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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 Conventional Mortgage Company Lenders in Wilmington
Updated February 5, 2026
Market Overview
42
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,043 | -0.060% | 33 | |
2 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Strong | $1,745 | +0.169% | 99 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,091 | +0.271% | 554 | |
4 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,199 | +0.351% | 351 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,831 | +0.086% | 297 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,294 | -0.116% | 92 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,989 | +0.025% | 76 | |
8 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $2,136 | +0.086% | 23 | |
9 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,131 | +0.279% | 401 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,303 | +0.259% | 305 | |
11 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,065 | +0.327% | 94 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,489 | -0.175% | 90 | |
13 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $1,556 | -0.348% | 59 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,584 | +0.440% | 164 | |
15 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $2,233 | +0.400% | 151 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,828 | +0.573% | 93 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,850 | +0.361% | 73 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,087 | +0.525% | 63 | |
19 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,484 | +0.364% | 62 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,413 | +0.434% | 57 | |
21 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,235 | +0.307% | 48 | |
22 | LOANSTEADY LLC | Strong | Sound | Strong | Sound | Strong | $2,022 | +0.201% | 48 | |
23 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,485 | +0.145% | 39 | |
24 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Sound | $3,305 | +0.461% | 23 | |
25 | RESOURCE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $1,634 | +0.012% | 22 | |
26 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,886 | +0.206% | 139 | |
27 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,916 | +0.360% | 41 | |
28 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,445 | +0.508% | 41 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,578 | +0.286% | 38 | |
30 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,451 | +0.379% | 34 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,528 | +0.095% | 30 | |
32 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,439 | +0.498% | 25 | |
33 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Sound | Sound | $1,769 | +0.001% | 18 | |
34 | Primis Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,075 | +0.346% | 103 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $421 | +0.442% | 101 | |
36 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,714 | +0.592% | 29 | |
37 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,857 | +0.302% | 27 | |
38 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,826 | +0.670% | 24 | |
39 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $3,541 | +0.437% | 21 | |
40 | AMERICAN FINANCIAL RESOURCES, INC. | Sound | Acceptable | Strong | Sound | Sound | $3,387 | +0.577% | 19 | |
41 | VISION LENDING SERVICES, LLC | Sound | Acceptable | Acceptable | Sound | Sound | $2,054 | +0.157% | 19 |
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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