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 |
|---|---|---|---|---|---|---|
| R Bank | – | Round Rock, TX | 71 | 50.7% | 12.7% | 6.75% |
| R G Federal Credit Union | – | Raymore, MO | 59 | 86.4% | 13.6% | 7.75% |
| R M K FinancialR M K Financial Corp. | – | Ontario, CA | 108 | 92.6% | 7.4% | 6.88% |
| R T P Federal Credit Union | – | Durham, NC | 62 | 72.6% | 11.3% | 7.60% |
| R. F. Mortgage & InvestmentR. F. Mortgage & Investment Corporation | C | San Juan, | 344 | 85.5% | 8.7% | 6.25% |
| R.I.A. Federal Credit Union | D | Bettendorf, IA | 449 | 63.3% | 22.1% | 5.99% |
| RBC Bank, (Georgia)RBC Bank, (Georgia) National Association | B | Atlanta, GA | 1,216 | 65.9% | 16.0% | 5.63% |
| RCB Bank | B | Claremore, OK | 835 | 73.3% | 8.0% | 6.41% |
| RCN CapitalRCN Capital, LLC | D | South Windsor, CT | 13,309 | 53.0% | 45.6% | 7.84% |
| RED ROCKS Credit Union | C | Littleton, CO | 351 | 67.8% | 15.4% | 7.75% |
| REDBRAND Credit Union | – | Bartonville, IL | 40 | 67.5% | 27.5% | 6.75% |
| REDSTONE Federal Credit Union | C | Huntsville, AL | 5,403 | 59.6% | 19.7% | 8.13% |
| RIVER VALLEY Credit Union | – | Ames, IA | 59 | 94.9% | 1.7% | — |
| RNB State Bank | – | Rawlins, WY | 30 | 60.0% | 6.7% | — |
| ROCKLAND Federal Credit Union | C | Rockland, MA | 1,266 | 61.4% | 20.9% | 7.00% |
| RPE HomeRPE Home, Inc | D | Denver, CO | 1,590 | 57.9% | 9.4% | 11.00% |
| Raccoon Valley Bank | B | Perry, IA | 148 | 84.5% | 5.4% | — |
| RadiFi Credit Union | C | Jacksonville, FL | 458 | 70.5% | 14.0% | 6.55% |
| Radiant Credit Union | C | Gainesville, FL | 521 | 46.8% | 40.9% | 6.25% |
| Radius Financial GroupRadius Financial Group Inc. | B | Norwell, MA | 2,401 | 78.7% | 3.4% | 6.63% |
| Railway | C | Mandan, ND | 131 | 82.4% | 12.2% | — |
| Rain City CapitalRain City Capital, LLC | D | Kirkland, WA | 3,585 | 59.1% | 40.9% | 10.50% |
| Raiz Federal Credit Union | D | El Paso, TX | 327 | 62.7% | 23.9% | — |
| Rally Credit Union | D | Corpus Christi, TX | 4,767 | 30.9% | 39.3% | 6.63% |
| Randolph-Brooks Federal Credit Union | C | Live Oak, TX | 13,859 | 51.5% | 10.5% | 6.88% |
| Range Bank | A | Marquette, MI | 349 | 90.8% | 2.6% | — |
| RanlifeRanlife, Inc. | B | Sandy, UT | 1,465 | 66.4% | 2.1% | 6.38% |
| Rapid MortgageRapid Mortgage Company | B | Cincinnati, OH | 1,332 | 71.2% | 0.3% | 6.88% |
| Rave Financial Credit Union | B | Beaumont, TX | 456 | 56.1% | 31.6% | 5.88% |
| Raymond James Bank | A | Saint Petersburg, FL | 2,077 | 82.4% | 5.5% | 5.38% |
| Rayne Building and Loan Association | – | Rayne, LA | 74 | 77.0% | 4.1% | — |
| Rayne State Bank & TrustRayne State Bank & Trust Company | – | Rayne, LA | 83 | 94.0% | 3.6% | — |
| Rb MortgageRb Mortgage LLC | – | Austin, TX | 49 | 77.6% | 2.0% | 6.50% |
| Reading Co-Operative Bank | C | Reading, MA | 184 | 69.0% | 10.9% | — |
| Readlyn Savings Bank | – | Readlyn, IA | 25 | 100.0% | 0.0% | — |
| Ready Mortgage LendersReady Mortgage Lenders, LLC | F | Miami, FL | 223 | 61.0% | 17.0% | 6.75% |
| Readycap CommercialReadycap Commercial, LLC | – | New York, NY | 109 | 42.2% | 14.7% | 6.07% |
| Real GeniusReal Genius LLC | C | Delray Beach, FL | 702 | 47.0% | 9.5% | 5.99% |
| Red Canoe Credit Union | B | Longview, WA | 841 | 62.0% | 10.7% | 7.50% |
| Red Crown | – | Tulsa, OK | 64 | 29.7% | 31.3% | 7.13% |
| Red Diamond Home LoansRed Diamond Home Loans, LLC | B | Southlake, TX | 163 | 77.3% | 3.1% | 6.63% |
| Red River Bank | C | Alexandria, LA | 1,288 | 67.1% | 14.4% | 6.50% |
| Red River Employees Federal Credit Union | C | Texarkana, TX | 506 | 75.1% | 17.6% | — |
| Red River Federal Credit Union | – | Altus, | 73 | 89.0% | 9.6% | 7.13% |
| Redwood | C | Santa Rosa, CA | 4,626 | 63.3% | 17.6% | 8.00% |
| Redwood MortgageRedwood Mortgage Corp. | – | San Mateo, CA | 39 | 41.0% | 23.1% | 9.25% |
| Redwood Residential AcquisitionRedwood Residential Acquisition Corporation | A | Mill Valley, CA | 306 | 97.1% | 0.7% | 6.88% |
| Regent Bank | B | Tulsa, OK | 350 | 77.7% | 5.7% | — |
| Regent Financial GroupRegent Financial Group, Inc. | B | Omaha, NE | 709 | 86.2% | 0.0% | 6.49% |
| Regional Federal Credit Union | C | Hammond, IN | 130 | 79.2% | 11.5% | 6.49% |
| Regional Missouri Bank | C | Marceline, MO | 243 | 79.0% | 9.1% | — |
| Regions Bank | C | Birmingham, AL | 68,710 | 44.1% | 38.8% | 5.63% |
| Reliabank Dakota | B | Estelline, SD | 216 | 75.5% | 6.0% | 6.75% |
| Reliable Holdings Manager dba Lendz Financial | D | Miami, FL | 1,778 | 51.4% | 4.5% | 7.38% |
| Reliance First CapitalReliance First Capital, LLC | C | Wilmington, DE | 4,966 | 79.6% | 4.1% | 6.63% |
| Reliance Savings Bank | C | Altoona, PA | 350 | 79.4% | 9.7% | — |
| Reliance State Bank | – | Story City, IA | 75 | 88.0% | 6.7% | — |
| Reliant Community Federal Credit Union | D | Sodus, NY | 1,018 | 69.3% | 22.1% | 7.39% |
| Reliant Home FundingReliant Home Funding, Inc. | B | New York, NY | 815 | 62.3% | 4.4% | 6.50% |
| Relyance Bank | – | White Hall, AR | 99 | 75.8% | 11.1% | — |
| Renasant Bank | B | Tupelo, MS | 12,133 | 74.0% | 9.8% | 6.69% |
| Republic Bank | – | Philadelphia, PA | 723 | 45.0% | 41.4% | 6.25% |
| Republic Bank & TrustRepublic Bank & Trust Company | B | Louisville, KY | 4,059 | 61.0% | 8.9% | 5.99% |
| Republic Bank of Chicago | A | Oak Brook, IL | 284 | 89.1% | 0.4% | — |
| Republic State MortgageRepublic State Mortgage Co. | A | Houston, TX | 2,115 | 80.5% | 1.5% | 6.00% |
| ResMacResMac, Inc. | C | Boynton Beach, FL | 430 | 75.6% | 5.6% | 6.99% |
| ResicentralResicentral, LLC | B | Larkspur, CA | 8,059 | 67.2% | 3.9% | 6.49% |
| Residential AcceptanceResidential Acceptance Corporation | – | Tampa, FL | 610 | 92.6% | 3.8% | 7.13% |
| Residential First Capital | – | Newport Beach, CA | 101 | 64.4% | 1.0% | 11.50% |
| Residential Home FundingResidential Home Funding Corp. | – | White Plains, NY | 616 | 49.5% | 6.8% | 6.75% |
| Residential Home MortgageResidential Home Mortgage Corporation | B | Hampton, NJ | 162 | 82.1% | 6.8% | 6.63% |
| Residential Mortgage NetworkResidential Mortgage Network, Inc. | A | Iowa City, IA | 598 | 90.3% | 0.8% | 6.50% |
| Residential MortgageResidential Mortgage, LLC | B | Anchorage, AK | 2,574 | 74.2% | 5.5% | 6.25% |
| Residential Wholesale MortgageResidential Wholesale Mortgage, Inc. | B | San Diego, CA | 3,274 | 68.1% | 1.7% | 6.50% |
| Resource Bank | B | Covington, LA | 204 | 94.6% | 2.5% | — |
| Resource BankResource Bank, National Association | B | Dekalb, IL | 112 | 92.0% | 8.0% | — |
| Resource Financial ServicesResource Financial Services, Inc. | B | Columbia, SC | 1,129 | 76.2% | 1.8% | 6.49% |
| Resource One Credit Union | – | Dallas, TX | 36 | 0.0% | 22.2% | — |
| Rev Federal Credit Union | C | Summerville, SC | 380 | 66.6% | 9.2% | 6.50% |
| Rf Renovo Management CompanyRf Renovo Management Company, LLC | B | Chicago, IL | 8,595 | 78.7% | 0.2% | 9.50% |
| Rhinebeck Bank | – | Rhinebeck, NY | 94 | 87.2% | 4.3% | — |
| Rhode Island Credit Union | F | Warwick, RI | 590 | 51.9% | 30.7% | 6.99% |
| Ridgewood Savings Bank | C | Ridgewood, NY | 603 | 63.5% | 15.9% | 6.25% |
| Riegel | – | Milford, NJ | 91 | 79.1% | 16.5% | 7.00% |
| Right Start MortgageRight Start Mortgage, Inc. | D | Pasadena, CA | 4,240 | 67.7% | 7.6% | 6.63% |
| Rio Bank | – | Mcallen, TX | 76 | 73.7% | 6.6% | — |
| Rio Grande | D | Albuquerque, NM | 254 | 60.6% | 21.3% | — |
| River Bank | – | Stoddard, WI | 109 | 78.0% | 6.4% | — |
| River Bank & Trust | A | Prattville, AL | 1,691 | 83.9% | 4.0% | 6.95% |
| River City Bank | – | Sacramento, CA | 63 | 76.2% | 14.3% | — |
| River City Bank | – | Rome, GA | 81 | 79.0% | 3.7% | — |
| River City BankRiver City Bank, Inc. | C | Louisville, KY | 366 | 70.2% | 11.8% | — |
| River City Federal Credit Union | – | Leon Valley, TX | 82 | 36.6% | 35.4% | 7.40% |
| River Falls State Bank | – | River Falls, WI | 78 | 93.6% | 2.6% | — |
| River Region Credit Union | A | Jefferson City, MO | 1,492 | 79.6% | 7.2% | — |
| River Valley AgCredit, ACA | – | Paducah, KY | 65 | 78.5% | 10.8% | 7.05% |
| River Valley Credit Union | – | Ada, MI | 59 | 79.7% | 15.3% | 6.70% |
| River Valley Credit UnionRiver Valley Credit Union, Inc. | B | Miamisburg, OH | 127 | 72.4% | 18.9% | 5.75% |
| River Works | – | Lynn, MA | 58 | 94.8% | 3.5% | 6.25% |
| RiverHills Bank | C | Milford, OH | 577 | 61.0% | 12.8% | 6.63% |
| RiverHills Bank | B | Vicksburg, MS | 128 | 85.2% | 8.6% | — |
| RiverWood Bank | – | Baxter, MN | 239 | 95.4% | 1.3% | — |
| Riverfront Federal Credit Union | B | Wyomissing, PA | 460 | 68.3% | 28.7% | 5.55% |
| Riverland Bank | – | Jordan, MN | 50 | 100.0% | 0.0% | — |
| Rivermark Community | D | Oregon City, OR | 1,534 | 50.1% | 17.0% | 7.74% |
| Rivers Edge Bank | – | Marion, SD | 98 | 89.8% | 4.1% | — |
| Riverside Bank of Dublin | – | Dublin, OH | 29 | 86.2% | 0.0% | — |
| Riverstone Bank | – | Talmage, | 68 | 83.8% | 8.8% | — |
| Riverview Bank | – | Vancouver, WA | 26 | 38.5% | 19.2% | — |
| Riverview Federal Credit Union | – | Belpre, OH | 50 | 62.0% | 12.0% | 6.50% |
| Rize Federal Credit Union | D | Irwindale, CA | 562 | 55.3% | 30.3% | — |
| Rm Actual MortgageRm Actual Mortgage, Inc. | C | Bayamon, | 396 | 76.0% | 14.4% | 6.25% |
| Rmc Home MortgageRmc Home Mortgage, LLC | B | Wexford, PA | 2,778 | 72.7% | 4.3% | 6.49% |
| Rms & Associates | – | Las Vegas, NV | 150 | 98.7% | 1.3% | 6.88% |
| Robertson BankingRobertson Banking Company | – | Demopolis, AL | 52 | 82.7% | 9.6% | — |
| Robins Financial | B | Warner Robins, GA | 2,405 | 65.0% | 26.9% | 6.13% |
| Rock Valley Credit Union | C | Loves Park, IL | 166 | 78.9% | 13.9% | 6.66% |
| RockPointBankRockPointBank, National Association | – | Chattanooga, TN | 59 | 76.3% | 3.4% | — |
| Rocket MortgageRocket Mortgage, LLC | C | Plymouth, MI | 601,267 | 71.4% | 18.4% | 6.75% |
| Rockland TrustRockland Trust Company | C | Rockland, MA | 6,320 | 54.1% | 28.5% | 6.99% |
| Rocky Mountain Credit Union | – | Helena, MT | 62 | 80.7% | 17.7% | — |
| Rocky Mountain Law Enforcement Federal Credit Union | – | Denver, CO | 55 | 47.3% | 16.4% | 8.88% |
| Rocky Mountain MortgageRocky Mountain Mortgage Company | C | El Paso, TX | 1,405 | 54.8% | 20.5% | 5.63% |
| Rogue Credit Union | C | Medford, OR | 2,741 | 69.4% | 10.8% | 7.49% |
| Rolling Hills Bank & Trust | – | Atlantic, IA | 69 | 92.8% | 4.4% | — |
| Rollstone Bank & Trust | – | Fitchburg, MA | 34 | 64.7% | 5.9% | — |
| Rome Teachers Federal Credit Union | – | Rome, NY | 50 | 82.0% | 8.0% | 5.75% |
| Rondout Savings Bank | – | Kingston, NY | 89 | 60.7% | 16.9% | — |
| Rosedale Federal Savings and Loan Association | A | Nottingham, MD | 215 | 80.0% | 1.9% | — |
| Ross Mortgage CompanyRoss Mortgage Company, Inc. | B | Westborough, MA | 171 | 78.4% | 5.9% | 6.69% |
| Ross MortgageRoss Mortgage Corporation | B | Troy, MI | 1,385 | 74.7% | 4.0% | 6.63% |
| Round Top State Bank | B | Round Top, TX | 141 | 86.5% | 7.8% | — |
| Roundpoint Mortgage ServicingRoundpoint Mortgage Servicing LLC | B | Fort Mill, SC | 2,370 | 60.3% | 11.3% | 4.50% |
| Route 31 Federal Credit Union | – | Muskegon, MI | 69 | 71.0% | 21.7% | 6.25% |
| Roxboro Savings BankRoxboro Savings Bank SSB | C | Roxboro, NC | 146 | 75.3% | 14.4% | — |
| Royal Bank | C | Elroy, WI | 338 | 73.1% | 11.2% | 7.00% |
| Royal Banks of Missouri | F | University City, MO | 202 | 23.3% | 55.0% | — |
| Royal Business Bank | C | Los Angeles, CA | 999 | 65.4% | 5.7% | 6.50% |
| Royal Credit Union | B | Eau Claire, WI | 6,185 | 76.0% | 10.1% | 6.75% |
| Royal Pacific FundingRoyal Pacific Funding Corp. | B | Costa Mesa, CA | 3,796 | 59.1% | 2.7% | 6.75% |
| Royal United MortgageRoyal United Mortgage LLC | F | Indianapolis, IN | 8,724 | 56.9% | 24.5% | 6.88% |
| Rtn Federal Credit Union | – | Waltham, MA | 103 | 71.8% | 21.4% | 5.99% |
| Ruhl MortgageRuhl Mortgage, LLC | A | Moline, IL | 681 | 81.8% | 0.7% | 6.25% |
| Ruoff Mortgage CompanyRuoff Mortgage Company, Inc. | A | Fort Wayne, IN | 13,157 | 75.5% | 4.7% | 6.75% |
| Russell Country Federal Credit Union | – | Great Falls, MT | 85 | 67.1% | 11.8% | 6.75% |
| Rvr Bank | B | Fremont, NE | 281 | 79.0% | 10.0% | — |
