🛡️
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 Company Lenders in Wilmington
Updated February 5, 2026
Market Overview
40
Total Lenders
5,423
Total Loans
0.29%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,831 | +0.086% | 297 | |
2 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $1,556 | -0.348% | 59 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,043 | -0.060% | 33 | |
4 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,131 | +0.279% | 401 | |
5 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,065 | +0.327% | 94 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $1,989 | +0.025% | 76 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,091 | +0.271% | 554 | |
8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,199 | +0.351% | 351 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,303 | +0.259% | 305 | |
10 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Exceptional | $2,233 | +0.400% | 151 | |
11 | American Security Mortgage Corp. | Strong | Sound | Strong | Strong | $1,745 | +0.169% | 99 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,294 | -0.116% | 92 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,489 | -0.175% | 90 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,850 | +0.361% | 73 | |
15 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | $2,022 | +0.201% | 48 | |
16 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Sound | $2,136 | +0.086% | 23 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,828 | +0.573% | 93 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,087 | +0.525% | 63 | |
19 | Capital City Home Loans, LLC | Strong | Sound | Strong | Sound | $3,305 | +0.461% | 23 | |
20 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Sound | $1,634 | +0.012% | 22 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,584 | +0.440% | 164 | |
22 | Primis Mortgage Company | Strong | Acceptable | Strong | Strong | $2,075 | +0.346% | 103 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $421 | +0.442% | 101 | |
24 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,484 | +0.364% | 62 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,413 | +0.434% | 57 | |
26 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Sound | $3,485 | +0.145% | 39 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,578 | +0.286% | 38 | |
28 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $2,451 | +0.379% | 34 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $2,528 | +0.095% | 30 | |
30 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,439 | +0.498% | 25 | |
31 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,826 | +0.670% | 24 | |
32 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,886 | +0.206% | 139 | |
33 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $1,916 | +0.360% | 41 | |
34 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $2,445 | +0.508% | 41 | |
35 | TIDEWATER MORTGAGE SERVICES, INC. | Sound | Acceptable | Strong | Sound | $2,857 | +0.302% | 27 | |
36 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $3,541 | +0.437% | 21 | |
37 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Strong | $3,235 | +0.307% | 48 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,714 | +0.592% | 29 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,395 | +0.329% | 20 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Wilmington, NC
No credit impact
3-minute process
100% free