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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 Jumbo 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 | STATE EMPLOYEES' | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,358 | -0.826% | 448 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,120 | +0.151% | 104 | |
3 | North State Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $835 | +0.052% | 99 | |
4 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,588 | -0.105% | 70 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,131 | +0.279% | 401 | |
6 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $976 | -0.083% | 168 | |
7 | First Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,198 | +0.121% | 112 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $362 | -0.424% | 30 | |
9 | CORNING CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $808 | -0.097% | 167 | |
10 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,402 | +0.168% | 136 | |
11 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,353 | -0.050% | 49 | |
12 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,091 | +0.271% | 554 | |
13 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,303 | +0.259% | 305 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,831 | +0.086% | 297 | |
15 | First National Bank of Pennsylvania | Exceptional | Sound | Exceptional | Strong | Exceptional | $867 | +0.134% | 246 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,938 | +0.076% | 66 | |
17 | COASTAL Federal Credit Union | Strong | Sound | Strong | Exceptional | Strong | $1,863 | +0.161% | 42 | |
18 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,199 | +0.351% | 351 | |
19 | American Security Mortgage Corp. | Strong | Sound | Strong | Strong | Strong | $1,745 | +0.169% | 99 | |
20 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,152 | +0.160% | 29 | |
21 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | -$60 | +0.102% | 27 | |
22 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $2,233 | +0.400% | 151 | |
23 | Towne Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,131 | +0.284% | 124 | |
24 | Primis Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,075 | +0.346% | 103 | |
25 | United Bank | Strong | Acceptable | Strong | Strong | Sound | $2,015 | +0.286% | 27 | |
26 | Presidential Bank, FSB | Sound | Acceptable | Sound | Acceptable | Strong | $3,628 | +0.516% | 51 |
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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