Safe Rate Rankings

Best Jumbo 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%

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

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.