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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 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 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,556 | -0.348% | 59 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,831 | +0.086% | 297 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,850 | +0.361% | 73 | |
4 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,484 | +0.364% | 62 | |
5 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,131 | +0.284% | 124 | |
6 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Strong | $1,745 | +0.169% | 99 | |
7 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,065 | +0.327% | 94 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,489 | -0.175% | 90 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,989 | +0.025% | 76 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,091 | +0.271% | 554 | |
11 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,199 | +0.351% | 351 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,294 | -0.116% | 92 | |
13 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,131 | +0.279% | 401 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,303 | +0.259% | 305 | |
15 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,233 | +0.400% | 151 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,886 | +0.206% | 139 | |
17 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,075 | +0.346% | 103 | |
18 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,765 | +0.200% | 93 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,828 | +0.573% | 93 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,087 | +0.525% | 63 | |
21 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | Strong | $2,022 | +0.201% | 48 | |
22 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,339 | +0.152% | 24 | |
23 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,485 | +0.145% | 39 | |
24 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,451 | +0.379% | 34 | |
25 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Strong | $3,628 | +0.516% | 51 | |
26 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,235 | +0.307% | 48 | |
27 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,541 | +0.437% | 21 | |
28 | AMERICAN FINANCIAL RESOURCES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,387 | +0.577% | 19 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,584 | +0.440% | 164 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,413 | +0.434% | 57 | |
31 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,395 | +0.329% | 20 | |
32 | VISION LENDING SERVICES, LLC | Sound | Acceptable | Sound | Strong | Sound | $2,054 | +0.157% | 19 | |
33 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,714 | +0.592% | 29 |
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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