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 |
|---|---|---|---|---|---|---|
| J. VirgilJ. Virgil, Inc. | B | Palm Beach Gardens, FL | 1,067 | 77.9% | 1.7% | 6.63% |
| JEANNE D'ARC Credit Union | B | Lowell, MA | 1,065 | 78.6% | 11.6% | 6.50% |
| JPMorgan Chase BankJPMorgan Chase Bank, National Association | B | Columbus, OH | 152,415 | 61.8% | 10.4% | 6.38% |
| JSC Federal Credit Union | C | Houston, TX | 1,831 | 41.2% | 24.6% | 6.25% |
| JUSTICE Federal Credit Union | C | Chantilly, VA | 774 | 54.9% | 11.2% | 7.25% |
| Jackson County Bank | B | Seymour, IN | 900 | 76.1% | 10.8% | 6.49% |
| Jams-01Jams-01, Inc. | A | Fairfax, VA | 497 | 87.9% | 0.4% | 6.50% |
| Jarrettsville Federal Savings and Loan Association | – | Baltimore, MD | 33 | 84.9% | 0.0% | — |
| Jayco Premium Finance of CaliforniaJayco Premium Finance of California, Inc. | – | Costa Mesa, CA | 42 | 100.0% | 0.0% | 12.00% |
| Jd BancsharesJd Bancshares, Inc. | D | Jennings, LA | 254 | 66.9% | 16.5% | — |
| Jeff Bank | F | Jeffersonville, NY | 197 | 41.6% | 31.5% | — |
| Jefferson Bank | B | San Antonio, TX | 579 | 77.2% | 6.9% | 6.75% |
| Jefferson Financial Federal Credit Union | – | Metairie, LA | 77 | 52.0% | 20.8% | 5.75% |
| Jefferson Security Bank | C | Shepherdstown, WV | 186 | 72.6% | 9.1% | — |
| Jersey Mortgage Company of New JerseyJersey Mortgage Company of New Jersey, Inc. | – | Cranford, NJ | 228 | 57.9% | 18.0% | 7.13% |
| Jersey Shore | C | Northfield, NJ | 214 | 72.0% | 18.7% | — |
| Jersey Shore State Bank | A | Williamsport, PA | 939 | 85.6% | 5.0% | 5.49% |
| Jersey State Bank | – | Jerseyville, IL | 35 | 82.9% | 2.9% | 7.00% |
| Jet Direct FundingJet Direct Funding Corp. | C | Bay Shore, NY | 726 | 67.2% | 7.2% | 6.81% |
| Jet HomeloansJet Homeloans, LP | A | Jacksonville, FL | 8,280 | 63.9% | 4.2% | 4.99% |
| Jewett City Savings Bank | F | Jewett City, CT | 139 | 51.1% | 30.9% | — |
| Jim Thorpe Neighborhood Bank | – | Jim Thorpe, PA | 76 | 90.8% | 4.0% | — |
| JlbJlb Corporation | C | Saint Louis, MO | 1,176 | 77.5% | 5.0% | 6.25% |
| Jmac LendingJmac Lending, Inc. | C | Santa Ana, CA | 8,061 | 66.4% | 4.0% | 6.63% |
| Jmj Financial Group | B | Aliso Viejo, CA | 1,096 | 78.1% | 1.5% | 6.75% |
| Jnc Mortgage CompanyJnc Mortgage Company, Inc. | A | El Paso, TX | 175 | 100.0% | 0.0% | 5.38% |
| John Marshall Bank | – | Reston, VA | 36 | 97.2% | 2.8% | — |
| Johns Hopkins Federal Credit Union | D | Baltimore, MD | 350 | 40.9% | 33.4% | — |
| Johnson Financial Group | A | Racine, WI | 3,907 | 81.8% | 7.4% | 6.75% |
| Johnson Mortgage CompanyJohnson Mortgage Company, L.l.c. | – | Newport News, VA | 74 | 64.9% | 1.4% | 6.00% |
| Johnsonville Tva Employees Credit Union | – | Camden, TN | 44 | 40.9% | 56.8% | 7.13% |
| Jolt Credit Union | C | Saginaw, MI | 331 | 34.4% | 19.9% | 5.99% |
| Jonah Bank of Wyoming | A | Casper, WY | 517 | 88.4% | 2.7% | 6.25% |
| Jones Bank | – | Seward, NE | 44 | 100.0% | 0.0% | — |
| Jones Lang Lasalle MultifamilyJones Lang Lasalle Multifamily, LLC | B | St. Paul, MN | 199 | 89.5% | 1.5% | 5.17% |
| Jonesburg State Bank | – | Jonesburg, MO | 39 | 82.1% | 10.3% | — |
| Jonestown Bank and Trust Company of Jonestown Pennsylvania | B | Jonestown, PA | 157 | 82.2% | 9.6% | — |
| Jordan Federal Credit Union | – | Sandy, UT | 54 | 87.0% | 0.0% | 6.12% |
| Journey Bank | A | Bloomsburg, PA | 1,084 | 86.6% | 5.2% | 6.50% |
| Journey Credit Union | – | Des Moines, IA | 63 | 93.7% | 4.8% | 6.63% |
