wilmington, NCConventional
No credit impact
3-minute process
100% free