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 |
|---|---|---|---|---|---|---|
| S&T Bank | B | Indiana, PA | 4,101 | 63.8% | 29.4% | 6.25% |
| S. C. State Federal Credit Union | A | Columbia, SC | 1,615 | 67.9% | 22.5% | 4.50% |
| SACRAMENTO Credit Union | D | Sacramento, CA | 367 | 64.0% | 27.5% | 6.99% |
| SAFE Credit Union | A | Folsom, CA | 1,366 | 72.4% | 8.2% | 5.75% |
| SALAL Credit Union | – | Seattle, WA | 91 | 44.0% | 6.6% | 5.94% |
| SCIENT Federal Credit Union | D | Groton, CT | 120 | 67.5% | 15.0% | 6.63% |
| SEBASTICOOK VALLEY Federal Credit Union | A | Pittsfield, ME | 141 | 98.6% | 1.4% | — |
| SECNY Federal Credit Union | – | Syracuse, NY | 99 | 76.8% | 9.1% | 6.50% |
| SECURITY FIRST Federal Credit Union | – | Edinburg, TX | 90 | 41.1% | 36.7% | 5.70% |
| SELF-HELP Credit Union | D | Durham, NC | 202 | 70.8% | 18.3% | 8.00% |
| SENB Bank | – | Moline, IL | 248 | 84.7% | 4.4% | — |
| SHARON & CRESCENT UNITED Credit Union | B | Sharon, | 514 | 70.0% | 12.1% | 6.00% |
| SIU Credit Union | C | Carbondale, IL | 173 | 66.5% | 8.7% | — |
| SKYONE Federal Credit Union | – | Hawthorne, CA | 113 | 56.6% | 15.0% | 6.06% |
| SMART CHOICE MORTGAGE, A Texas Limited LiabilitySMART CHOICE MORTGAGE, A Texas Limited Liability Company | – | Austin, TX | 96 | 78.1% | 0.0% | 6.38% |
| SOLIDARITY COMMUNITY Federal Credit Union | C | Kokomo, IN | 317 | 60.9% | 18.6% | 7.50% |
| SOVITA Credit Union | – | Flint, MI | 101 | 83.2% | 5.9% | 6.00% |
| SPC Credit Union | – | Hartsville, SC | 79 | 25.3% | 27.9% | 6.63% |
| SRP Federal Credit Union | C | North Augusta, SC | 1,216 | 64.3% | 13.3% | 6.25% |
| SRU Federal Credit Union | – | Slippery Rock, PA | 79 | 74.7% | 13.9% | — |
| SSB Bank | A | Pittsburgh, PA | 131 | 95.4% | 2.3% | — |
| ST. JEAN'S Credit Union | – | Lynn, MA | 68 | 69.1% | 26.5% | — |
| STANFORD Federal Credit Union | A | Palo Alto, CA | 1,315 | 76.8% | 6.6% | 7.25% |
| STAR Financial Bank | C | Fort Wayne, IN | 1,613 | 55.6% | 27.3% | 6.13% |
| STAR ONE Credit Union | B | Sunnyvale, CA | 2,667 | 62.4% | 23.8% | 6.38% |
| STERLING UNITED Federal Credit Union | – | Evansville, IN | 48 | 75.0% | 10.4% | 6.75% |
| STRATA Credit Union | D | Bakersfield, CA | 283 | 59.0% | 32.5% | 7.50% |
| SUN Federal Credit Union | D | Maumee, OH | 761 | 67.4% | 18.4% | 7.63% |
| SUNBELT Federal Credit Union | – | Hattiesburg, MS | 113 | 52.2% | 21.2% | 5.25% |
| SUNWEST Credit Union | – | Pueblo, CO | 30 | 73.3% | 3.3% | 6.44% |
| Sabine Federal Credit Union | D | Orange, TX | 120 | 58.3% | 20.8% | — |
| Sabine State Bank and TrustSabine State Bank and Trust Company | D | Many, LA | 349 | 63.0% | 15.2% | — |
| Saco & Biddeford Savings Institution | C | Saco, ME | 276 | 71.7% | 6.9% | — |
| Saco Valley Credit Union | – | Saco, ME | 81 | 86.4% | 7.4% | 6.75% |
| Safe 1 Credit Union | C | Bakersfield, CA | 391 | 87.7% | 12.3% | 7.50% |
| Safe Federal Credit Union | C | Sumter, SC | 963 | 64.4% | 20.3% | 6.50% |
| Sage Capital Bank | – | Gonzales, TX | 36 | 94.4% | 0.0% | — |
| Sail MortgageSail Mortgage Corp. | – | Wexford, PA | 66 | 92.4% | 0.0% | 6.50% |
| Salem Co-Operative Bank | D | Salem, NH | 124 | 57.3% | 21.8% | — |
| Salem Five Cents Savings Bank | A | Salem, MA | 1,543 | 63.5% | 14.6% | 5.99% |
| Salem Five Mortgage CompanySalem Five Mortgage Company, LLC | A | Salem, MA | 1,728 | 77.7% | 9.7% | 6.25% |
| Salisbury Bank and TrustSalisbury Bank and Trust Company | – | Lakeville, CT | 168 | 75.0% | 6.6% | — |
| Sammamish MortgageSammamish Mortgage Company | A | Bellevue, WA | 1,463 | 69.0% | 2.1% | 6.38% |
| San Antonio Citizens | – | San Antonio, FL | 73 | 48.0% | 26.0% | 7.00% |
| San Diego County Credit Union | F | San Diego, CA | 940 | 47.9% | 29.2% | 8.50% |
| San Diego Funding | – | San Diego, CA | 83 | 72.3% | 2.4% | 6.38% |
| San Francisco Federal Credit Union | A | San Francisco, CA | 242 | 81.8% | 2.9% | 5.86% |
| San Francisco Fire Credit Union | D | San Francisco, CA | 412 | 55.6% | 19.4% | — |
| San Joaquin Power Employees Credit Union | – | Fresno, CA | 46 | 69.6% | 10.9% | 5.48% |
| San Mateo Credit Union | C | Redwood City, CA | 654 | 56.1% | 27.1% | 7.75% |
| San Rafael Coop | – | Quebradillas, | 31 | 77.4% | 6.5% | 6.60% |
| Sanborn MortgageSanborn Mortgage Corporation | – | West Hartford, CT | 46 | 67.4% | 4.4% | 6.50% |
| Sanctuary Home MortgageSanctuary Home Mortgage LLC | B | Alpharetta, GA | 212 | 64.2% | 2.4% | 6.63% |
| Sandia Area | F | Albuquerque, NM | 736 | 57.9% | 25.1% | — |
| Sandy Spring Bank | – | Olney, MD | 2,784 | 66.2% | 14.8% | 7.49% |
| Sanibel Captiva Community Bank | – | Sanibel, FL | 133 | 62.4% | 3.0% | 8.50% |
| Santa Barbara Teachers Federal Credit Union | – | Santa Barbara, CA | 36 | 80.6% | 5.6% | — |
| Santa Cruz Community Credit Union | – | Santa Cruz, CA | 67 | 35.8% | 10.5% | — |
| Santander BankSantander Bank, N.A. | – | Boston, MA | 86 | 81.4% | 5.8% | 5.60% |
| Saratoga National Bank and TrustSaratoga National Bank and Trust Company | – | Saratoga Springs, NY | 630 | 66.0% | 15.6% | 6.25% |
| Saratoga's Community Federal Credit Union | – | Saratoga Springs, NY | 74 | 70.3% | 21.6% | 2.99% |
| Sauk Valley Bank & TrustSauk Valley Bank & Trust Company | B | Sterling, IL | 281 | 80.8% | 7.8% | — |
| Savannah BankSavannah Bank National Association | – | Savannah, NY | 38 | 55.3% | 18.4% | — |
| Savers Co-operative Bank | B | Southbridge, MA | 118 | 84.8% | 5.1% | — |
| SaviBank | – | Burlington, WA | 74 | 75.7% | 8.1% | — |
| Sawyer Savings Bank | – | Saugerties, NY | 83 | 73.5% | 8.4% | — |
| SayGO Home LoansSayGO Home Loans, LLC | C | Scottsdale, AZ | 2,469 | 27.4% | 8.8% | 5.50% |
| Scenic Oaks FundingScenic Oaks Funding, LLC | A | Modesto, CA | 1,451 | 73.7% | 3.0% | 6.50% |
| Schaumburg Bank & Trust CompanySchaumburg Bank & Trust Company, National Association | – | Chicago, IL | 65 | 84.6% | 1.5% | — |
| Schlumberger Employees Credit Union | – | Sugar Land, TX | 85 | 88.2% | 0.0% | 6.25% |
| Schoolsfirst | A | Tustin, CA | 19,086 | 74.5% | 10.0% | 6.25% |
| Schumacher MortgageSchumacher Mortgage LLC | A | Canton, OH | 592 | 78.7% | 2.2% | 5.38% |
| Schuyler Savings Bank | – | Kearny, NJ | 47 | 55.3% | 27.7% | 6.25% |
| Scott Credit Union | C | Edwardsville, IL | 1,449 | 67.6% | 20.6% | 6.50% |
| Scott State Bank | – | Bethany, IL | 86 | 76.7% | 20.9% | — |
| Sea Comm | C | Massena, NY | 157 | 82.8% | 15.9% | — |
| Sea West Coast Guard Federal Credit Union | – | Oakland, CA | 80 | 51.3% | 18.8% | 3.99% |
| Seaboard Federal Credit Union | C | Bucksport, ME | 197 | 72.6% | 27.4% | 7.50% |
| Seacoast National Bank | D | Stuart, FL | 2,661 | 54.6% | 31.0% | 7.25% |
| Seamen's Bank | – | Provincetown, MA | 101 | 70.3% | 10.9% | — |
| Seasons Federal Credit Union | C | Middletown, CT | 200 | 76.0% | 14.0% | — |
| Seattle Metropolitan Credit Union | F | Seattle, WA | 303 | 18.5% | 18.8% | 7.00% |
| Secured InvestmentSecured Investment Corp. | – | Coeur D'Alene, ID | 2,051 | 12.6% | 0.0% | 12.49% |
| Security Bank | – | Tulsa, OK | 73 | 84.9% | 1.4% | — |
| Security Bank | – | New Auburn, WI | 92 | 80.4% | 6.5% | — |
| Security Bank | – | Laurel, NE | 47 | 76.6% | 12.8% | — |
| Security Bank | A | Newbern, TN | 113 | 95.6% | 0.0% | — |
| Security Bank & TrustSecurity Bank & Trust Company | B | Glencoe, MN | 119 | 95.8% | 2.5% | — |
| Security Bank and TrustSecurity Bank and Trust Company | C | Paris, TN | 174 | 72.4% | 6.9% | — |
| Security Bank of Kansas City | – | Kansas City, KS | 101 | 60.4% | 11.9% | — |
| Security Bank, s.b. | B | Springfield, IL | 116 | 82.8% | 5.2% | — |
| Security Credit Union | C | Grand Blanc, MI | 344 | 57.0% | 25.0% | 6.63% |
| Security Federal Bank | B | Aiken, SC | 352 | 69.3% | 8.5% | 6.49% |
| Security Federal Savings Bank | B | Logansport, IN | 523 | 84.9% | 7.1% | 6.56% |
| Security Financial Bank | B | Durand, WI | 196 | 79.6% | 7.1% | — |
| Security First Bank | A | Rapid City, SD | 443 | 86.2% | 2.9% | 6.75% |
| Security First Bank of North Dakota | – | New Salem, ND | 60 | 93.3% | 1.7% | — |
| Security Home Mortgage, LLC. | A | Orem, UT | 688 | 87.1% | 1.5% | 6.50% |
| Security National Bank of Omaha | C | Omaha, NE | 155 | 58.1% | 7.1% | — |
| Security National Bank of South Dakota | – | North Sioux City, SD | 107 | 50.5% | 16.8% | — |
| Security Savings Bank | – | Gowrie, IA | 49 | 91.8% | 4.1% | — |
| Security Savings Bank | – | Canton, SD | 76 | 82.9% | 10.5% | — |
| Security Service Federal Credit Union | C | San Antonio, TX | 7,518 | 48.4% | 22.3% | 6.99% |
| Security State Bank | A | Sutherland, IA | 111 | 98.2% | 0.9% | — |
| Security State Bank & Trust | B | Fredericksburg, TX | 376 | 66.8% | 5.6% | 6.88% |
| Security State Bank of Marine | A | Marine On St. Croix, MN | 104 | 86.5% | 6.7% | — |
| Securitynational MortgageSecuritynational Mortgage Company | D | Salt Lake City, UT | 9,801 | 60.2% | 10.1% | 6.75% |
| Securityplus | A | Baltimore, MD | 109 | 96.3% | 3.7% | 5.50% |
| Sefcu ServicesSefcu Services, LLC | A | Albany, NY | 2,747 | 85.0% | 1.9% | 6.13% |
| Selco Community | C | Springfield, OR | 2,069 | 57.2% | 30.7% | 7.25% |
| Select Bank | B | Forest, VA | 118 | 88.1% | 1.7% | — |
| Select Lending ServicesSelect Lending Services LLC | B | Lake Oswego, OR | 1,345 | 66.9% | 3.4% | 6.75% |
| Self Reliance NY | B | New York, NY | 518 | 80.1% | 10.2% | 6.25% |
| Self-Help Federal Credit Union | C | Durham, NC | 440 | 74.3% | 13.0% | 8.13% |
| Selfreliance Federal Credit Union | A | Chicago, IL | 256 | 91.8% | 0.4% | — |
| Semper Home LoansSemper Home Loans, Inc. | C | Wilmington, DE | 523 | 79.4% | 5.0% | 6.63% |
| Seneca Savings | – | Baldwinsville, NY | 107 | 74.8% | 12.2% | — |
| Senior Mortgage BankersSenior Mortgage Bankers Inc. | D | San Juan, | 207 | 69.1% | 16.4% | 6.25% |
| Sente MortgageSente Mortgage, Inc. | C | Austin, TX | 1,572 | 57.0% | 2.0% | 6.63% |
| Sentinel Federal Credit Union | – | Rapid City, SD | 42 | 83.3% | 2.4% | — |
| Sentry Bank | A | St Joseph, MN | 105 | 91.4% | 1.0% | — |
| Serve Credit Union | – | Des Moines, IA | 67 | 74.6% | 10.5% | 7.50% |
| Service 1st | A | Danville, PA | 832 | 90.6% | 6.9% | 7.50% |
| Service Federal Credit Union | C | Portsmouth, NH | 3,882 | 53.4% | 24.6% | 6.49% |
| Service First Federal Credit Union | B | Sioux Falls, SD | 191 | 78.0% | 6.3% | — |
| Service One Credit UnionService One Credit Union, Inc. | – | Bowling Green, KY | 50 | 66.0% | 10.0% | 6.38% |
| ServionServion, Inc. | B | New Brighton, MN | 2,210 | 72.8% | 5.3% | 6.50% |
| Servis OneServis One, Inc. | C | Irving, TX | 602 | 38.7% | 12.8% | 6.25% |
| ServisFirst Bank | A | Birmingham, AL | 1,792 | 81.7% | 3.2% | 6.88% |
| Servu Federal Credit Union | C | Painted Post, NY | 616 | 76.1% | 11.5% | — |
| Sesloc | C | San Luis Obispo, CA | 802 | 60.4% | 26.3% | 7.50% |
| Settlement Home LendingSettlement Home Lending, LLC | – | Charleston, SC | 404 | 82.2% | 2.7% | 6.88% |
| Settlers Bank | – | Windsor, WI | 78 | 88.5% | 0.0% | 5.88% |
| Seven Seventeen Credit Union | C | Warren, OH | 2,600 | 64.1% | 17.9% | 7.00% |
| SfmcSfmc, LP | B | Plano, TX | 4,910 | 68.7% | 4.8% | 6.25% |
| Shamrock BankShamrock Bank, N.A. | – | Coal, OK | 87 | 97.7% | 0.0% | — |
| Shamrock Home LoansShamrock Home Loans, Inc. | – | East Providence, RI | 1,252 | 70.9% | 8.0% | 6.63% |
| Sharefax Credit Union | C | Cincinnati, OH | 215 | 68.8% | 13.5% | — |
| Sharepoint Credit Union | C | Bloomington, MN | 178 | 68.5% | 10.7% | 6.99% |
| Sharon Bank | – | Springfield, PA | 47 | 87.2% | 8.5% | — |
| Sharonview Federal Credit Union | D | Fort Mill, SC | 1,090 | 43.2% | 49.8% | 7.50% |
| Shea MortgageShea Mortgage Inc. | A | Walnut, CA | 1,453 | 77.4% | 1.8% | 6.25% |
| Sheboygan Area Credit Union | – | Sheboygan, WI | 82 | 86.6% | 7.3% | — |
| Shelby Savings BankShelby Savings Bank, SSB | C | Center, TX | 140 | 57.9% | 8.6% | — |
| Shell Federal Credit Union | D | Deer Park, TX | 1,703 | 44.3% | 40.4% | 6.75% |
| Shelter Home MortgageShelter Home Mortgage, LLC | C | Atlanta, GA | 515 | 62.7% | 5.1% | 6.63% |
| Shelter Lending ServicesShelter Lending Services, L.l.c. | A | Grafton, WI | 151 | 74.8% | 0.0% | 6.63% |
| Sherburne State Bank | A | Becker, MN | 249 | 86.8% | 3.2% | — |
| Sherwood Community Bank | – | Creighton, MO | 67 | 80.6% | 13.4% | — |
| Shinhan Bank America | A | New York, NY | 245 | 80.8% | 2.9% | — |
| Shore United BankShore United Bank, N.A. | C | Easton, MD | 1,876 | 68.6% | 13.8% | 6.50% |
| Shoreline Credit Union | C | Manitowoc, WI | 197 | 75.1% | 9.1% | 6.68% |
| Shrewsbury Federal Credit Union | – | Shrewsbury, MA | 46 | 50.0% | 15.2% | — |
| Sibcy Cline Mortgage ServicesSibcy Cline Mortgage Services, Inc. | C | Cincinnati, OH | 408 | 64.5% | 5.2% | 6.63% |
| Sidney Federal Credit Union | B | Sidney, NY | 1,493 | 71.6% | 12.2% | 6.25% |
| Sidney State Bank | – | Sidney, MI | 79 | 83.5% | 7.6% | — |
| Sierra Central Credit Union | D | Yuba City, CA | 714 | 58.8% | 24.0% | 7.75% |
| Sierra Lending GroupSierra Lending Group, LLC | – | Houston, TX | 30 | 80.0% | 6.7% | 8.49% |
| Sierra Pacific Mortgage CompanySierra Pacific Mortgage Company, Inc. | C | Folsom, CA | 10,545 | 70.5% | 8.2% | 6.63% |
| Signal Financial Federal Credit Union | – | Kensington, MD | 119 | 67.2% | 14.3% | 7.49% |
| Signature Bank of Arkansas | A | Fayetteville, AR | 516 | 81.8% | 3.5% | — |
| Signature BankSignature Bank, National Association | – | Toledo, OH | 80 | 93.8% | 3.8% | — |
| Signature Federal Credit Union | F | Alexandria, VA | 736 | 35.1% | 19.7% | 8.00% |
| Sikorsky Financial Credit Union | D | Stratford, CT | 1,836 | 62.8% | 20.4% | 7.24% |
| Silver Hill FundingSilver Hill Funding, LLC | F | Coral Gables, FL | 782 | 26.2% | 17.3% | 8.38% |
| Silver Lake Bank | B | Topeka, KS | 190 | 86.8% | 5.8% | — |
| Silver State Schools Service CompanySilver State Schools Service Company, LLC | C | Las Vegas, NV | 852 | 67.4% | 26.3% | 5.99% |
| Simmons Bank | C | Pine Bluff, AR | 4,871 | 64.2% | 23.5% | 6.38% |
| SimpliFi Mortgage Las VegasSimpliFi Mortgage Las Vegas, LLC | – | Las Vegas, NV | 26 | 76.9% | 0.0% | 6.69% |
| Simplicity | C | Marshfield, WI | 738 | 72.0% | 11.5% | 7.00% |
| Simplifi MortgageSimplifi Mortgage, LLC | – | Las Vegas, NV | 35 | 68.6% | 0.0% | 6.81% |
| Simply Bank | – | Spring City, TN | 33 | 72.7% | 12.1% | 8.00% |
| Singing River Federal Credit Union | – | Moss Point, MS | 93 | 71.0% | 14.0% | — |
| Siouxland Federal Credit Union | C | South Sioux City, NE | 298 | 74.2% | 15.1% | 5.99% |
| Sirva MortgageSirva Mortgage, Inc. | A | Seven Hills, OH | 1,746 | 69.8% | 2.2% | 6.63% |
| Sis Bancorp, MHC | B | Sanford, ME | 424 | 81.1% | 7.8% | 7.50% |
| Sistar Mortgage | – | Shelby Township, MI | 930 | 69.0% | 0.0% | 6.88% |
| SiwellSiwell, Inc. | – | Lubbock, TX | 98 | 64.3% | 1.0% | 6.75% |
| Sk Global InvestmentSk Global Investment, Inc. | – | Los Angeles, CA | 42 | 64.3% | 4.8% | 6.88% |
| Skowhegan Savings Bank | D | Skowhegan, ME | 308 | 60.4% | 22.4% | — |
| SkyPoint Federal Credit Union | – | Germantown, MD | 65 | 46.2% | 33.9% | 6.99% |
| Skyla Federal Credit Union | D | Charlotte, NC | 1,753 | 49.1% | 36.1% | 7.50% |
| Skyline National Bank | B | Independence, VA | 768 | 88.0% | 5.3% | — |
| Skyrock MortgageSkyrock Mortgage Corp | A | Rutherford, NJ | 380 | 80.0% | 0.5% | 6.63% |
| Skyward Credit Union | – | Wichita, KS | 126 | 27.8% | 27.0% | 6.88% |
| Slovenian Savings & Loan Association of Franklin-Conemaugh | – | Conemaugh Township, PA | 80 | 87.5% | 5.0% | — |
| Slovenian Savings and Loan Association of Canonsburg | A | Strabane, PA | 197 | 95.9% | 0.5% | — |
| Smart Financial Credit Union | D | Houston, TX | 370 | 48.4% | 34.9% | 6.50% |
| SmartBank | B | Pigeon Forge, TN | 1,369 | 74.9% | 12.4% | 7.25% |
| SmartFi Home LoansSmartFi Home Loans, LLC | D | Medina, OH | 1,644 | 67.9% | 21.7% | 8.98% |
| SnapfiSnapfi, Inc. | – | San Jose, CA | 52 | 96.2% | 0.0% | 6.56% |
| Sofi BankSofi Bank, National Association | D | Cottonwood Heights, UT | 55,546 | 29.2% | 9.1% | 7.54% |
| Solarity Credit Union | F | Yakima, WA | 530 | 51.5% | 31.7% | 7.75% |
| Solera National Bank | – | Lakewood, CO | 48 | 91.7% | 0.0% | 7.00% |
| Solvay Bank | B | Solvay, NY | 260 | 82.3% | 5.8% | — |
| Somerset Federal Credit Union | C | Somerset, MA | 324 | 70.1% | 10.8% | 6.25% |
| Somerset Regal Bank | A | Newark, NJ | 242 | 83.1% | 3.3% | — |
| Somerset TrustSomerset Trust Company | A | Somerset, PA | 1,285 | 83.7% | 9.1% | 6.00% |
| Somerville Bank | B | Eaton, OH | 112 | 75.9% | 8.9% | — |
| Sooner State Bank | A | Tuttle, OK | 129 | 98.5% | 0.8% | — |
| Sound Community Bank | D | Seattle, WA | 271 | 66.4% | 23.6% | 8.13% |
| Sound Credit Union | D | Tacoma, WA | 1,660 | 47.8% | 27.0% | 7.25% |
| Sourceone FinancialSourceone Financial, Inc. | – | Alpine, UT | 72 | 43.1% | 41.7% | 11.00% |
| South Atlantic Bank | B | Myrtle Beach, SC | 321 | 78.5% | 4.1% | — |
| South Carolina Federal Credit Union | F | North Charleston, SC | 1,660 | 56.9% | 10.8% | 7.63% |
| South Central BankSouth Central Bank, Inc. | B | Glasgow, KY | 1,849 | 77.3% | 6.7% | 7.25% |
| South Coast Bank & Trust | – | Brunswick, GA | 66 | 83.3% | 10.6% | — |
| South Georgia Bank | B | Glennville, GA | 134 | 91.8% | 2.2% | — |
| South Georgia BankingSouth Georgia Banking Company | C | Omega, GA | 164 | 86.0% | 6.1% | — |
| South Lafourche Bank & TrustSouth Lafourche Bank & Trust Company | – | Larose, LA | 65 | 64.6% | 12.3% | — |
| South Louisiana Bank | – | Houma, LA | 70 | 90.0% | 5.7% | — |
| South Metro Federal Credit Union | – | Prior Lake, MN | 88 | 79.6% | 8.0% | 6.13% |
| South River MortgageSouth River Mortgage, LLC | A | Annapolis, MD | 3,718 | 38.8% | 1.6% | 7.00% |
| South Story Bank & Trust | A | Slater, IA | 114 | 93.0% | 1.8% | — |
| SouthEast Bank | A | Farragut, TN | 494 | 78.5% | 11.1% | 7.50% |
| SouthPoint Bank | B | Birmingham, AL | 834 | 75.8% | 3.4% | 6.25% |
| SouthStar Bank, S.S.B. | D | Moulton, TX | 247 | 57.5% | 16.2% | — |
| SouthState BankSouthState Bank, National Association | B | Winter Haven, FL | 15,429 | 64.6% | 20.2% | 6.63% |
| SouthTrust BankSouthTrust Bank, N.A. | – | George West, TX | 60 | 71.7% | 11.7% | — |
| Southbridge Credit Union | – | Southbridge, MA | 103 | 55.3% | 21.4% | — |
| Southcoast Federal Credit Union | – | New Bedford, MA | 72 | 81.9% | 13.9% | 5.50% |
| Southeast Financial | – | Franklin, TN | 101 | 41.6% | 17.8% | 7.13% |
| Southeast First National Bank | – | Summerville, GA | 27 | 100.0% | 0.0% | — |
| Southeast Mortgage of GeorgiaSoutheast Mortgage of Georgia, Inc. | B | Duluth, GA | 2,096 | 68.0% | 2.1% | 6.50% |
| Southeastern Bank | B | Darien, GA | 237 | 91.6% | 2.1% | — |
| Southeastern Credit Union | B | Valdosta, GA | 127 | 92.1% | 3.2% | 7.50% |
| Southern Bancorp Bank | C | Arkadelphia, AR | 1,243 | 63.9% | 10.1% | 7.50% |
| Southern Bank | – | Sardis, GA | 31 | 67.7% | 22.6% | — |
| Southern Bank | A | Poplar Bluff, MO | 1,776 | 83.7% | 5.2% | 7.45% |
| Southern Bank and TrustSouthern Bank and Trust Company | A | Mount Olive, NC | 1,930 | 80.7% | 12.3% | 7.25% |
| Southern Bank of Tennessee | B | Mount Juliet, TN | 206 | 80.1% | 2.9% | — |
| Southern First Bank | B | Greenville, SC | 1,770 | 75.8% | 11.1% | 6.88% |
| Southern Heritage Bank | C | Jonesville, LA | 353 | 84.1% | 7.1% | — |
| Southern Hills Community Bank | – | Leesburg, OH | 71 | 73.2% | 21.1% | — |
| Southern Lending ServicesSouthern Lending Services, Ltd. | A | Houston, TX | 338 | 81.4% | 1.2% | 5.75% |
| Southern Michigan Bank & Trust | C | Coldwater, MI | 470 | 73.2% | 12.6% | — |
| Southern States Bank | – | Anniston, AL | 193 | 75.1% | 10.4% | — |
| Southern Trust MortgageSouthern Trust Mortgage, LLC | B | Virginia Beach, VA | 2,842 | 73.8% | 3.1% | 6.50% |
| SouthernTrust Bank | – | Marion, IL | 111 | 86.5% | 3.6% | — |
| Southland Credit Union | D | Los Alamitos, CA | 607 | 47.9% | 31.0% | 7.50% |
| Southpoint Financial | C | Sleepy Eye, MN | 418 | 74.4% | 9.6% | — |
| Southpoint Financial ServicesSouthpoint Financial Services, Inc. | – | Alpharetta, GA | 689 | 74.6% | 1.5% | 6.63% |
| Southside Bank | F | Tyler, TX | 743 | 42.0% | 31.0% | 6.88% |
| Southwest Airlines Federal Credit Union | B | Dallas, TX | 449 | 67.5% | 32.1% | 5.75% |
| Southwest Financial Federal Credit Union | – | Farmers Branch, TX | 26 | 88.5% | 11.5% | 7.64% |
| Southwest FundingSouthwest Funding, LP | C | Dallas, TX | 2,640 | 65.9% | 5.3% | 6.63% |
| Southwest Louisiana Credit Union | D | Lake Charles, LA | 106 | 73.6% | 24.5% | 7.45% |
| Southwest Missouri Bank | C | Carthage, MO | 781 | 79.1% | 11.4% | 7.75% |
| Southwest National Bank | – | Wichita, KS | 50 | 98.0% | 0.0% | — |
| Southwest Stage FundingSouthwest Stage Funding, LLC | F | Chandler, AZ | 11,701 | 23.5% | 9.7% | 7.90% |
| Southwestern National Bank | B | Houston, TX | 111 | 89.2% | 3.6% | — |
| Sovereign Bank | A | Shawnee, OK | 538 | 90.2% | 1.9% | 6.99% |
| Sovereign Lending GroupSovereign Lending Group Incorporated | – | Costa Mesa, CA | 51 | 47.1% | 3.9% | 5.81% |
| Space Age Credit Union | – | Aurora, CO | 40 | 77.5% | 0.0% | 7.49% |
| Space Coast Credit Union | C | Melbourne, FL | 12,008 | 49.1% | 30.0% | 5.50% |
| Specialized Loan ServicingSpecialized Loan Servicing LLC | – | Greenwood Village, CO | 50 | 20.0% | 56.0% | 7.00% |
| Spectra Credit Union | D | Alexandria, VA | 191 | 57.1% | 25.7% | 8.00% |
| Spencer Savings Bank, SLA | D | Elmwood Park, NJ | 330 | 62.7% | 14.2% | — |
| Spero Financial | C | Greenville, SC | 502 | 80.3% | 13.0% | — |
| Spirit Financial Credit Union | – | Levittown, PA | 29 | 58.6% | 17.2% | — |
| Spirit of Alaska | – | Fairbanks, AK | 101 | 34.7% | 25.7% | — |
| SpiritBank | – | Tulsa, OK | 61 | 90.2% | 4.9% | — |
| Spokane Firefighters Credit Union | – | Spokane, WA | 88 | 68.2% | 3.4% | 7.50% |
| Spokane Teachers | D | Liberty Lake, WA | 4,298 | 55.3% | 21.3% | 7.00% |
| Spratt Savings Bank | – | Chester, SC | 36 | 58.3% | 25.0% | — |
| Spring Bank | – | Brookfield, WI | 30 | 76.7% | 0.0% | — |
| Spring EqSpring Eq, LLC | D | Conshohocken, PA | 108,788 | 29.6% | 51.2% | 9.20% |
| Spring Hill State Bank | – | Longview, TX | 118 | 67.0% | 12.7% | — |
| Spring Valley Bank | – | Wyoming, OH | 95 | 68.4% | 17.9% | — |
| St FinSt Fin Corp. | – | Laguna Hills, CA | 276 | 63.4% | 8.3% | 6.63% |
| St James MortgageSt James Mortgage Corporation | – | Bloomfield Hills, MI | 30 | 86.7% | 0.0% | 6.50% |
| St Landry Bank & TrustSt Landry Bank & Trust Company | – | Opelousas, LA | 42 | 95.2% | 4.8% | — |
| St. Anne's Credit Union | C | Fall River, MA | 580 | 60.9% | 25.3% | 7.24% |
| St. Charles Bank & Trust CompanySt. Charles Bank & Trust Company, National Association | – | St. Charles, IL | 115 | 75.7% | 3.5% | — |
| St. Cloud Financial | B | Sartell, MN | 383 | 83.0% | 9.1% | 6.10% |
| St. Johns Bank and TrustSt. Johns Bank and Trust Company | – | Saint Louis, MO | 44 | 93.2% | 2.3% | — |
| St. Josephs Canton Parish | – | Canton, OH | 44 | 59.1% | 25.0% | 6.63% |
| St. Mary's Bank Credit Union | B | Manchester, NH | 1,543 | 63.3% | 21.3% | 7.25% |
| St. Mary's Credit Union | C | Marlborough, MA | 271 | 68.6% | 12.9% | 6.50% |
| St. Paul Federal Credit Union | – | Saint Paul, MN | 79 | 78.5% | 6.3% | — |
| Stafford Savings Bank | – | Stafford, CT | 42 | 97.6% | 2.4% | 6.38% |
| StanCorp Mortgage InvestorsStanCorp Mortgage Investors, LLC | C | Hillsboro, OR | 114 | 83.3% | 11.4% | 6.50% |
| Standard MortgageStandard Mortgage Corporation | C | New Orleans, LA | 776 | 63.4% | 9.5% | 6.38% |
| Star Bank | – | Maple Lake, MN | 95 | 89.5% | 5.3% | — |
| Star Choice Credit Union | – | Bloomington, MN | 35 | 77.1% | 2.9% | 6.25% |
| Star USA Federal Credit Union | – | Charleston, WV | 54 | 29.6% | 5.6% | 6.25% |
| Starboard Financial ManagementStarboard Financial Management, LLC | B | Gilbert, AZ | 342 | 72.8% | 0.6% | 6.75% |
| Starion Bank | B | Bismarck, ND | 284 | 77.1% | 2.5% | 6.50% |
| Stark | C | Canton, OH | 128 | 87.5% | 3.1% | 7.74% |
| State Bank | – | Waterloo, IL | 100 | 73.0% | 15.0% | — |
| State Bank | – | Brownsburg, IN | 90 | 43.3% | 10.0% | — |
| State Bank Financial | – | La Crosse, WI | 103 | 91.3% | 0.0% | — |
| State Bank of Bement | – | Bement, IL | 43 | 62.8% | 7.0% | — |
| State Bank of Chilton | – | Chilton, WI | 72 | 88.9% | 2.8% | — |
| State Bank of De Kalb | B | De Kalb, TX | 177 | 81.9% | 7.9% | — |
| State Bank of Missouri | – | Concordia, MO | 44 | 95.5% | 4.6% | — |
| State Bank of Newburg | – | Newburg, WI | 102 | 84.3% | 2.9% | — |
| State Bank of Southern Utah | A | Cedar City, UT | 814 | 74.1% | 10.1% | 7.50% |
| State Bank of Southwest Missouri | – | Springfield, MO | 74 | 87.8% | 1.4% | — |
| State Bank of Table Rock | – | Table Rock, NE | 78 | 92.3% | 7.7% | — |
| State Bank of Toulon | – | Toulon, IL | 85 | 91.8% | 4.7% | — |
| State Bank of the LakesState Bank of the Lakes, N.A. | A | Antioch, IL | 115 | 85.2% | 3.5% | — |
| State Department Federal Credit Union | C | Alexandria, VA | 1,167 | 48.2% | 25.0% | 6.99% |
| State Employees Credit Union | D | Santa Fe, NM | 423 | 59.1% | 19.2% | 7.25% |
| State Employees Credit Union of MarylandState Employees Credit Union of Maryland, Incorporated | D | Linthicum, MD | 6,290 | 44.7% | 43.7% | 6.13% |
| State Employees' | C | Raleigh, NC | 49,354 | 57.5% | 25.2% | 6.25% |
| State Financial NetworkState Financial Network, LLC | A | Philadelphia, PA | 216 | 91.7% | 2.8% | 6.38% |
| State Savings Bank | – | West Des Moines, IA | 56 | 76.8% | 10.7% | — |
| State Savings Bank | B | Frankfort, MI | 211 | 82.5% | 7.1% | — |
| Staunton FinancialStaunton Financial, Inc. | B | Southfield, MI | 2,916 | 86.4% | 4.7% | 6.63% |
| Stellar Bank | D | Houston, TX | 641 | 43.8% | 29.3% | 7.18% |
| Sterling Bank | – | Poplar Bluff, MO | 94 | 83.0% | 13.8% | — |
| Sterling State Bank | – | Austin, MN | 30 | 83.3% | 10.0% | — |
| Stg MortgageStg Mortgage Inc. | C | Irvine, CA | 5,153 | 54.0% | 8.1% | 6.50% |
| Stifel Bank and Trust | A | Saint Louis, MO | 5,127 | 87.7% | 2.1% | 6.13% |
| Stillman BancCorpStillman BancCorp N.A. | C | Stillman Valley, IL | 297 | 75.4% | 10.4% | 6.63% |
| Stock Yards Bank & TrustStock Yards Bank & Trust Company | B | Louisville, KY | 3,754 | 67.6% | 18.8% | 6.50% |
| Stockman Bank of Montana | B | Miles City, MT | 2,928 | 75.0% | 6.3% | 6.88% |
| Stockmans Bank | – | Altus, OK | 38 | 73.7% | 15.8% | — |
| Stockmens Bank | A | Colorado Springs, CO | 176 | 86.9% | 4.0% | — |
| Stockton MortgageStockton Mortgage Corporation | D | Frankfort, KY | 11,060 | 64.6% | 7.9% | 6.63% |
| Stone Bank | – | Little Rock, AR | 95 | 97.9% | 2.1% | — |
| Stone Meadow LendingStone Meadow Lending, LLC | A | Houston, TX | 466 | 81.8% | 3.7% | 5.75% |
| StonehamBank, A Co-operative Bank | – | Stoneham, MA | 116 | 67.2% | 16.4% | — |
| Stonewood Home LendingStonewood Home Lending, LLC | A | Mcallen, TX | 552 | 81.7% | 1.5% | 5.75% |
| Stoughton Co-operative Bank | – | Stoughton, MA | 43 | 60.5% | 4.7% | — |
| Strategic FundingStrategic Funding, LP | D | Forest, VA | 166 | 68.7% | 31.3% | 13.50% |
| Streator Onized Credit Union | D | Streator, IL | 208 | 64.9% | 25.5% | — |
| Stride BankStride Bank, National Association | A | Enid, OK | 2,212 | 80.2% | 2.7% | 6.50% |
| Strong Home MortgageStrong Home Mortgage, LLC | B | Manassas, VA | 1,455 | 48.5% | 7.4% | 6.13% |
| Stryv Bank | – | Wichita, KS | 53 | 88.7% | 1.9% | — |
| Studio Bank | A | Nashville, TN | 249 | 73.1% | 2.0% | 6.63% |
| Sturdy Savings Bank | B | Cape May Court House, NJ | 166 | 83.1% | 4.2% | — |
| Sturgis Bank & TrustSturgis Bank & Trust Company | A | Sturgis, MI | 875 | 84.0% | 3.3% | 6.85% |
| Success Federal Credit Union | – | Blytheville, AR | 72 | 84.7% | 8.3% | 6.84% |
| Success LendingSuccess Lending, LLC | D | Dover, DE | 1,407 | 62.2% | 14.4% | 6.50% |
| Success Mortgage PartnersSuccess Mortgage Partners, Inc. | B | Plymouth, MI | 5,690 | 74.5% | 2.0% | 6.63% |
| Suffolk | C | Medford, NY | 2,337 | 51.5% | 30.5% | 5.99% |
| Sullivan Bank | A | Sullivan, MO | 493 | 92.9% | 1.6% | 7.50% |
| Suma | – | Yonkers, NY | 88 | 93.2% | 0.0% | — |
| Summit Community BankSummit Community Bank, Inc | – | Moorefield, WV | 293 | 73.0% | 11.6% | 7.75% |
| Summit Credit Union | C | Greensboro, NC | 334 | 82.3% | 16.5% | — |
| Summit Credit Union | A | Cottage Grove, WI | 15,649 | 72.9% | 13.9% | 6.75% |
| Summit FundingSummit Funding, Inc. | C | Sacramento, CA | 8,405 | 68.5% | 5.8% | 6.75% |
| Summit Home MortgageSummit Home Mortgage, LLC | – | Kalamazoo, MI | 76 | 80.3% | 2.6% | 6.63% |
| Summit Mortgage BankersSummit Mortgage Bankers Inc. | A | New York, | 543 | 86.2% | 1.7% | 6.50% |
| Summit MortgageSummit Mortgage Corporation | B | Plymouth, MN | 1,798 | 76.2% | 3.8% | 6.63% |
| Summit MortgageSummit Mortgage Corporation | B | Portland, OR | 673 | 68.8% | 2.2% | 6.49% |
| Sun American MortgageSun American Mortgage Company | B | Mesa, AZ | 1,028 | 67.8% | 1.8% | 6.49% |
| Sun Community Federal Credit Union | – | El Centro, CA | 110 | 81.8% | 4.6% | 7.25% |
| Sun East Federal Credit Union | B | Aston, PA | 990 | 58.3% | 22.9% | 4.99% |
| Sun West Mortgage CompanySun West Mortgage Company, Inc. | B | Cerritos, CA | 16,270 | 54.8% | 12.9% | 6.25% |
| SunMark Community Bank | B | Hawkinsville, GA | 153 | 89.5% | 1.3% | — |
| SunWest Federal Credit Union | C | Phoenix, AZ | 211 | 73.5% | 21.8% | — |
| Suncoast Credit Union | C | Tampa, FL | 12,969 | 64.9% | 20.0% | 7.25% |
| Sundae FundingSundae Funding, Inc. | – | Dover, DE | 529 | 97.0% | 0.0% | 10.50% |
| Sunflower BankSunflower Bank, National Association | B | Dallas, TX | 5,231 | 68.2% | 4.2% | 6.49% |
| Sunmark Credit Union | C | Albany, NY | 1,376 | 67.8% | 11.2% | 6.63% |
| Sunrise BanksSunrise Banks, National Association | C | Saint Paul, MN | 291 | 79.0% | 12.0% | — |
| Sunrise Family Credit Union | – | Bay City, MI | 64 | 95.3% | 3.1% | 5.75% |
| Sunset Science Park Federal Credit Union | – | Portland, OR | 37 | 94.6% | 5.4% | 6.50% |
| Sunward Federal Credit Union | B | Albuquerque, NM | 2,356 | 67.1% | 7.5% | 6.38% |
| Sunwest Bank | – | Sandy, UT | 76 | 100.0% | 0.0% | — |
| Superior Choice Credit Union | B | Superior, WI | 581 | 66.4% | 20.3% | 5.88% |
| Superior Credit Union | – | Collegeville, PA | 62 | 66.1% | 27.4% | 8.24% |
| Superior Credit UnionSuperior Credit Union, Inc. | D | Lima, OH | 3,861 | 58.4% | 12.6% | 6.50% |
| Superior Financial SolutionsSuperior Financial Solutions, LLC | C | Lima, OH | 327 | 37.0% | 2.5% | 6.50% |
| Superior National Bank | B | Hancock, MI | 859 | 86.3% | 3.0% | 6.63% |
| Superior Savings Bank | – | Superior, WI | 94 | 91.5% | 4.3% | — |
| Susquehanna Community Bank | A | West Milton, PA | 146 | 88.4% | 3.4% | — |
| Susser Bank | B | Arlington, TX | 467 | 72.2% | 3.6% | 6.75% |
| Sutton Bank | – | Attica, OH | 26 | 88.5% | 7.7% | — |
| Swbc MortgageSwbc Mortgage Corporation | A | San Antonio, TX | 8,506 | 75.7% | 3.4% | 6.63% |
| Swh FundingSwh Funding, LLC | – | Phoenix, AZ | 79 | 98.7% | 0.0% | 12.90% |
| Synergy Bank | C | Houma, LA | 420 | 83.8% | 4.8% | — |
| Synergy Federal Credit Union | – | San Antonio, TX | 120 | 72.5% | 5.0% | — |
| Synergy Home MortgageSynergy Home Mortgage, LLC | – | Reno, NV | 58 | 84.5% | 0.0% | 6.63% |
| Synergy One LendingSynergy One Lending, Inc. | C | San Diego, CA | 11,752 | 69.1% | 6.0% | 6.63% |
| Synovus Bank | D | Columbus, GA | 7,684 | 64.4% | 19.9% | 7.20% |
| Syracuse Fire Department Employees | – | Syracuse, NY | 69 | 91.3% | 4.4% | 6.49% |
