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 |
|---|---|---|---|---|---|---|
| N C P D Federal Credit Union | – | Plainview, NY | 42 | 92.9% | 2.4% | 6.13% |
| N.e.w. Credit Union | A | Oconto Falls, WI | 178 | 98.3% | 1.7% | 5.49% |
| NASA Federal Credit Union | B | Upper Marlboro, MD | 907 | 72.9% | 5.6% | 7.25% |
| NBH Bank | C | Greenwood Village, CO | 2,214 | 65.4% | 13.5% | 6.68% |
| NBKC Bank | B | Kansas, MO | 11,823 | 57.9% | 11.4% | 6.13% |
| NBT BankNBT Bank, National Association | B | Norwich, NY | 4,238 | 64.7% | 21.6% | 5.00% |
| NEIGHBORS Credit Union | D | Saint Louis, MO | 800 | 61.5% | 21.9% | — |
| NFMNFM, Inc. | A | Linthicum, MD | 24,275 | 77.9% | 1.8% | 6.63% |
| NJ LendersNJ Lenders Corp. | A | Wilmington, DE | 1,622 | 74.7% | 4.3% | 6.63% |
| NORTH BAY Credit Union | – | Santa Rosa, CA | 38 | 52.6% | 26.3% | 8.75% |
| NORTHEAST FAMILY Federal Credit Union | – | Manchester, CT | 59 | 94.9% | 5.1% | 7.00% |
| NORTHROP GRUMMAN Federal Credit Union | D | Gardena, CA | 959 | 54.0% | 16.9% | 7.75% |
| NVE Bank | – | Englewood, NJ | 83 | 48.2% | 18.1% | — |
| NVR Mortgage FinanceNVR Mortgage Finance, Inc. | B | Reston, VA | 23,048 | 71.2% | 18.6% | 6.25% |
| Nassau Educators Federal Credit Union | B | Westbury, NY | 3,655 | 50.4% | 41.8% | 5.99% |
| NatbankNatbank, National Association | – | Hollywood, FL | 95 | 65.3% | 16.8% | — |
| Nation One MortgageNation One Mortgage Corporation | C | Marlton, NJ | 2,707 | 77.7% | 3.2% | 6.50% |
| National Bank of Commerce | B | Superior, WI | 589 | 85.2% | 4.4% | 6.78% |
| National Bank of St. Anne | A | St. Anne, IL | 114 | 85.1% | 2.6% | — |
| National BanksharesNational Bankshares, Inc. | A | Blacksburg, VA | 297 | 87.9% | 3.0% | — |
| National Cooperative BankNational Cooperative Bank, N.A. | C | Hillsboro, OH | 852 | 72.2% | 11.5% | 6.63% |
| National Exchange Bank and Trust | C | Fond Du Lac, WI | 1,175 | 76.3% | 10.9% | 6.75% |
| National Institutes of Health Federal Credit Union | D | Rockville, MD | 287 | 58.9% | 15.3% | 6.38% |
| National Police Federal Credit Union effective | C | Chicago, IL | 143 | 74.8% | 9.8% | — |
| Nations Direct MortgageNations Direct Mortgage, LLC | B | Henderson, NV | 8,223 | 72.1% | 6.1% | 6.62% |
| Nations LendingNations Lending Corporation | B | Independence, OH | 8,177 | 80.3% | 5.9% | 6.63% |
| Nations Reliable LendingNations Reliable Lending, LLC | – | Houston, TX | 5,359 | 66.0% | 3.2% | 6.75% |
| Nationstar MortgageNationstar Mortgage LLC | C | Coppell, TX | 79,599 | 65.6% | 15.6% | 7.63% |
| Nationwide EquitiesNationwide Equities Corporation | A | Park Ridge, NJ | 478 | 87.7% | 4.0% | 8.98% |
| Nationwide Life InsuranceNationwide Life Insurance Company | – | Wilmington, DE | 47 | 100.0% | 0.0% | 5.64% |
| Nationwide Mortgage BankersNationwide Mortgage Bankers, Inc. | C | Lebanon, NJ | 5,838 | 67.3% | 3.2% | 6.75% |
| Naveo | – | Somerville, MA | 35 | 57.1% | 22.9% | — |
| Navigant Credit Union | B | Smithfield, RI | 3,216 | 64.6% | 15.7% | 6.50% |
| Navigator CU | C | Moss Point, MS | 191 | 61.3% | 14.1% | 6.38% |
| Navy Federal Credit Union | D | Vienna, VA | 179,597 | 44.9% | 22.5% | 7.65% |
| Nbc Oklahoma | – | Oklahoma City, OK | 35 | 100.0% | 0.0% | — |
| Neal Communities FundingNeal Communities Funding, LLC | B | Maitland, FL | 549 | 78.9% | 8.0% | 6.12% |
| Nebraska Bank | – | Dodge, NE | 28 | 71.4% | 3.6% | — |
| Nebraska Bank of Commerce | B | Lincoln, NE | 136 | 84.6% | 1.5% | — |
| Neches Federal Credit Union | B | Port Neches, TX | 588 | 85.2% | 9.2% | 6.25% |
| Needham Bank | B | Needham, MA | 860 | 65.4% | 16.4% | 7.00% |
| Neighborhood | D | Dallas, TX | 456 | 36.8% | 62.7% | 6.49% |
| Neighborhood LoansNeighborhood Loans, Inc. | C | Downer Grove, IL | 6,301 | 18.1% | 58.2% | 8.13% |
| Neighborhood Mortgage Solutions | C | Frankenmuth, MI | 204 | 65.2% | 9.3% | 6.00% |
| Neighborhood National Bank | – | Mora, MN | 96 | 77.1% | 5.2% | — |
| Neighbors Federal Credit Union | F | Baton Rouge, LA | 789 | 33.6% | 51.1% | — |
| Nesc | – | Methuen, MA | 36 | 80.6% | 11.1% | 6.99% |
| Nest Home LendingNest Home Lending, LLC | A | Boulder, CO | 1,037 | 83.4% | 0.7% | 5.25% |
| Net | C | Scranton, PA | 450 | 55.1% | 22.0% | 7.99% |
| Network Capital FundingNetwork Capital Funding Corporation | D | Irvine, CA | 6,972 | 8.7% | 14.9% | 6.63% |
| Network FundingNetwork Funding, L.P. | C | Houston, TX | 4,035 | 60.6% | 10.5% | 6.62% |
| New Alliance Federal Credit Union | – | Ambridge, PA | 89 | 75.3% | 10.1% | 8.00% |
| New Bedford Credit Union | C | New Bedford, MA | 156 | 70.5% | 21.8% | — |
| New Carlisle Federal Savings Bank | A | New Carlisle, OH | 151 | 83.4% | 4.6% | — |
| New Century Bank | – | Belleville, KS | 70 | 100.0% | 0.0% | — |
| New Century Federal Credit Union | – | Joliet, IL | 47 | 95.7% | 0.0% | 6.99% |
| New Cumberland Federal Credit Union | D | New Cumberland, PA | 128 | 69.5% | 17.2% | 6.74% |
| New Day FinancialNew Day Financial, LLC | F | West Palm Beach, FL | 45,454 | 18.5% | 23.9% | 6.99% |
| New Era Mortgage ServicesNew Era Mortgage Services Inc. | – | Houston, TX | 26 | 100.0% | 0.0% | 6.63% |
| New Fed MortgageNew Fed Mortgage, Corp. | B | Danvers, MA | 1,534 | 78.1% | 4.8% | 6.63% |
| New Hampshire | F | Concord, NH | 141 | 43.3% | 44.7% | — |
| New Horizons Credit Union | F | Mobile, AL | 220 | 61.8% | 22.7% | 6.99% |
| New Jersey Law and Public Safety Credit Union | – | Trenton, NJ | 67 | 100.0% | 0.0% | 6.50% |
| New Market Bank | A | Elko New Market, MN | 158 | 87.3% | 1.9% | — |
| New Millennium BankNew Millennium Bank, Inc. | A | Fort Lee, NJ | 109 | 93.6% | 0.0% | — |
| New Peoples BankNew Peoples Bank, Inc. | B | Honaker, VA | 191 | 75.4% | 4.7% | 7.10% |
| New Tripoli Bank | A | New Tripoli, PA | 150 | 89.3% | 3.3% | — |
| New Wave Lending GroupNew Wave Lending Group Inc. | B | City Of Industry, CA | 6,188 | 67.5% | 0.2% | 7.00% |
| New West LendingNew West Lending, Inc. | B | Phoenix, AZ | 180 | 80.6% | 2.8% | 6.38% |
| New York University Federal Credit Union | – | New York, NY | 45 | 66.7% | 4.4% | — |
| NewFirst National Bank | – | El Campo, TX | 40 | 100.0% | 0.0% | — |
| NewTowne MortgageNewTowne Mortgage, LLC | – | Norfolk, VA | 134 | 76.9% | 2.2% | 6.25% |
| Newburyport Five Cents Savings Bank | B | Newburyport, MA | 223 | 78.0% | 8.1% | — |
| Newfield National Bank | – | Newfield, NJ | 100 | 73.0% | 19.0% | — |
| Newport News Shipbuilding Employees Credit Union, Inc. DBA Bayport Credit Union | C | Newport News, VA | 2,462 | 63.3% | 11.8% | 7.49% |
| NewrezNewrez LLC | D | Wilmington, DE | 187,595 | 35.5% | 19.5% | 6.63% |
| Newrez VenturesNewrez Ventures LLC | – | Brown Deer, WI | 50 | 56.0% | 0.0% | 6.25% |
| Newtown Savings Bank | B | Newtown, CT | 1,059 | 70.6% | 6.5% | 6.38% |
| NexBank | B | Dallas, TX | 7,805 | 73.3% | 11.3% | 6.50% |
| Nexera HoldingNexera Holding LLC | D | Emeryville, CA | 10,661 | 54.4% | 9.1% | 7.38% |
| NextMortgageNextMortgage, LLC | C | San Ramon, CA | 969 | 61.1% | 3.7% | 6.75% |
| NextStep Federal Credit Union | – | Troy, NY | 37 | 81.1% | 2.7% | 6.12% |
| Nextier BankNextier Bank, National Association | C | Butler, PA | 435 | 75.6% | 10.3% | 6.63% |
| Nextmark | – | Fairfax, VA | 468 | 51.9% | 32.5% | 8.25% |
| NextresNextres, LLC | C | Newtown, PA | 217 | 92.6% | 7.4% | 7.25% |
| Nexus Series BNexus Series B, LLC | – | Austin, TX | 99 | 79.8% | 0.0% | 10.95% |
| Niagara'S Choice Federal Credit Union | C | Niagara Falls, NY | 192 | 70.8% | 27.6% | 5.55% |
| Nicolet National Bank | A | Green Bay, WI | 3,213 | 86.0% | 4.1% | 7.25% |
| Nizari Progressive FCU | – | Sugar Land, TX | 83 | 56.6% | 6.0% | 6.10% |
| NmsiNmsi, Inc. | A | Los Angeles, CA | 3,255 | 100.0% | 0.0% | 6.63% |
| Noble | F | Fresno, CA | 846 | 39.8% | 37.0% | 8.25% |
| NobleBank & Trust | – | Anniston, AL | 56 | 71.4% | 16.1% | 7.50% |
| North Alabama Bank | – | Madison, AL | 40 | 92.5% | 2.5% | — |
| North American Savings BankNorth American Savings Bank, F.S.B. | C | Grandview, MO | 980 | 65.7% | 10.9% | 6.75% |
| North Brookfield Savings Bank | – | North Brookfield, MA | 57 | 75.4% | 7.0% | — |
| North Coast Credit Union | – | Bellingham, WA | 78 | 62.8% | 15.4% | — |
| North Coast FinancialNorth Coast Financial, Inc. | – | Oceanside, CA | 67 | 94.0% | 6.0% | 10.75% |
| North Country | C | South Burlington, VT | 1,197 | 64.4% | 9.7% | 7.02% |
| North Dallas Bank & TrustNorth Dallas Bank & Trust Co. | – | Dallas, TX | 109 | 60.6% | 17.4% | 6.50% |
| North Easton Savings Bank | D | South Easton, MA | 224 | 62.5% | 19.2% | — |
| North Georgia National Bank | – | Calhoun, GA | 54 | 77.8% | 9.3% | — |
| North Jersey Federal Credit Union | – | Totowa, NJ | 99 | 79.8% | 20.2% | 6.75% |
| North Shore Bank | C | Brookfield, WI | 1,506 | 62.5% | 31.3% | 6.88% |
| North Shore Bank of Commerce | B | Duluth, MN | 672 | 82.7% | 4.9% | 6.63% |
| North Shore Bank, a Co-operative Bank | – | Peabody, MA | 39 | 87.2% | 7.7% | — |
| North Shore Federal Credit Union | C | Silver Bay, MN | 468 | 50.2% | 5.8% | 6.25% |
| North Shore Trust and Savings | C | Waukegan, IL | 506 | 58.1% | 6.7% | — |
| North Star Credit Union | – | Cook, MN | 59 | 79.7% | 6.8% | — |
| North State Bank | A | Raleigh, NC | 607 | 82.5% | 2.1% | 6.63% |
| North Valley Bank | – | Thornton, CO | 42 | 81.0% | 7.1% | — |
| North Valley Bank | C | Zanesville, OH | 127 | 81.9% | 11.0% | — |
| NorthEast Community Bank | – | White Plains, NY | 40 | 97.5% | 2.5% | 5.70% |
| NorthWest Plus Credit Union | – | Everett, WA | 35 | 60.0% | 14.3% | 6.88% |
| Northbrook Bank and Trust CompanyNorthbrook Bank and Trust Company, National Association | A | Northbrook, IL | 177 | 85.3% | 1.7% | — |
| Northeast Bank | – | Minneapolis, MN | 28 | 100.0% | 0.0% | — |
| Northeast Community Credit Union | – | Elizabethton, TN | 51 | 100.0% | 0.0% | 6.99% |
| Northeast Equitable MortgageNortheast Equitable Mortgage, LLC | B | Blue Bell, PA | 239 | 79.5% | 1.7% | 6.63% |
| Northeast Home LoanNortheast Home Loan, LLC | A | Chesterfield, NH | 732 | 86.2% | 2.5% | 6.50% |
| Northeast Security Bank | – | Sumner, IA | 87 | 96.6% | 3.5% | — |
| Northern Bank & TrustNorthern Bank & Trust Company | C | Woburn, MA | 276 | 78.3% | 9.1% | 7.75% |
| Northern Colorado Credit Union | – | Greeley, CO | 57 | 82.5% | 12.3% | 6.88% |
| Northern Credit Union | B | Watertown, NY | 1,066 | 70.6% | 17.2% | 6.38% |
| Northern Hills Federal Credit Union | – | Sturgis, SD | 35 | 65.7% | 14.3% | — |
| Northern Home LoansNorthern Home Loans LLC | – | Woburn, MA | 186 | 80.1% | 11.3% | 7.38% |
| Northern Mortgage ServicesNorthern Mortgage Services, LLC | B | Grandville, MI | 1,029 | 78.7% | 1.6% | 6.63% |
| Northern State Bank | C | Ashland, WI | 158 | 69.6% | 12.0% | — |
| Northfield Bank | D | New York, NY | 861 | 55.8% | 32.4% | — |
| Northfield Savings Bank | B | Northfield, VT | 319 | 70.5% | 9.7% | 6.50% |
| Northmarq Capital FinanceNorthmarq Capital Finance, L.l.c. | C | Omaha, NE | 163 | 83.4% | 3.1% | 5.34% |
| Northpoint MortgageNorthpoint Mortgage, Inc. | A | Sturbridge, MA | 2,399 | 82.2% | 3.0% | 6.63% |
| Northpointe Bank | C | Grand Rapids, MI | 10,377 | 61.6% | 7.2% | 6.63% |
| Northstar Bank | – | Bad Axe, MI | 109 | 83.5% | 1.8% | — |
| Northview Bank | F | Sandstone, MN | 439 | 57.0% | 17.1% | — |
| Northway Bank | – | Berlin, NH | 188 | 52.7% | 22.9% | 7.38% |
| Northwest Bank | A | Spencer, IA | 2,585 | 80.4% | 5.2% | 6.44% |
| Northwest Bank | B | Warren, PA | 5,915 | 70.3% | 18.4% | 6.25% |
| Northwest Bank of Rockford | – | Rockford, IL | 49 | 69.4% | 8.2% | 6.94% |
| Northwest Community Bank | A | Winsted, CT | 226 | 86.7% | 3.1% | 6.38% |
| Northwest Federal Credit Union | D | Herndon, VA | 2,066 | 60.4% | 20.0% | 7.00% |
| Northwestern Bank | C | Chippewa Falls, WI | 155 | 76.1% | 9.0% | — |
| Northwestern BankNorthwestern Bank, National Association | – | Dilworth, MN | 54 | 94.4% | 5.6% | — |
| Northwestern Mutual Credit Union | – | Milwaukee, WI | 62 | 72.6% | 4.8% | 6.50% |
| Northwoods | D | Cloquet, MN | 204 | 64.2% | 24.5% | 7.75% |
| Norway Savings Bank | B | Norway, ME | 964 | 66.4% | 15.5% | 7.25% |
| Norwich Commercial GroupNorwich Commercial Group, Inc. | C | Avon, CT | 3,191 | 61.2% | 10.1% | 6.63% |
| Norwood Co-operative Bank | B | Norwood, MA | 166 | 88.6% | 6.0% | — |
| Notre Dame Federal Credit UnionNotre Dame Federal Credit Union Corporation | B | South Bend, IN | 1,838 | 70.7% | 18.0% | 7.25% |
| Nova Financial & InvestmentNova Financial & Investment Corporation | C | Tucson, AZ | 7,472 | 67.0% | 15.5% | 6.49% |
| Novation Credit Union | C | Oakdale, MN | 149 | 75.2% | 16.8% | 6.49% |
| Nqm FundingNqm Funding, LLC | D | Boca Raton, FL | 4,063 | 62.6% | 17.0% | 7.37% |
| NtfnNtfn, Inc. | – | Dallas, TX | 2,127 | 58.9% | 16.8% | 6.75% |
| NuVision Federal Credit Union | C | Huntington Beach, CA | 2,017 | 56.4% | 32.6% | 4.99% |
| Numark Credit Union | C | Joliet, IL | 1,003 | 60.3% | 18.3% | 7.25% |
| Numerica Credit Union | D | Spokane Valley, WA | 2,861 | 54.5% | 35.8% | 7.75% |
| Nusenda | D | Albuquerque, NM | 3,033 | 62.5% | 14.6% | 8.00% |
| Nutmeg State Financial | D | Rocky Hill, CT | 726 | 54.4% | 39.7% | — |
| Nuwave LendingNuwave Lending LLC | – | Grapevine, TX | 421 | 80.1% | 0.5% | 6.50% |
| Nuway LendingNuway Lending, LLC | – | Houston, TX | 47 | 74.5% | 0.0% | 6.99% |
| Nymeo Federal Credit Union | A | Frederick, MD | 378 | 96.6% | 2.9% | 6.38% |
