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 |
|---|---|---|---|---|---|---|
| H E B Credit Union | D | San Antonio, TX | 482 | 45.4% | 21.0% | 6.25% |
| HAR-CO Credit Union | – | Bel Air, MD | 66 | 89.4% | 4.6% | — |
| HEART O' TEXAS Federal Credit Union | – | Waco, TX | 34 | 50.0% | 32.4% | 6.70% |
| HENRICO Federal Credit Union | C | Henrico, VA | 301 | 73.8% | 19.3% | 6.49% |
| HERITAGE GROVE Federal Credit Union | – | Salem, OR | 52 | 80.8% | 17.3% | 6.50% |
| HIGHMARK Federal Credit Union | – | Rapid City, SD | 67 | 100.0% | 0.0% | — |
| HNB National Bank | B | Hannibal, MO | 499 | 87.4% | 6.2% | 7.00% |
| HOMETOWN Credit Union | – | Kulm, ND | 45 | 100.0% | 0.0% | 6.45% |
| HONDA Federal Credit Union | F | Torrance, CA | 765 | 54.9% | 21.3% | 7.25% |
| HOPEWELL Federal Credit Union | D | Heath, OH | 182 | 67.0% | 21.4% | 7.50% |
| HORIZON Federal Credit Union | D | Williamsport, PA | 200 | 53.0% | 15.0% | 6.75% |
| HORIZON UTAH Federal Credit Union | – | Farmington, UT | 29 | 51.7% | 34.5% | 7.50% |
| HQ MortgageHQ Mortgage LLC | – | Mount Pleasant, SC | 62 | 72.6% | 3.2% | 6.38% |
| HSBC Bank USAHSBC Bank USA, National Association | B | Mclean, VA | 4,645 | 66.0% | 7.0% | 5.95% |
| HTLF Bank | – | Denver, CO | 1,799 | 50.8% | 40.4% | 5.30% |
| Habib American Bank | – | New York, NY | 95 | 100.0% | 0.0% | — |
| Habitfactory USAHabitfactory USA, Inc. | – | Los Angeles, CA | 98 | 96.9% | 0.0% | 6.88% |
| Haddon Savings Bank | B | Haddon Heights, NJ | 111 | 81.1% | 7.2% | — |
| Hallmark Home MortgageHallmark Home Mortgage, LLC | – | Fort Wayne, IN | 3,367 | 78.4% | 4.5% | 6.99% |
| Hamilton MortgageHamilton Mortgage Corporation | B | Montgomery, AL | 506 | 80.2% | 1.6% | 6.25% |
| Hancock County Savings Bank, FSBHancock County Savings Bank, FSB, Inc. | C | Chester, WV | 632 | 66.9% | 15.4% | 6.38% |
| Hancock Whitney Bank | B | Gulfport, MS | 5,969 | 62.3% | 21.9% | 6.00% |
| Hanmi Bank | C | Los Angeles, CA | 117 | 80.3% | 5.1% | — |
| Hanover Community Bank | C | Mineola, NY | 510 | 73.3% | 11.2% | 6.38% |
| Hanscom Federal Credit Union | B | Hanscom Afb, MA | 1,475 | 60.0% | 15.1% | 7.00% |
| Hapo Community Credit Union | D | Richland, WA | 671 | 50.7% | 21.6% | 7.38% |
| Harbor Pointe Credit Union | A | Duluth, MN | 106 | 97.2% | 0.9% | — |
| HarborOne Bank | C | Brockton, MA | 767 | 40.7% | 45.6% | 6.74% |
| Harborone MortgageHarborone Mortgage, LLC | B | Brockton, MA | 1,915 | 72.4% | 7.5% | 6.50% |
| Harborstone | F | Lakewood, WA | 701 | 49.2% | 37.4% | 7.75% |
| Harford Bank | – | Aberdeen, MD | 97 | 69.1% | 22.7% | — |
| Harleysville Bank | B | Harleysville, PA | 190 | 81.1% | 9.5% | — |
| Harmony Bank | – | Dallas, TX | 70 | 65.7% | 15.7% | — |
| Harmony Home LendingHarmony Home Lending, LLC | – | Fort Collins, CO | 125 | 77.6% | 0.8% | 5.75% |
| Harris County Federal Credit Union | – | Houston, TX | 91 | 49.5% | 23.1% | 7.19% |
| Hartford Federal Credit Union | D | Hartford, CT | 124 | 60.5% | 25.0% | 6.00% |
| Hartford FundingHartford Funding, Ltd. | D | Woodbury, NY | 956 | 56.4% | 10.3% | 6.88% |
| Harvest Bank | – | Kimball, MN | 60 | 98.3% | 0.0% | — |
| Harvesters Federal Credit Union | – | Cantonment, FL | 41 | 80.5% | 9.8% | 6.88% |
| Hatboro Federal Savings, FA | A | Hatboro, PA | 247 | 88.7% | 2.4% | — |
| Havard Federal Credit Union | B | Cambridge, MA | 495 | 77.2% | 8.5% | 6.99% |
| Haven Savings Bank | – | Hoboken, | 29 | 65.5% | 0.0% | — |
| Haverhill Bank | – | Haverhill, MA | 90 | 76.7% | 11.1% | — |
| Hawaii National Bank | – | Honolulu, HI | 26 | 76.9% | 0.0% | — |
| Hawaii State Federal Credit Union | C | Honolulu, HI | 1,419 | 59.7% | 30.0% | 5.90% |
| Hawaiian Financial Federal Credit Union | A | Honolulu, HI | 126 | 99.2% | 0.0% | 6.13% |
| Hawaiiusa Federal Credit Union | C | Honolulu, HI | 1,834 | 42.4% | 38.1% | 5.65% |
| Hawthorn Bank | A | Jefferson City, MO | 595 | 73.3% | 16.8% | 6.75% |
| Health Advantage Federal Credit Union | – | Saginaw, MI | 77 | 90.9% | 2.6% | 6.25% |
| HealthCare Associates Credit Union | D | Naperville, IL | 275 | 54.9% | 32.0% | — |
| Healthcare Employees | A | Princeton, NJ | 109 | 98.2% | 1.8% | 5.74% |
| Hearthside BankHearthside Bank Corporation | C | Middlesboro, KY | 252 | 68.7% | 9.5% | — |
| Heartland | A | Springfield, IL | 493 | 80.1% | 7.5% | 7.00% |
| Heartland Bank | – | Geneva, NE | 84 | 86.9% | 4.8% | — |
| Heartland Bank | – | Whitehall, OH | 1,008 | 69.8% | 14.1% | 7.75% |
| Heartland Bank and TrustHeartland Bank and Trust Company | D | Bloomington, IL | 1,301 | 70.6% | 16.0% | 7.25% |
| Heartland Credit Union | C | Inver Grove Heigths, MN | 160 | 70.0% | 10.0% | 7.39% |
| Heartland Credit Union | D | Hutchinson, KS | 1,095 | 54.5% | 9.6% | 6.99% |
| Heartland Credit Union (Madison) | B | Madison, WI | 656 | 69.5% | 8.4% | 6.99% |
| Heartland National Bank | – | Sebring, FL | 164 | 58.5% | 20.1% | — |
| Hebron Savings Bank | – | Salisbury, MD | 78 | 60.3% | 11.5% | — |
| Helm Bank USA | C | Miami, FL | 207 | 78.7% | 6.3% | — |
| Henderson Federal Savings Bank | – | Henderson, TX | 51 | 78.4% | 3.9% | — |
| Hendricks County Bank and TrustHendricks County Bank and Trust Company | – | Brownsburg, IN | 75 | 73.3% | 10.7% | — |
| Heritage Bank | A | Topeka, KS | 111 | 98.2% | 0.0% | — |
| Heritage Bank | B | Wood River, NE | 112 | 83.0% | 5.4% | — |
| Heritage Bank | D | Olympia, WA | 645 | 57.7% | 35.2% | 7.74% |
| Heritage Bank & Trust | C | Columbia, TN | 131 | 74.8% | 11.5% | — |
| Heritage Bank Minnesota | – | West Concord, MN | 53 | 100.0% | 0.0% | — |
| Heritage BankHeritage Bank National Association | C | Spicer, MN | 376 | 61.7% | 8.5% | — |
| Heritage Bank of Commerce | – | San Jose, | 30 | 80.0% | 3.3% | — |
| Heritage Bank of St Tammany | – | Covington, LA | 73 | 80.8% | 6.9% | — |
| Heritage BankHeritage Bank, Inc. | C | Burlington, KY | 427 | 73.3% | 19.7% | — |
| Heritage Community Bank | A | Union, MO | 225 | 95.6% | 1.3% | — |
| Heritage Community Credit Union | D | Fair Oaks, CA | 121 | 69.4% | 17.4% | 7.25% |
| Heritage Federal Credit Union | D | Newburgh, IN | 908 | 67.4% | 19.2% | 7.13% |
| Heritage Financial Credit Union | C | Middletown, NY | 507 | 87.0% | 13.0% | 7.00% |
| Heritage MortgageHeritage Mortgage, LLC | A | Madison, AL | 1,245 | 77.3% | 1.0% | 5.99% |
| Heritage South Community CU | C | Shelbyville, TN | 151 | 74.8% | 13.9% | 8.27% |
| Heritage South Credit Union | – | Sylacauga, AL | 58 | 69.0% | 15.5% | 7.00% |
| Heritage Valley | C | York, PA | 227 | 78.0% | 15.0% | 6.49% |
| Herring Bank | B | Amarillo, TX | 123 | 75.6% | 2.4% | — |
| Hershey Federal Credit Union | – | Harrisburg, PA | 88 | 95.5% | 3.4% | 7.50% |
| Hfg HoldingsHfg Holdings, LLC | F | Troy, MI | 1,434 | 0.0% | 27.0% | — |
| Hiawatha Bank and TrustHiawatha Bank and Trust Company | – | Hiawatha, IA | 45 | 91.1% | 2.2% | — |
| Hiawatha National Bank | A | Hager City, WI | 140 | 92.9% | 2.1% | — |
| Hickam Federal Credit Union | B | Pearl City, HI | 181 | 65.8% | 31.5% | 7.68% |
| Hickory Point Bank and Trust | B | Decatur, IL | 306 | 77.8% | 4.9% | — |
| High Country Bank | A | Salida, CO | 219 | 80.4% | 5.5% | 6.25% |
| High Plains Bank | – | Flagler, CO | 41 | 70.7% | 12.2% | — |
| Highland Bank | C | Saint Paul, MN | 489 | 72.0% | 14.1% | — |
| Highland HomeloansHighland Homeloans, LLC | A | Plano, TX | 456 | 85.8% | 3.1% | 5.49% |
| Highlands Residential MortgageHighlands Residential Mortgage, Ltd. | B | Allen, TX | 9,523 | 73.9% | 1.8% | 6.63% |
| Highpoint Community Bank | – | Hastings, MI | 102 | 94.1% | 1.0% | — |
| HightechlendingHightechlending Inc. | B | Irvine, CA | 1,453 | 67.1% | 3.3% | 6.50% |
| Hills Bank and TrustHills Bank and Trust Company | A | Hills, IA | 3,438 | 83.7% | 6.2% | 6.25% |
| Hilltop National Bank | B | Casper, WY | 264 | 83.3% | 3.4% | — |
| Hilton FinancialHilton Financial Corporation | – | Phoenix, AZ | 67 | 76.1% | 1.5% | 12.00% |
| Hingham Institution for Savings, The | D | Hingham, MA | 152 | 77.6% | 10.5% | — |
| Hinsdale Bank & TrustHinsdale Bank & Trust Company | A | Hinsdale, IL | 187 | 82.9% | 3.2% | — |
| Hiway Credit Union | – | St Paul, MN | 1,522 | 70.9% | 8.8% | 7.00% |
| Hnb First Bank | C | Headland, AL | 113 | 71.7% | 13.3% | — |
| Holcomb Bank | B | Rochelle, IL | 180 | 82.2% | 4.4% | — |
| Holmes County Bank | – | Lexington, MS | 58 | 74.1% | 12.1% | — |
| Holy Rosary Regional Credit Union | A | Rochester, NH | 407 | 73.2% | 8.9% | 6.50% |
| Holyoke Credit Union | D | Holyoke, MA | 154 | 61.7% | 20.1% | — |
| Home Access FinancialHome Access Financial, LLC | B | Tampa, FL | 145 | 71.0% | 1.4% | 6.75% |
| Home Approvals DirectHome Approvals Direct, Inc. | – | Valencia, CA | 357 | 56.9% | 0.0% | 6.88% |
| Home Bank SB | C | Martinsville, IN | 222 | 70.7% | 8.6% | — |
| Home Bank and TrustHome Bank and Trust Company | A | Eureka, KS | 162 | 83.3% | 2.5% | 6.88% |
| Home BankHome Bank, National Association | B | Lafayette, LA | 401 | 70.3% | 8.5% | 7.06% |
| Home Federal Bank | B | Shreveport, LA | 207 | 95.2% | 3.9% | 6.75% |
| Home Federal Bank of Tennessee | B | Knoxville, TN | 979 | 84.5% | 5.9% | 5.99% |
| Home Federal Savings Bank | – | Rochester, MN | 756 | 78.0% | 9.9% | 6.38% |
| Home Federal Savings and Loan Association of Grand Island | B | Grand Island, NE | 266 | 80.1% | 8.7% | 6.88% |
| Home Federal Savings and Loan Association of Niles | – | Niles, OH | 50 | 98.0% | 0.0% | 6.63% |
| Home Financing CenterHome Financing Center, Inc. | – | Coral Gables, FL | 90 | 93.3% | 3.3% | 6.88% |
| Home Financing UnlimitedHome Financing Unlimited, Inc. | B | Austin, TX | 400 | 70.0% | 6.0% | 5.88% |
| Home Loan Investment BankHome Loan Investment Bank, F.S.B. | F | Warwick, RI | 1,196 | 48.6% | 20.1% | 6.99% |
| Home Mortgage Alliance Corporation (HMAC) | F | Santa Ana, CA | 3,885 | 50.5% | 18.4% | 7.38% |
| Home Mortgage AllianceHome Mortgage Alliance, LLC | – | Wilmington, CO | 56 | 69.6% | 5.4% | 6.25% |
| Home Mortgage BankersHome Mortgage Bankers Corp. | C | Carolina, | 679 | 72.6% | 0.3% | 6.50% |
| Home Solution LendersHome Solution Lenders Inc. | – | Bartow, FL | 673 | 88.0% | 2.1% | 5.99% |
| Home State Bank | – | Jefferson, IA | 88 | 88.6% | 5.7% | — |
| Home State BankHome State Bank, National Association | B | Crystal Lake, IL | 635 | 87.6% | 5.0% | 6.50% |
| Home Town FundingHome Town Funding, Inc. | A | Pittsford, NY | 1,239 | 88.5% | 2.3% | 6.75% |
| HomeBank | A | Palmyra, MO | 249 | 91.2% | 0.8% | — |
| HomeBank Texas | – | Seagoville, TX | 84 | 69.1% | 11.9% | — |
| HomePride Bank | – | Mansfield, MO | 65 | 87.7% | 6.2% | — |
| HomePromiseHomePromise Corporation | F | Fairfax, VA | 1,334 | 5.6% | 48.0% | 7.13% |
| HomeStreet Bank | C | Seattle, WA | 1,623 | 65.4% | 14.7% | 7.75% |
| HomeTown Bank | B | Carver, MN | 372 | 85.5% | 3.8% | 6.75% |
| HomeTown BankHomeTown Bank, National Association | D | Galveston, TX | 116 | 57.8% | 19.0% | — |
| HomeTrust Bank | C | Asheville, NC | 2,934 | 65.6% | 21.3% | 7.50% |
| Homeamerican MortgageHomeamerican Mortgage Corporation | A | Denver, CO | 6,819 | 78.5% | 8.5% | 4.50% |
| Homebridge Financial ServicesHomebridge Financial Services, Inc. | B | Iselin, NJ | 25,005 | 69.2% | 16.2% | 10.04% |
| Homefield | – | North Grafton, MA | 33 | 54.6% | 9.1% | — |
| Homeland BancsharesHomeland Bancshares, Inc. | B | Columbia, LA | 367 | 82.0% | 4.9% | — |
| Homeland Community Bank | B | Mcminnville, TN | 145 | 85.5% | 11.7% | — |
| Homeland Credit UnionHomeland Credit Union, Inc. | – | Chillicothe, OH | 37 | 59.5% | 29.7% | 6.75% |
| Homeland MortgageHomeland Mortgage Company | A | Westmont, IL | 300 | 100.0% | 0.0% | 6.13% |
| Homeowners Financial Group USAHomeowners Financial Group USA, LLC | B | Scottadale, AZ | 5,312 | 71.2% | 3.6% | 6.50% |
| Homesale MortgageHomesale Mortgage, LLC | B | Lancaster, PA | 619 | 87.9% | 4.7% | 6.75% |
| Homeservices LendingHomeservices Lending, LLC | B | Urbandale, IA | 645 | 83.6% | 2.8% | 6.50% |
| Homesite MortgageHomesite Mortgage, LLC | – | Rochester, MI | 72 | 61.1% | 5.6% | 6.63% |
| Homespire MortgageHomespire Mortgage Corporation | – | Gaithersburg, MD | 2,806 | 77.3% | 3.9% | 6.63% |
| Homestar FinancialHomestar Financial Corporation | – | Gainesville, GA | 5,748 | 66.8% | 18.1% | 6.63% |
| Homestead FundingHomestead Funding Corp. | A | Albany, NY | 6,908 | 82.1% | 2.1% | 6.49% |
| Homestead Savings Bank | – | Albion, MI | 57 | 56.1% | 15.8% | — |
| Hometown Bank | – | Kent, OH | 27 | 88.9% | 3.7% | — |
| Hometown Bank of Pennsylvania | C | Bedford, PA | 222 | 72.1% | 16.2% | — |
| Hometown Equity MortgageHometown Equity Mortgage, LLC | C | Lake Forest, CA | 14,901 | 50.6% | 45.3% | 7.25% |
| Hometown National Bank | – | La Salle, IL | 27 | 88.9% | 3.7% | — |
| Hometrust MortgageHometrust Mortgage Company | D | Houston, TX | 1,413 | 53.2% | 10.0% | 6.63% |
| Homeway MortgageHomeway Mortgage LLC | – | Katy, TX | 40 | 80.0% | 7.5% | 6.56% |
| Homexpress MortgageHomexpress Mortgage Corp. | C | Santa Ana, CA | 14,381 | 55.5% | 42.7% | 7.38% |
| Honor Bank | – | Honor, MI | 128 | 62.5% | 6.3% | — |
| Honor Credit Union | D | Berrien Springs, MI | 2,499 | 63.5% | 19.1% | 7.25% |
| Hoosier Heartland State Bank | – | Crawfordsville, IN | 101 | 75.3% | 6.9% | — |
| Hoosier Hills Credit Union | C | Bedford, IN | 956 | 70.4% | 17.7% | 7.50% |
| Hope Federal Credit Union | D | Jackson, MS | 921 | 67.6% | 31.4% | 7.00% |
| Horatio State Bank | B | Horatio, AR | 190 | 85.3% | 8.4% | — |
| Horicon Bank | B | Horicon, WI | 527 | 80.5% | 6.3% | 6.75% |
| Horizon Bank | A | Michigan City, IN | 4,059 | 68.9% | 21.2% | 6.00% |
| Horizon BankHorizon Bank, SSB | – | Austin, TX | 32 | 71.9% | 0.0% | — |
| Horizon Farm Credit, ACA | B | Mechanicsburg, PA | 559 | 86.1% | 5.6% | 6.80% |
| Horizon Federally Insured State-Chartered Credit Union | C | Spokane Valley, WA | 1,124 | 53.6% | 32.0% | 2.99% |
| Houghton State Bank | – | Red Oak, IA | 46 | 97.8% | 2.2% | — |
| Houston Federal Credit Union | D | Sugar Land, TX | 181 | 47.0% | 23.2% | 6.75% |
| Houston Police | C | Houston, TX | 223 | 66.4% | 8.5% | 7.00% |
| Houston Texas Fire Fighters | F | Houston, TX | 131 | 45.0% | 39.7% | — |
| Howard Hanna Financial ServicesHoward Hanna Financial Services, Inc. | A | Pittsburgh, PA | 5,509 | 81.2% | 1.2% | 6.63% |
| Hoyne Savings Bank | – | Chicago, IL | 56 | 87.5% | 1.8% | — |
| Hr MortgageHr Mortgage Corp. | D | Caguas, | 703 | 73.8% | 20.8% | 6.25% |
| Hudson River Community | C | Corinth, NY | 405 | 41.0% | 36.3% | 6.28% |
| Hudson Valley Credit Union | B | Poughkeepsie, NY | 6,767 | 55.0% | 25.5% | 4.50% |
| Hughes Federal Credit Union | D | Tucson, AZ | 696 | 43.3% | 24.9% | 8.50% |
| Hunt MortgageHunt Mortgage Corporation | B | Buffalo, NY | 1,471 | 78.4% | 4.8% | 6.63% |
| Huntingdon Valley Bank | – | Doylestown, PA | 438 | 79.9% | 7.3% | 6.50% |
| Huntington Federal Savings Bank | C | Huntington, WV | 280 | 71.1% | 7.5% | — |
| Hurst Real EstateHurst Real Estate, Inc. | – | Dallas, TX | 27 | 100.0% | 0.0% | 9.99% |
| Hyperion Bank | – | Philadelphia, PA | 73 | 91.8% | 0.0% | — |
