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 |
|---|---|---|---|---|---|---|
| E.m.i. Equity MortgageE.m.i. Equity Mortgage, Inc. | A | San Juan, | 273 | 86.8% | 0.7% | — |
| EAST IDAHO Credit Union | B | Idaho Falls, ID | 223 | 72.2% | 9.0% | 6.23% |
| EAST TEXAS PROFESSIONAL Credit Union | D | Longview, TX | 597 | 54.3% | 17.1% | 6.88% |
| ENT Credit Union | B | Colorado Springs, CO | 13,239 | 65.8% | 20.9% | 7.50% |
| ESB Bank | – | Caledonia, MN | 82 | 98.8% | 0.0% | — |
| ESB Financial | A | Emporia, KS | 136 | 97.1% | 1.5% | 6.75% |
| ESL Federal Credit Union | B | Rochester, NY | 7,843 | 70.5% | 17.7% | 4.50% |
| ESSA Bank & Trust | C | Stroudsburg, PA | 378 | 75.9% | 11.6% | 6.95% |
| EVANSVILLE Federal Credit Union | – | Evansville, IN | 38 | 73.7% | 23.7% | 6.56% |
| EXCITE Credit Union | – | San Jose, CA | 52 | 55.8% | 19.2% | 6.13% |
| Eagle Bank | – | Peabody, MA | 105 | 54.3% | 13.3% | — |
| Eagle Bank and TrustEagle Bank and Trust Company | A | Little Rock, AR | 2,620 | 77.5% | 4.0% | 6.50% |
| Eagle Community Credit Union | D | Foothill Ranch, CA | 1,373 | 39.0% | 22.1% | 9.08% |
| Eagle One Federal Credit Union | – | Claymont, DE | 62 | 37.1% | 38.7% | 6.75% |
| Eagle Rock Bank | – | Rochester, MN | 47 | 95.7% | 0.0% | — |
| Eagle.bank | – | Cincinnati, OH | 243 | 87.7% | 0.8% | 6.50% |
| Earlham Savings Bank | – | West Des Moines, IA | 82 | 76.8% | 12.2% | — |
| East Cambridge Savings Bank | B | Cambridge, MA | 209 | 85.2% | 5.3% | — |
| East Coast CapitalEast Coast Capital Corp. | C | Melville, NY | 2,628 | 61.0% | 4.6% | 6.88% |
| East West Bank | B | Pasadena, CA | 7,455 | 71.5% | 9.7% | 6.50% |
| East Wisconsin Savings Bank | B | Kaukauna, WI | 266 | 73.7% | 5.6% | — |
| Eastern Bank | B | Boston, MA | 6,794 | 58.4% | 31.7% | 6.99% |
| Eastern Connecticut Savings Bank | – | Norwich, CT | 38 | 68.4% | 18.4% | — |
| Eastern Michigan Bank | – | Croswell, MI | 50 | 86.0% | 14.0% | — |
| Eastman Credit Union | D | Kingsport, TN | 6,548 | 61.5% | 23.2% | 7.25% |
| Eastrise Federal Credit Union | A | Williston, VT | 3,686 | 74.3% | 5.0% | 6.50% |
| Eastside FundingEastside Funding LLC | B | Kirkland, WA | 800 | 72.1% | 1.3% | 12.00% |
| Easy Street CapitalEasy Street Capital, LLC | A | Austin, TX | 2,409 | 100.0% | 0.0% | 9.90% |
| Eaton Community Bank | D | Charlotte, MI | 185 | 64.9% | 13.5% | — |
| Eclipse BankEclipse Bank, Inc. | – | Louisville, KY | 122 | 68.9% | 6.6% | — |
| Eco Credit Union | – | Birmingham, AL | 91 | 100.0% | 0.0% | 7.25% |
| Edmonton State Bank | C | Glasgow, KY | 730 | 71.2% | 13.6% | — |
| Education Credit Union | B | Amarillo, TX | 307 | 86.3% | 1.6% | 7.00% |
| Education First | F | Beaumont, TX | 237 | 24.5% | 41.4% | — |
| Education First Credit UnionEducation First Credit Union, Inc. | B | Columbus, OH | 161 | 75.2% | 3.7% | 7.50% |
| Educational Community Alliance Credit UnionEducational Community Alliance Credit Union, Inc. | – | Toledo, OH | 46 | 100.0% | 0.0% | — |
| Educational Employees Credit Union | C | Fresno, CA | 2,365 | 40.5% | 50.1% | 6.50% |
| Educational Federal Credit Union | F | Miami, FL | 638 | 49.8% | 35.9% | 7.09% |
| Educational Systems | C | Greenbelt, MD | 1,482 | 46.3% | 39.7% | 4.99% |
| Educators Credit Union | B | Mount Pleasant, WI | 5,470 | 60.0% | 22.6% | 6.88% |
| Educators Credit Union | – | Waco, TX | 38 | 100.0% | 0.0% | — |
| Edwards Federal Credit Union | – | Edwards, CA | 27 | 100.0% | 0.0% | 7.25% |
| Eecu | C | Fort Worth, TX | 1,969 | 51.4% | 38.1% | 7.25% |
| Efcu Financial | D | Baton Rouge, LA | 800 | 65.1% | 22.3% | — |
| Efinity FinancialEfinity Financial Inc. | D | Bedford, TX | 1,799 | 69.0% | 7.3% | 6.63% |
| Eglin Credit Union | B | Fort Walton Beach, FL | 275 | 79.6% | 8.0% | — |
| El Dorado Savings BankEl Dorado Savings Bank, F.S.B. | D | Placerville, CA | 432 | 63.7% | 16.7% | — |
| Elderton State Bank | C | Elderton, PA | 188 | 80.9% | 13.8% | — |
| Electro Savings Credit Union | – | Saint Louis, MO | 208 | 60.6% | 18.8% | 8.50% |
| Elements Financial Federal Credit Union | B | Indianapolis, IN | 1,994 | 70.7% | 13.4% | 6.13% |
| Elevations | C | Boulder, CO | 4,432 | 66.8% | 10.9% | 6.88% |
| Elga Credit Union | D | Grand Blanc, MI | 773 | 69.5% | 17.1% | 8.24% |
| Elizabethton Federal Savings Bank | A | Elizabethton, TN | 139 | 93.5% | 0.7% | — |
| Ely Area Credit Union | – | Ely, MN | 40 | 85.0% | 7.5% | — |
| Embassy Bank For The Lehigh Valley | B | Bethlehem, PA | 1,072 | 76.1% | 15.3% | 6.25% |
| Emblem Credit Union | C | Gadsden, AL | 457 | 56.9% | 28.0% | 7.13% |
| Embold Federal Credit Union | C | Oak Grove, OR | 468 | 63.7% | 20.1% | 7.74% |
| Embrace Home LoansEmbrace Home Loans, Inc. | A | Middletown, RI | 5,973 | 75.2% | 5.2% | 6.50% |
| Emery Federal Credit Union | – | Cincinnati, OH | 72 | 75.0% | 8.3% | — |
| Emet Lending GroupEmet Lending Group, Inc. | A | Brea, CA | 2,025 | 67.4% | 0.0% | 7.00% |
| Emigrant Bank | – | Miami, FL | 91 | 59.3% | 14.3% | — |
| Emigrant FundingEmigrant Funding Corporation | – | New York, NY | 96 | 62.5% | 27.1% | 7.00% |
| Emm LoansEmm Loans LLC | B | Cherry Hill, NJ | 8,399 | 78.0% | 4.1% | 6.50% |
| Empeople Credit Union | C | Moline, IL | 3,556 | 60.9% | 21.3% | 6.49% |
| Empire State Bank | – | Newburgh, NY | 35 | 80.0% | 5.7% | — |
| Emporium TPOEmporium TPO LLC | C | Newark, DE | 4,550 | 65.2% | 8.1% | 7.25% |
| Empower Credit Union | – | West Allis, WI | 49 | 51.0% | 10.2% | 6.88% |
| Empower Federal Credit Union | B | Syracuse, NY | 4,317 | 72.5% | 15.5% | 7.25% |
| Emprise Bank | D | Wichita, KS | 1,073 | 57.5% | 31.7% | 7.70% |
| Encompass Federal Credit Union | B | Tipton, IN | 102 | 87.3% | 6.9% | — |
| Encompass Lending GroupEncompass Lending Group, LP | C | Katy, TX | 1,048 | 68.7% | 4.2% | 6.63% |
| Encore Bank | C | Little Rock, AR | 862 | 61.4% | 15.2% | 6.50% |
| Endeavor Capital, LLC. | C | Chesterfield, MO | 3,061 | 65.1% | 3.5% | 6.50% |
| Energy Capital Credit Union | – | Houston, TX | 138 | 45.7% | 23.2% | 7.75% |
| Energy Credit Union | – | West Roxbury, MA | 50 | 72.0% | 14.0% | — |
| Ennis State Bank | – | Ennis, TX | 100 | 52.0% | 23.0% | — |
| EnnkarEnnkar, Inc. | C | Orange, CA | 245 | 60.4% | 5.3% | 6.38% |
| Enrichment | B | Oak Ridge, TN | 206 | 80.6% | 3.9% | 6.38% |
| Enterprise Bank & Trust | D | Clayton, MO | 292 | 63.7% | 19.5% | — |
| Enterprise Bank and TrustEnterprise Bank and Trust Company | B | Lowell, MA | 224 | 74.1% | 2.2% | 6.68% |
| Enterprise Bank of Sc | B | Ehrhardt, SC | 125 | 81.6% | 6.4% | — |
| Envision Credit Union | – | Tallahassee, FL | 136 | 37.5% | 32.4% | 6.99% |
| Envista Credit Union | C | Topeka, KS | 1,042 | 68.4% | 19.8% | 6.90% |
| Envoy MortgageEnvoy Mortgage, Ltd. | D | Houston, TX | 9,727 | 56.6% | 16.7% | 6.63% |
| Equitable Bank | B | Grand Island, NE | 246 | 84.2% | 6.5% | — |
| Equitable Savings and Loan Association | D | Sterling, CO | 127 | 68.5% | 18.1% | — |
| Equity Bank | A | Wichita, KS | 1,755 | 72.3% | 16.4% | 7.26% |
| Equity Prime MortgageEquity Prime Mortgage LLC | D | Atlanta, GA | 28,388 | 42.6% | 10.4% | 6.63% |
| Equity ResourcesEquity Resources, Inc. | C | Newark, OH | 4,176 | 69.9% | 7.4% | 6.63% |
| Equity Wave LendingEquity Wave Lending, Inc. | D | Irvine, CA | 375 | 62.4% | 16.5% | 11.99% |
| Erie Federal Credit Union | C | Erie, PA | 666 | 62.3% | 26.6% | 6.25% |
| Essential | – | Baton Rouge, LA | 99 | 79.8% | 8.1% | 7.50% |
| Essential Mortgage PartnersEssential Mortgage Partners, LLC | – | Kenner, LA | 272 | 64.0% | 5.5% | 6.63% |
| Essex Savings Bank | – | Essex, CT | 81 | 71.6% | 8.6% | — |
| Eureka Homestead | – | Metairie, LA | 33 | 69.7% | 3.0% | 6.88% |
| Eureka Savings Bank | B | La Salle, IL | 158 | 84.8% | 7.0% | — |
| Eustis MortgageEustis Mortgage Corporation | B | New Orleans, LA | 4,019 | 78.3% | 1.6% | 6.50% |
| EvaBank | F | Cullman, AL | 348 | 51.7% | 19.5% | — |
| Evans BankEvans Bank, National Association | C | Williamsville, NY | 154 | 67.5% | 18.8% | 6.75% |
| Everence Federal Credit Union | C | Lancaster, PA | 448 | 62.5% | 27.5% | 5.49% |
| Everett Co-operative Bank | B | Everett, MA | 240 | 83.3% | 5.4% | — |
| Everett FinancialEverett Financial, Inc. | C | Dallas, | 28,292 | 57.2% | 5.7% | 6.75% |
| Evergreen Bank Group | F | Oak Brook, IL | 361 | 48.5% | 29.9% | — |
| Evergreen Credit Union | – | Neenah, WI | 37 | 94.6% | 0.0% | — |
| Evergreen Credit Union | D | Portland, ME | 978 | 55.6% | 30.6% | 6.50% |
| Evergreen Federal Bank | C | Grants Pass, OR | 176 | 83.0% | 8.0% | — |
| Evergreen Moneysource MortgageEvergreen Moneysource Mortgage Company | B | Bellevue, WA | 7,542 | 73.9% | 1.2% | 6.63% |
| Evergreen National Bank | – | Evergreen, CO | 26 | 65.4% | 11.5% | — |
| Everwise Credit Union | C | South Bend, IN | 3,687 | 64.7% | 18.6% | 7.50% |
| Evo Home LoansEvo Home Loans, LLC | C | Scottsdale, AZ | 434 | 62.4% | 6.5% | 6.88% |
| Evolve Bank & Trust | C | Memphis, TN | 667 | 71.5% | 8.4% | 6.63% |
| Exchange Bank | A | Kearney, NE | 651 | 86.2% | 3.2% | 7.25% |
| Exchange Bank | C | Milledgeville, GA | 131 | 72.5% | 10.7% | — |
| Exchange Bank | – | Santa Rosa, CA | 67 | 52.2% | 19.4% | — |
| Exchange Bank & Trust | B | Atchison, KS | 143 | 80.4% | 10.5% | — |
| Exchange Bank of Missouri | B | Fayette, MO | 231 | 83.6% | 7.4% | — |
| Exchange State Bank | – | Ames, IA | 56 | 96.4% | 1.8% | — |
| Expedition Credit Union | – | Mendota Heights, MN | 108 | 63.0% | 13.9% | 7.50% |
| Extra | – | Warren, MI | 119 | 47.9% | 26.9% | 7.25% |
| Extraco BanksExtraco Banks, National Association | C | Waco, TX | 487 | 70.2% | 10.5% | 6.50% |
| Ez FundingsEz Fundings Inc. | B | Rancho Cucamonga, CA | 517 | 77.6% | 0.2% | 6.49% |
| encurage financial network | – | Chicago, IL | 42 | 66.7% | 0.0% | 8.06% |
