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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 VA 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 | Exceptional | Exceptional | Strong | $1,556 | -0.348% | 59 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,831 | +0.086% | 297 | |
3 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,131 | +0.279% | 401 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $757 | -0.585% | 143 | |
5 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,765 | +0.200% | 93 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,989 | +0.025% | 76 | |
7 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $783 | -0.080% | 24 | |
8 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,303 | +0.259% | 305 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,489 | -0.175% | 90 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,850 | +0.361% | 73 | |
11 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,484 | +0.364% | 62 | |
12 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,131 | +0.284% | 124 | |
13 | American Security Mortgage Corp. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,745 | +0.169% | 99 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,091 | +0.271% | 554 | |
15 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,199 | +0.351% | 351 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,886 | +0.206% | 139 | |
17 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,402 | +0.168% | 136 | |
18 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | Strong | $2,065 | +0.327% | 94 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,294 | -0.116% | 92 | |
20 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,578 | +0.286% | 38 | |
21 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,704 | -0.230% | 35 | |
22 | PENTAGON FEDERAL CREDIT UNION | Strong | Strong | Exceptional | Sound | Sound | $3,247 | -0.154% | 18 | |
23 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,233 | +0.400% | 151 | |
24 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,075 | +0.346% | 103 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,828 | +0.573% | 93 | |
26 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | Strong | $2,022 | +0.201% | 48 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,584 | +0.440% | 164 | |
28 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $421 | +0.442% | 101 | |
29 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,087 | +0.525% | 63 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,413 | +0.434% | 57 | |
31 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,485 | +0.145% | 39 | |
32 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,451 | +0.379% | 34 | |
33 | Blue Ridge Bank, National Association | Strong | Sound | Strong | Strong | Sound | $3,714 | +0.257% | 28 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,528 | +0.095% | 30 | |
35 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | 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 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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