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 |
|---|---|---|---|---|---|---|
| L & N Federal Credit Union | A | Louisville, KY | 2,146 | 77.7% | 7.6% | 7.00% |
| L C E Federal Credit Union | – | Painesville, OH | 33 | 81.8% | 18.2% | — |
| LA Financial Federal Credit Union | – | Arcadia, CA | 46 | 50.0% | 13.0% | 8.63% |
| LAFCU Credit Union | C | Lansing, MI | 468 | 63.7% | 8.8% | 5.88% |
| LANCO Federal Credit Union | – | Lancaster, PA | 75 | 74.7% | 18.7% | — |
| LANGLEY Federal Credit Union | C | Newport News, VA | 4,000 | 74.1% | 20.6% | 6.99% |
| LCNB National Bank | A | Lebanon, OH | 648 | 80.7% | 6.8% | 6.50% |
| LENDING CAPITAL GROUPLENDING CAPITAL GROUP Inc | B | Philadelphia, PA | 554 | 76.0% | 3.4% | 6.75% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansLENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | B | Fort Mill, SC | 12,529 | 46.4% | 8.4% | 6.00% |
| LIBERTYONE Credit Union | – | Dallas, TX | 75 | 97.3% | 0.0% | 7.29% |
| LOC Credit Union | C | Farmington, MI | 823 | 59.5% | 29.4% | 4.99% |
| LONG BEACH CITY EMPLOYEES Federal Credit Union | – | Signal Hill, CA | 37 | 100.0% | 0.0% | 6.88% |
| LOS ANGELES POLICE Federal Credit Union | D | Los Angeles, CA | 371 | 62.0% | 18.9% | — |
| LOUISIANA Federal Credit Union | – | Laplace, LA | 138 | 92.0% | 5.8% | — |
| LPS Employees Federal Credit Union | – | Lincoln, NE | 80 | 100.0% | 0.0% | — |
| La Capitol Federal Credit Union | D | Baton Rouge, LA | 374 | 38.8% | 38.0% | 5.99% |
| Labette Bank | A | Altamont, KS | 127 | 85.8% | 3.9% | — |
| Ladera LendingLadera Lending, Inc. | C | Ladera Ranch, CA | 2,371 | 31.3% | 3.0% | 6.99% |
| Lafayette Federal Credit Union | C | Rockville, MD | 1,012 | 64.6% | 17.8% | 7.50% |
| Lafayette State Bank | – | Mayo, FL | 53 | 50.9% | 26.4% | — |
| Lake Central Bank | – | Annandale, MN | 67 | 82.1% | 4.5% | — |
| Lake City Bank | B | Warsaw, IN | 2,437 | 76.8% | 11.6% | 7.75% |
| Lake Elmo Bank | A | Lake Elmo, MN | 145 | 93.8% | 3.5% | — |
| Lake Forest Bank & Trust CompanyLake Forest Bank & Trust Company, N.A. | A | Lake Forest, IL | 176 | 88.1% | 2.3% | — |
| Lake Huron Credit Union | D | Saginaw, MI | 115 | 40.0% | 53.0% | 6.50% |
| Lake Michigan Credit Union | A | Grand Rapids, MI | 18,732 | 76.2% | 6.2% | 6.74% |
| Lake Mortgage CompanyLake Mortgage Company Inc. | – | Merrillville, IN | 62 | 90.3% | 3.2% | 6.75% |
| Lake Ridge Bank | A | Middleton, WI | 886 | 79.6% | 6.6% | 5.49% |
| Lake Shore Savings Bank | D | Dunkirk, NY | 172 | 68.0% | 21.5% | — |
| Lake Trust Credit Union | D | Brighton, MI | 955 | 54.7% | 43.8% | 7.39% |
| Lakeland Bank | – | Oak Ridge, NJ | 2,904 | 60.0% | 24.0% | 5.99% |
| Lakeside Bank | – | Lake Charles, LA | 43 | 60.5% | 23.3% | — |
| Lakeside Bank | – | Chicago, IL | 103 | 76.7% | 1.9% | — |
| Lakeview Bank | – | Lakeville, MN | 65 | 89.2% | 4.6% | — |
| Lakeview Community CapitalLakeview Community Capital, LLC | A | Tucson, AZ | 4,931 | 88.7% | 1.7% | 6.25% |
| Lakeview Loan ServicingLakeview Loan Servicing, LLC | C | Coral Gables, FL | 70,176 | 23.4% | 51.3% | 6.38% |
| Lamar National Bank | – | Paris, TX | 92 | 51.1% | 15.2% | — |
| Land Home Financial ServicesLand Home Financial Services, Inc. | C | Concord, CA | 2,057 | 74.6% | 4.9% | 7.00% |
| Land of Lincoln Credit Union | A | Decatur, IL | 109 | 86.2% | 3.7% | — |
| Landings | D | Tempe, AZ | 146 | 52.1% | 13.0% | 8.00% |
| Landmark Bank | C | Clinton, LA | 125 | 87.2% | 4.8% | — |
| Landmark Credit Union | A | Brookfield, WI | 9,411 | 70.9% | 17.7% | 6.50% |
| Landmark National Bank | B | Manhattan, KS | 981 | 79.6% | 3.9% | 6.25% |
| Lantzman ManagementLantzman Management, Inc. | A | San Diego, CA | 216 | 100.0% | 0.0% | 10.50% |
| Laona State Bank | B | Laona, | 151 | 74.2% | 9.3% | — |
| Laredo Federal Credit Union | – | Laredo, TX | 36 | 77.8% | 22.2% | — |
| Latin American FinancialLatin American Financial Corporation | – | San Juan, | 47 | 76.6% | 12.8% | 6.25% |
| Latino Community Credit Union | C | Durham, NC | 432 | 77.3% | 8.1% | 7.50% |
| Launch Credit Union | F | Merritt Island, FL | 1,458 | 41.1% | 38.7% | 6.75% |
| Lbs Financial | C | Westminster, CA | 377 | 66.8% | 15.9% | 6.13% |
| Leader BankLeader Bank, National Association | A | Arlington, MA | 7,670 | 81.8% | 2.0% | 6.25% |
| Leaderone FinancialLeaderone Financial Corporation | D | Overland Park, KS | 8,132 | 67.9% | 9.9% | 6.63% |
| Leaders Credit Union | C | Jackson, TN | 2,356 | 66.4% | 15.3% | 6.50% |
| Lebanon Federal Credit Union | B | Lebanon, PA | 393 | 83.0% | 11.5% | — |
| Lee Bank | C | Lee, MA | 143 | 75.5% | 7.7% | — |
| Lee Bank & TrustLee Bank & Trust Company | – | Pennington Gap, VA | 48 | 64.6% | 16.7% | — |
| Legacy Bank | – | Grundy, VA | 91 | 90.1% | 1.1% | — |
| Legacy Bank | C | Hinton, OK | 156 | 84.0% | 12.8% | — |
| Legacy Bank | C | Colwich, KS | 185 | 84.9% | 4.3% | — |
| Legacy Bank & TrustLegacy Bank & Trust Company | – | Mountain Grove, MO | 96 | 85.4% | 7.3% | — |
| Legacy Community Federal Credit Union | C | Birmingham, AL | 201 | 67.7% | 12.4% | — |
| Legacy Home LoansLegacy Home Loans, LLC | A | Nashville, TN | 1,484 | 82.1% | 1.2% | 6.49% |
| Legacy National Bank | A | Springdale, AR | 235 | 88.1% | 1.3% | — |
| Legence Bank | – | Eldorado, IL | 90 | 56.7% | 17.8% | — |
| Legend BankLegend Bank, N.A. | C | Bowie, TX | 149 | 78.5% | 11.4% | — |
| Legend LendingLegend Lending Corporation | B | Houston, TX | 1,425 | 73.8% | 1.0% | 6.63% |
| Legends Bank | B | Linn, MO | 148 | 86.5% | 8.1% | — |
| Legends Bank | B | Clarksville, TN | 549 | 77.8% | 3.6% | 6.38% |
| Lehigh Valley Educators Credit Union | A | Allentown, PA | 115 | 94.8% | 1.7% | 6.74% |
| Leighton State Bank | – | Pella, IA | 75 | 74.7% | 8.0% | — |
| Lend Smart MortgageLend Smart Mortgage, LLC | – | Shoreview, MN | 144 | 63.2% | 10.4% | 6.25% |
| LendageLendage, LLC | B | San Mateo, CA | 15,401 | 70.7% | 13.4% | 11.00% |
| LendingoneLendingone, LLC | F | Boca Raton, FL | 25,603 | 9.8% | 15.5% | 7.33% |
| Lendlo MortgageLendlo Mortgage, LLC | A | Houston, TX | 1,300 | 78.3% | 2.2% | 5.99% |
| Lendsure MortgageLendsure Mortgage Corp. | B | San Diego, CA | 5,432 | 65.0% | 2.5% | 7.50% |
| Lennar MortgageLennar Mortgage, LLC | A | Miami, FL | 77,363 | 73.6% | 14.4% | 4.88% |
| Leominster Credit Union | D | Leominster, MA | 740 | 66.5% | 18.4% | — |
| Levo Federal Credit Union | B | Sioux Falls, | 679 | 83.1% | 7.1% | 7.50% |
| Lge Community Credit Union | D | Atlanta, GA | 1,059 | 70.3% | 15.0% | — |
| Lhm FinancialLhm Financial Corporation | – | Scottsdale, AZ | 127 | 45.7% | 5.5% | 6.25% |
| Liberty | B | Evansville, IN | 7,695 | 77.7% | 6.1% | 6.75% |
| Liberty Bank | A | Geraldine, AL | 207 | 94.7% | 0.0% | — |
| Liberty Bank | – | Ironton, OH | 28 | 75.0% | 17.9% | — |
| Liberty Bank | A | Middletown, CT | 3,886 | 78.7% | 9.1% | 5.99% |
| Liberty Bank Minnesota | A | St. Cloud, MN | 336 | 86.9% | 3.0% | 6.75% |
| Liberty Bank and TrustLiberty Bank and Trust Company | D | New Orleans, LA | 312 | 61.5% | 25.0% | — |
| Liberty Bank for Savings | C | Chicago, IL | 223 | 59.2% | 7.6% | 6.25% |
| Liberty Bay Credit Union | B | Braintree, MA | 159 | 76.1% | 5.0% | — |
| Liberty First Credit Union | C | Lincoln, NE | 659 | 63.0% | 9.6% | 6.63% |
| Liberty Home MortgageLiberty Home Mortgage Corporation | D | Strongsville, OH | 1,393 | 63.3% | 6.8% | 6.88% |
| Liberty MortgageLiberty Mortgage Corporation | – | Birmingham, AL | 63 | 100.0% | 0.0% | 6.50% |
| Liberty National Bank | B | Lawton, OK | 192 | 90.6% | 4.7% | — |
| Liberty National Bank | – | Sioux City, IA | 38 | 86.8% | 5.3% | — |
| Liberty Savings BankLiberty Savings Bank, F.S.B. | F | Wilmington, OH | 202 | 50.0% | 32.2% | 8.25% |
| Libertyville Bank & Trust CompanyLibertyville Bank & Trust Company, N.A. | B | Libertyville, IL | 150 | 80.7% | 3.3% | — |
| Library of Congress | B | Washington, DC | 147 | 59.2% | 19.1% | 3.50% |
| Lighthouse Federal Credit Union | D | Portsmouth, NH | 1,973 | 52.3% | 33.3% | 7.49% |
| Lima One CapitalLima One Capital, LLC | F | Greenville, SC | 4,002 | 59.5% | 22.3% | 8.90% |
| LimeBank | – | Bolivar, MO | 89 | 80.9% | 11.2% | — |
| Limestone BankLimestone Bank, Inc. | – | Louisville, KY | 69 | 84.1% | 5.8% | — |
| Lincoln FSB of Nebraska | A | Lincoln, NE | 1,345 | 83.3% | 2.8% | 6.38% |
| Lincoln Maine Federal Credit Union | – | Lincoln, ME | 91 | 74.7% | 14.3% | — |
| Lincoln Savings Bank | – | Waterloo, IA | 70 | 82.9% | 7.1% | 6.98% |
| Lincone Federal Credit Union | C | Lincoln, NE | 128 | 80.5% | 6.3% | 7.13% |
| Lindell Bank & TrustLindell Bank & Trust Company | B | St. Louis, MO | 211 | 91.0% | 4.3% | — |
| Linkbank | C | Camp Hill, PA | 527 | 70.0% | 17.5% | — |
| Linked Home LoansLinked Home Loans, LLC | – | San Ramon, CA | 38 | 57.9% | 5.3% | 7.25% |
| Linn Area | C | Cedar Rapids, IA | 356 | 76.4% | 7.6% | 6.75% |
| Lisbon Community | – | Lisbon, ME | 107 | 83.2% | 9.4% | 6.88% |
| Lisle Savings Bank | B | Lisle, IL | 151 | 69.5% | 4.6% | — |
| Listerhill Credit Union | A | Muscle Shoals, AL | 666 | 91.1% | 3.3% | 6.00% |
| Little Horn State Bank | – | Hardin, MT | 101 | 89.1% | 4.0% | — |
| Litton MortgageLitton Mortgage, Inc. | – | Shreveport, LA | 28 | 100.0% | 0.0% | 5.75% |
| Lnb Community Bank | B | Lynnville, IN | 212 | 80.2% | 6.6% | — |
| LoLo, Inc. | – | Bellevue, WA | 55 | 100.0% | 0.0% | 6.63% |
| Loan FunderLoan Funder LLC | F | New York, NY | 20,275 | 45.9% | 12.5% | 9.25% |
| Loan SimpleLoan Simple, Inc. | D | Englewood, CO | 2,907 | 64.5% | 6.2% | 6.63% |
| LoanFrontLoanFront, LLC | – | Hazlet, NJ | 110 | 68.2% | 21.8% | 6.75% |
| LoanUnited.comLoanUnited.com, LLC | C | Duluth, GA | 11,293 | 37.2% | 8.0% | 6.00% |
| Loandepot.ComLoandepot.Com, LLC | D | Irvine, CA | 155,259 | 59.1% | 22.0% | 6.63% |
| Loanflight LendingLoanflight Lending, LLC | B | Tampa, FL | 509 | 53.2% | 6.7% | 5.99% |
| Loanleaders of AmericaLoanleaders of America, Inc. | B | Irvine, CA | 179 | 65.4% | 0.6% | 6.25% |
| LoanpeopleLoanpeople, LLC | B | Austin, TX | 2,651 | 69.7% | 3.1% | 6.62% |
| LoansnapLoansnap, Inc. | – | Costa Mesa, CA | 122 | 34.4% | 9.8% | 9.31% |
| LoansteadyLoansteady LLC | A | Mclean, VA | 1,838 | 68.3% | 3.1% | 6.49% |
| Local Bank | – | Hulbert, | 91 | 94.5% | 3.3% | — |
| Local Government | F | Raleigh, NC | 1,838 | 35.6% | 46.1% | 8.00% |
| Local MortgageLocal Mortgage Inc. | – | Memphis, TN | 114 | 32.5% | 17.5% | 6.25% |
| Logan Bank & TrustLogan Bank & Trust Company | C | Logan, WV | 250 | 77.6% | 12.4% | — |
| Logan FinanceLogan Finance Corporation | C | New York, NY | 5,687 | 53.7% | 11.9% | 7.12% |
| Logix Federal Credit Union | C | Valencia, CA | 4,674 | 65.9% | 18.6% | 6.38% |
| Lone Star Federally Insured State-Chartered Credit Union | F | Dallas, TX | 155 | 44.5% | 35.5% | 7.25% |
| Lone Star National Bank | F | Mcallen, TX | 466 | 49.8% | 15.9% | 7.25% |
| Lone Star State Bank of West Texas | – | Lubbock, TX | 66 | 95.5% | 3.0% | — |
| Longbridge FinancialLongbridge Financial, LLC | F | Mahwah, NJ | 8,187 | 62.5% | 10.9% | 6.25% |
| Longview Bank | A | Ogden, IL | 480 | 91.5% | 2.1% | 6.25% |
| Lookout Federal Credit Union | – | Pocatello, ID | 44 | 63.6% | 18.2% | 6.38% |
| Los Angeles Federal Credit Union | B | Glendale, CA | 186 | 53.8% | 0.0% | 6.88% |
| Louisiana National Bank | – | Ruston, LA | 124 | 71.0% | 4.8% | — |
| Louviers Federal Credit Union | – | Newark, DE | 38 | 97.4% | 0.0% | 6.50% |
| LowerLower, LLC | C | Columbia, MD | 29,643 | 60.4% | 9.9% | 6.63% |
| LpmcLpmc, LLC | B | Salem, OR | 363 | 74.4% | 2.2% | 6.50% |
| Lrs Financial NetworkLrs Financial Network, Inc. | A | Midland, TX | 247 | 85.4% | 1.6% | 6.63% |
| Luana Savings Bank | A | Luana, IA | 722 | 89.8% | 2.6% | 6.13% |
| Lumbee Guaranty Bank | – | Pembroke, NC | 73 | 95.9% | 2.7% | — |
| Lument Real Estate CapitalLument Real Estate Capital, LLC | C | Dover, DE | 516 | 77.9% | 6.2% | 5.68% |
| Lument Structured FinanceLument Structured Finance, LLC | – | Columbus, OH | 29 | 82.8% | 6.9% | 6.90% |
| Luminate Bank | B | Minneapolis, MN | 12,134 | 69.4% | 3.2% | 6.63% |
| Luminate Home LoansLuminate Home Loans, Inc. | C | Minneapolis, MN | 1,280 | 66.1% | 3.2% | 6.88% |
| Lusitania Savings Bank | – | Newark, NJ | 78 | 73.1% | 5.1% | — |
| Luso Federal Credit Union | – | Ludlow, MA | 70 | 71.4% | 14.3% | 6.25% |
| Luther Burbank Savings | – | Santa Rosa, CA | 393 | 58.3% | 21.4% | 6.75% |
| Luxury MortgageLuxury Mortgage Corp. | F | Stamford, CT | 1,781 | 55.5% | 12.6% | 7.25% |
| Lynx Mortgage BankLynx Mortgage Bank LLC | A | Westbury, NY | 241 | 79.3% | 4.6% | 6.75% |
| Lyons Mortgage ServicesLyons Mortgage Services, Inc. | – | New York, NY | 44 | 61.4% | 4.6% | 6.63% |
