4,910 lenders filed HMDA data for 2025 with enough volume to show. Each page carries the lender's approval rate, denial rate, real interest rates, loan mix and grade.
| Lender | Grade | HQ | Applications 2025 | Origination rate | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| D. L. Evans Bank | D | Burley, ID | 837 | 69.7% | 15.5% | — |
| DAS Acquisition CompanyDAS Acquisition Company, LLC | B | St. Louis, MO | 9,962 | 75.9% | 2.6% | 6.63% |
| DMB Community Bank | C | Madison, WI | 144 | 70.1% | 8.3% | — |
| DMD FinancialDMD Financial Corporation | – | Dallas, TX | 28 | 0.0% | 0.0% | — |
| Dacotah Bank | B | Aberdeen, SD | 680 | 85.0% | 5.9% | 6.63% |
| Dade County Federal Credit Union | C | Sweetwater, FL | 736 | 40.2% | 34.1% | 5.75% |
| Dairy State Bank | C | Rice Lake, WI | 150 | 73.3% | 19.3% | — |
| Dakota Community Bank & TrustDakota Community Bank & Trust, National Association | B | Hebron, ND | 372 | 79.3% | 4.3% | 6.25% |
| Dakota Heritage Bank | – | Hunter, ND | 66 | 93.9% | 3.0% | — |
| Dakota West Credit Union | – | Watford City, ND | 47 | 17.0% | 36.2% | 7.11% |
| Data MortgageData Mortgage, Inc. | C | Orange, CA | 515 | 62.3% | 8.7% | 6.25% |
| Datcu | F | Corinth, TX | 735 | 49.8% | 26.7% | 7.00% |
| Daviess County Teachers Federal Credit Union | – | Owensboro, KY | 30 | 100.0% | 0.0% | — |
| Day Air Credit UnionDay Air Credit Union, Inc. | D | Kettering, OH | 1,203 | 58.4% | 15.5% | 7.24% |
| Day-Met Credit UnionDay-Met Credit Union, Inc. | A | Dayton, OH | 103 | 100.0% | 0.0% | 6.38% |
| Dayspring Bank | A | Gothenburg, NE | 366 | 83.3% | 5.2% | 6.75% |
| DeMotte State Bank | B | De Motte, | 169 | 82.3% | 11.2% | — |
| Dean Co-operative Bank | C | Franklin, MA | 177 | 67.2% | 12.4% | — |
| Dearborn Federal Savings Bank | – | Dearborn, MI | 108 | 76.9% | 9.3% | 6.38% |
| Decatur County Bank | – | Decaturville, TN | 106 | 74.5% | 18.9% | — |
| Decatur Earthmover Credit Union | C | Forsyth, IL | 156 | 76.3% | 16.0% | 6.15% |
| Dedham Institution for Savings | A | Dedham, MA | 373 | 83.4% | 3.8% | 6.38% |
| Dedicated Community Bank | – | Darlington, SC | 30 | 90.0% | 3.3% | — |
| Deephaven MortgageDeephaven Mortgage LLC | D | Charlotte, NC | 14,124 | 57.1% | 31.2% | 7.50% |
| Deepwater Industries | – | Pennsville Township, NJ | 50 | 100.0% | 0.0% | — |
| Deerwood Bank | A | Baxter, | 1,102 | 85.1% | 4.7% | 7.25% |
| Define Mortgage SolutionsDefine Mortgage Solutions, LLC | – | Phoenix, AZ | 691 | 41.8% | 17.4% | 6.88% |
| Del Norte Credit Union | C | Santa Fe, NM | 462 | 67.5% | 13.6% | 5.88% |
| Del SurDel Sur Corporation | – | San Fernando, CA | 25 | 84.0% | 4.0% | 6.63% |
| Del-One Federal Credit Union | D | Dover, DE | 1,125 | 45.3% | 41.2% | 7.00% |
| Delaware State Police Federal Credit Union | – | Georgetown, DE | 35 | 91.4% | 0.0% | 7.15% |
| Delmar FinancialDelmar Financial Company | A | Saint Louis, MO | 3,136 | 75.2% | 1.3% | 6.50% |
| Delta Bank | B | Vidalia, LA | 243 | 81.1% | 10.7% | — |
| Delta Community Credit Union | C | Atlanta, GA | 6,111 | 52.2% | 26.7% | 7.00% |
| Democracy Federal Credit Union | – | Alexandria, VA | 36 | 58.3% | 19.4% | 7.25% |
| Denali State Bank | A | Fairbanks, AK | 165 | 71.5% | 1.8% | — |
| Denver Fire Department Federal Credit Union | – | Denver, CO | 122 | 53.3% | 11.5% | 7.50% |
| Denver Savings Bank | – | Denver, IA | 79 | 97.5% | 0.0% | — |
| Desco | C | Portsmouth, OH | 409 | 58.9% | 12.7% | 6.50% |
| Deseret First Credit Union | A | West Valley City, UT | 1,058 | 79.3% | 12.9% | 7.50% |
| Desert Financial Credit Union | B | Phoenix, AZ | 16,989 | 62.2% | 24.4% | 6.49% |
| Desjardins BankDesjardins Bank, National Association | – | Hallandale Beach, FL | 96 | 69.8% | 10.4% | — |
| Deutsche Bank Trust Company Americas | – | New York, NY | 69 | 60.9% | 1.5% | — |
| Developer'S MortgageDeveloper'S Mortgage Company | C | Columbus, OH | 709 | 62.3% | 5.9% | 6.75% |
| Devon Bank | C | Chicago, IL | 587 | 56.6% | 4.1% | — |
| Dexsta | B | Wilmington, DE | 186 | 90.9% | 3.2% | 6.75% |
| Dfcu Financial | B | Dearborn, MI | 4,862 | 67.5% | 12.9% | 6.25% |
| Dg Pinnacle FundingDg Pinnacle Funding LLC | C | Miami, FL | 201 | 91.0% | 5.0% | 7.25% |
| Dhi Mortgage CompanyDhi Mortgage Company, Ltd. | B | Arlington, TX | 102,267 | 67.6% | 13.4% | 4.99% |
| Diamond Bank | C | Murfreesboro, AR | 270 | 80.0% | 8.9% | — |
| Diamond Credit Union | B | Pottstown, PA | 1,294 | 65.8% | 27.7% | 6.01% |
| Diamond Lakes Federal Credit Union | – | Malvern, AR | 51 | 100.0% | 0.0% | 6.50% |
| Diamond Residential MortgageDiamond Residential Mortgage Corporation | B | Lake Forest, IL | 1,526 | 79.0% | 3.3% | 6.75% |
| Diamond Valley Federal Credit Union | – | Evansville, IN | 33 | 78.8% | 3.0% | — |
| Dieterich Bank | C | Effingham, IL | 393 | 72.3% | 7.4% | — |
| Digital | D | San Jose, CA | 8,289 | 46.8% | 20.4% | 7.74% |
| Dignified Home LoansDignified Home Loans, LLC | B | Westlake Village, CA | 623 | 78.2% | 0.6% | 6.62% |
| Dime Bank | D | Norwich, CT | 338 | 61.8% | 23.1% | — |
| Dime Community Bank | D | Bridgehampton, NY | 451 | 61.2% | 14.9% | — |
| Direct Federal Credit Union | D | Needham, MA | 737 | 60.4% | 30.7% | — |
| Direct LendersDirect Lenders, LLC | B | Kennesaw, GA | 332 | 69.6% | 3.3% | 6.50% |
| Direct Lending PartnersDirect Lending Partners LLC | – | St Augustine, FL | 79 | 25.3% | 15.2% | 11.50% |
| Direct Mortgage LoansDirect Mortgage Loans, LLC | B | Hunt Valley, MD | 3,579 | 76.9% | 1.8% | 6.63% |
| Direct MortgageDirect Mortgage, Corp. | C | Draper, UT | 513 | 79.3% | 16.0% | 6.50% |
| Direct Rate Home LoansDirect Rate Home Loans, Inc. | B | Cottonwood Heights, UT | 579 | 63.2% | 6.2% | 6.38% |
| Directions Credit UnionDirections Credit Union, Inc. | B | Toledo, OH | 1,141 | 75.8% | 20.0% | 6.88% |
| Directions EquityDirections Equity, LLC | A | San Antonio, TX | 2,561 | 71.9% | 2.5% | 6.25% |
| Directors MortgageDirectors Mortgage, Inc. | B | Lake Oswego, OR | 1,887 | 70.8% | 4.4% | 6.63% |
| Dirigo Federal Credit Union | D | Lewiston, ME | 349 | 68.8% | 19.5% | — |
| Discover Bank | F | Greenwood, DE | 68,974 | 14.1% | 55.0% | 8.68% |
| Discovery Federal Credit Union | D | Wyomissing, PA | 152 | 73.7% | 14.5% | 6.64% |
| Diversified Members | D | Detroit, MI | 189 | 50.8% | 41.3% | 7.20% |
| Dogwood State Bank | – | Raleigh, NC | 80 | 71.3% | 10.0% | — |
| Dollar Bank, Federal Savings Bank | C | Pittsburgh, PA | 7,196 | 68.9% | 20.8% | 6.74% |
| Dominion Capital MortgageDominion Capital Mortgage Inc. | – | Richmond, VA | 45 | 0.0% | 13.3% | — |
| Dominion Energy Credit Union | C | Richmond, VA | 145 | 71.0% | 18.6% | 7.00% |
| Dominion Financial ServicesDominion Financial Services, LLC | A | Baltimore, MD | 4,824 | 54.7% | 0.0% | 7.63% |
| Dort Financial Credit Union | C | Grand Blanc, MI | 1,447 | 59.4% | 14.9% | 6.25% |
| Dover Federal Credit Union | D | Dover, DE | 278 | 51.8% | 35.6% | 6.88% |
| Dow Credit Union | C | Midland, MI | 541 | 60.6% | 7.8% | 7.38% |
| Downeast Credit Union | – | Baileyville, ME | 40 | 62.5% | 32.5% | 7.00% |
| Downey Federal Credit Union | B | Downey, CA | 180 | 47.2% | 21.1% | 5.90% |
| Dragas MortgageDragas Mortgage Company | – | Virginia Beach, VA | 84 | 86.9% | 4.8% | 6.25% |
| Drake Bank | – | Saint Paul, MN | 51 | 88.2% | 7.8% | — |
| Draper and Kramer MortgageDraper and Kramer Mortgage Corp. | – | Westmont, IL | 7,993 | 72.3% | 3.3% | 6.75% |
| Drew Mortgage AssociatesDrew Mortgage Associates, Inc. | B | Shrewsbury, MA | 262 | 87.0% | 4.6% | 6.88% |
| Dsld MortgageDsld Mortgage, LLC | A | Dover, DE | 3,708 | 73.1% | 6.0% | 6.13% |
| Du Trac Community Credit Union | A | Dubuque, IA | 316 | 86.7% | 4.4% | 6.00% |
| DuPage Credit Union | C | Naperville, IL | 992 | 56.3% | 28.6% | 7.50% |
| DuPont Community Federally Insured State-Chartered Credit Union | A | Waynesboro, VA | 1,689 | 78.7% | 12.0% | 7.25% |
| Dugood Federal Credit Union | D | Beaumont, TX | 396 | 66.7% | 17.2% | — |
| Duke University Federal Credit Union | – | Durham, NC | 97 | 60.8% | 18.6% | 7.50% |
| Dundee Bank | B | Omaha, NE | 280 | 83.2% | 4.3% | 6.75% |
| Dupaco Community | A | Dubuque, IA | 3,715 | 74.9% | 15.7% | 7.00% |
| Dutch Point | D | Wethersfield, CT | 236 | 58.9% | 26.3% | 6.75% |
| Dybn FinancialDybn Financial Corp. | A | Melbourne, FL | 330 | 71.2% | 1.2% | 6.38% |
