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 |
|---|---|---|---|---|---|---|
| U S Wide FinancialU S Wide Financial LLC | A | Chesterfield, MO | 201 | 77.1% | 1.5% | 6.13% |
| U. T. Federal Credit Union | C | Knoxville, TN | 288 | 71.2% | 17.7% | 6.88% |
| U.S. BankU.S. Bank National Association | D | Cincinnati, OH | 151,832 | 49.2% | 33.1% | 6.88% |
| U.S. Century Bank | – | Miami, FL | 54 | 90.7% | 1.9% | — |
| U.S. Eagle | D | Albuquerque, NM | 558 | 66.0% | 18.1% | 6.99% |
| U.S. Home MortgageU.S. Home Mortgage, Inc. | – | Lincoln, NE | 38 | 100.0% | 0.0% | 6.50% |
| UBS Bank USA | A | Salt Lake City, UT | 4,480 | 75.6% | 6.3% | 5.88% |
| UBank | – | Knoxville, TN | 57 | 82.5% | 8.8% | — |
| UBank | – | Huntington, TX | 63 | 69.8% | 19.1% | — |
| UFCW Community Federal Credit Union | – | Wyoming, PA | 30 | 100.0% | 0.0% | — |
| UIFUIF Corporation | C | Ann Arbor, MI | 2,637 | 63.5% | 11.1% | 6.75% |
| UMB BankUMB Bank, National Association | B | Kansas City, | 4,437 | 60.5% | 27.5% | 5.99% |
| UNB Bank | – | Harrisburg, PA | 66 | 83.3% | 9.1% | — |
| UNCLE Credit Union | C | Livermore, | 524 | 51.7% | 22.7% | 6.49% |
| UNICO Bank | B | Mineral Point, MO | 150 | 90.0% | 5.3% | — |
| UNIFY FINANCIAL Credit Union | – | Allen, TX | 1,028 | 36.2% | 37.9% | 9.24% |
| UNITED FINANCIAL Credit Union | C | Saginaw, MI | 170 | 65.3% | 8.8% | 6.50% |
| UNITEDONE Credit Union | B | Manitowoc, WI | 463 | 71.3% | 12.1% | 6.00% |
| UNIVERSITY Federal Credit Union | C | Austin, TX | 2,217 | 69.5% | 10.1% | 6.63% |
| US Community | – | Nashville, TN | 106 | 33.0% | 25.5% | 6.88% |
| US Employees O.C. Federal Credit Union | F | Oklahoma City, OK | 175 | 30.3% | 33.7% | 7.00% |
| US MortgageUS Mortgage Corporation | C | Huntington, NY | 2,090 | 72.0% | 6.4% | 6.63% |
| USAA Federal Savings Bank | C | Phoenix, AZ | 26,635 | 43.9% | 26.4% | 6.38% |
| USC Credit Union | C | Los Angeles, CA | 205 | 70.2% | 17.6% | 6.75% |
| USF Federal Credit Union | D | Temple Terrace, FL | 682 | 47.5% | 29.9% | 6.13% |
| USSCO Johnstown Federal Credit Union | – | Johnstown, PA | 54 | 68.5% | 20.4% | — |
| USX Federal Credit Union | C | Cranberry Township, PA | 221 | 76.0% | 14.0% | — |
| Uark Federal Credit Union | – | Fayetteville, AR | 68 | 35.3% | 39.7% | — |
| Ukrainian Federal Credit Union | B | Rochester, NY | 207 | 83.1% | 3.9% | 6.63% |
| Ukrainian Selfreliance Federal Credit Union | – | Feasterville, PA | 386 | 80.6% | 11.4% | — |
| Ulster Savings Bank | B | Kingston, NY | 608 | 81.6% | 8.4% | 6.63% |
| Ultima Bank Minnesota | – | Winger, MN | 71 | 95.8% | 2.8% | — |
| Umassfive College | D | Hadley, MA | 531 | 67.6% | 14.1% | 7.50% |
| Ume Federal Credit Union | A | Burbank, CA | 108 | 87.0% | 3.7% | 5.99% |
| Umpqua Bank | C | Lake Oswego, OR | 8,114 | 59.7% | 24.5% | 7.75% |
| UniBank for Savings | B | Whitinsville, MA | 694 | 67.7% | 13.1% | 6.50% |
| Unified Bank | C | Martins Ferry, OH | 241 | 71.0% | 13.7% | — |
| Unify Home LendingUnify Home Lending Inc. | – | Rapid City, SD | 531 | 73.5% | 2.8% | 6.63% |
| Union Bank | – | Grand Rapids, MI | 71 | 62.0% | 16.9% | 6.75% |
| Union Bank | A | Mena, AR | 454 | 98.7% | 1.3% | — |
| Union Bank | B | Morristown, VT | 842 | 83.1% | 4.4% | 6.75% |
| Union Bank and TrustUnion Bank and Trust Company | B | Lincoln, NE | 1,996 | 74.5% | 10.2% | 6.50% |
| Union Capital MortgageUnion Capital Mortgage Corporation | B | Westlake, OH | 757 | 81.2% | 3.8% | 6.50% |
| Union Federal Savings and Loan Association | – | Kewanee, IL | 70 | 71.4% | 10.0% | — |
| Union Home MortgageUnion Home Mortgage Corp. | B | Strongsville, OH | 50,973 | 74.1% | 5.4% | 6.63% |
| Union Savings And Loan Association | B | Connersville, IN | 179 | 77.7% | 11.2% | — |
| Union Savings Bank | A | Danbury, CT | 929 | 69.2% | 13.9% | 5.49% |
| Union Savings Bank | A | Cincinnati, OH | 10,072 | 80.5% | 4.7% | 6.75% |
| Union Savings Bank | B | Freeport, IL | 138 | 81.2% | 4.4% | — |
| Union Square Credit Union | B | Wichita Falls, TX | 312 | 71.5% | 9.9% | 6.63% |
| Union State Bank | – | Winterset, IA | 54 | 74.1% | 14.8% | — |
| Union State Bank | – | West Salem, WI | 50 | 90.0% | 4.0% | — |
| Union State Bank | B | Arkansas City, KS | 181 | 85.6% | 5.5% | — |
| Unison Bank | C | Jamestown, ND | 262 | 69.9% | 15.7% | — |
| Unison Credit Union | A | Kaukauna, WI | 123 | 90.2% | 4.1% | 6.50% |
| United Bank | – | Springdale, AR | 40 | 75.0% | 17.5% | — |
| United Bank | C | Vienna, VA | 4,545 | 68.1% | 17.5% | 6.63% |
| United Bank | D | Atmore, AL | 176 | 69.9% | 18.2% | — |
| United Bank | C | Zebulon, GA | 1,073 | 65.1% | 16.2% | 7.50% |
| United Bank & Trust | C | Marysville, KS | 142 | 81.0% | 13.4% | — |
| United Bank of Iowa | D | Ida Grove, IA | 540 | 65.0% | 17.8% | 6.75% |
| United Bank of Michigan | D | Grand Rapids, MI | 504 | 68.5% | 11.9% | — |
| United Bank of Union | A | Union, MO | 229 | 81.7% | 2.2% | 6.63% |
| United Bay Community Credit Union | C | Bay City, MI | 229 | 83.8% | 7.9% | 7.00% |
| United Built HomesUnited Built Homes, L.l.c. | F | Shreveport, LA | 1,457 | 19.3% | 28.8% | 8.99% |
| United Business & Industry Federal Credit Union | – | Plainville, CT | 43 | 88.4% | 4.7% | 7.49% |
| United Citizens Bank & TrustUnited Citizens Bank & Trust Company | – | Campbellsburg, KY | 90 | 77.8% | 12.2% | — |
| United Community Bank | C | Chatham, IL | 1,908 | 75.1% | 9.0% | 6.75% |
| United Community Bank | – | Raceland, LA | 69 | 92.8% | 4.4% | — |
| United Community Bank | B | Blairsville, GA | 11,449 | 65.8% | 23.1% | 6.50% |
| United Community Credit Union | – | Houston, TX | 39 | 53.9% | 18.0% | 7.49% |
| United Community Federal Credit Union | – | Pittsburgh, PA | 106 | 74.5% | 17.0% | 5.75% |
| United Consumers Credit Union | – | Independence, MO | 87 | 36.8% | 11.5% | 6.63% |
| United Credit Union | D | Mexico, MO | 163 | 39.9% | 35.0% | 6.63% |
| United Cumberland Bank | C | Whitley City, KY | 270 | 73.3% | 10.7% | — |
| United Federal Credit Union | D | Saint Joseph, MI | 5,344 | 60.2% | 24.0% | 7.05% |
| United Fidelity BankUnited Fidelity Bank, fsb | – | Evansville, IN | 38 | 39.5% | 23.7% | 5.00% |
| United Fidelity FundingUnited Fidelity Funding Corp. | – | Kansas City, MO | 1,162 | 76.9% | 1.6% | 6.88% |
| United Heritage Credit Union | B | Austin, TX | 508 | 61.6% | 30.1% | 7.15% |
| United Home LoansUnited Home Loans, Inc. | B | Western, IL | 729 | 79.0% | 2.2% | 6.63% |
| United Midwest Savings BankUnited Midwest Savings Bank, National Association | – | Westerville, OH | 68 | 66.2% | 10.3% | — |
| United MortgageUnited Mortgage Corp. | C | Melville, NY | 3,364 | 66.1% | 4.9% | 6.75% |
| United Nations Federal Credit Union | B | New York, NY | 2,159 | 69.2% | 8.9% | 5.75% |
| United Northern Mortgage BankersUnited Northern Mortgage Bankers Limited | C | Levittown, NY | 1,189 | 66.7% | 5.6% | 6.50% |
| United Poles Federal Credit Union | – | Perth Amboy, NJ | 56 | 100.0% | 0.0% | — |
| United Premier FundingUnited Premier Funding, LLC | – | Duluth, GA | 84 | 91.7% | 0.0% | 6.50% |
| United Savings Bank | – | Philadelphia, PA | 51 | 72.6% | 9.8% | — |
| United Security Bank | – | Auxvasse, MO | 52 | 100.0% | 0.0% | — |
| United Security FinancialUnited Security Financial Corp. | – | Murray, UT | 119 | 54.6% | 10.1% | 7.38% |
| United Shore Financial ServicesUnited Shore Financial Services, LLC | B | Plymouth, MI | 576,710 | 73.2% | 12.1% | 6.38% |
| United Southeast Federal Credit Union | – | Bristol, TN | 32 | 78.1% | 0.0% | 6.25% |
| United Southern Bank | C | Umatilla, FL | 172 | 73.3% | 9.3% | — |
| United Southern Bank | A | Hopkinsville, KY | 124 | 87.9% | 0.8% | — |
| United States Senate Federal Credit Union | A | Alexandria, VA | 525 | 65.5% | 13.7% | 7.50% |
| United Teletech Financial | D | Tinton Falls, NJ | 155 | 76.8% | 21.3% | 6.50% |
| United Texas Credit Union | – | San Antonio, TX | 62 | 98.4% | 1.6% | 6.83% |
| United Trust Bank | C | Palos Heights, IL | 1,261 | 79.1% | 15.7% | 6.50% |
| Unitus Community Credit Union | D | Tigard, OR | 1,213 | 47.9% | 35.0% | 7.25% |
| Unity Bank | C | Clinton, NJ | 523 | 73.4% | 8.2% | 7.00% |
| Unity Bank of Mississippi | – | Holly Springs, MS | 37 | 67.6% | 13.5% | 8.50% |
| Unity Catholic Federal Credit Union | – | Parma, OH | 115 | 82.6% | 0.0% | 5.00% |
| Universal 1 Credit Union | D | Dayton, OH | 322 | 70.8% | 7.8% | 7.50% |
| Universal LendingUniversal Lending Corporation | A | Greenwood Village, CO | 1,036 | 83.0% | 4.8% | 4.99% |
| Universal Mortgage & FinanceUniversal Mortgage & Finance, Inc. | C | Edgewater, MD | 205 | 68.8% | 6.3% | 6.63% |
| University Bank | A | Ann Arbor, MI | 2,997 | 81.0% | 4.2% | 6.50% |
| University Credit Union | C | Orono, ME | 301 | 64.5% | 11.6% | 6.88% |
| University Credit Union | – | Los Angeles, CA | 134 | 43.3% | 6.0% | 6.48% |
| University Credit Union Miami | – | Miami, FL | 56 | 58.9% | 41.1% | 6.49% |
| University First Federal Credit Union | B | West Jordan, UT | 1,655 | 59.2% | 21.0% | 4.99% |
| University of Hawaii Federal Credit Union | B | Honolulu, HI | 127 | 74.8% | 6.3% | 5.75% |
| University of Illinois Community Credit Union | B | Champaign, IL | 401 | 71.1% | 5.0% | 5.50% |
| University of Kentucky | B | Lexington, KY | 2,979 | 57.4% | 21.7% | 7.00% |
| University of Michigan Credit Union | A | Ann Arbor, MI | 1,188 | 66.5% | 5.9% | 7.50% |
| University of Nebraska Federal Credit Union | – | Lincoln, NE | 57 | 100.0% | 0.0% | 6.00% |
| University of Virginia Community Credit UnionUniversity of Virginia Community Credit Union, Inc. | F | Charlottesville, VA | 1,630 | 56.6% | 19.9% | — |
| University of Wisconsin Credit Union | A | Madison, WI | 12,002 | 74.1% | 13.9% | 6.50% |
| Univest Bank and TrustUnivest Bank and Trust Co. | C | Philadelphia, PA | 2,313 | 71.2% | 8.1% | 6.88% |
| Uniwyo Federal Credit Union | C | Laramie, WY | 547 | 70.8% | 15.0% | 7.50% |
| Upper Darby Belltelco Federal Credit Union | – | Upper Darby, PA | 45 | 100.0% | 0.0% | — |
| Upstate Federal Credit Union | – | Anderson, SC | 46 | 47.8% | 37.0% | 8.68% |
| Usalliance Federal Credit Union | B | Rye, NY | 2,542 | 70.8% | 13.9% | 8.00% |
| Utah Community Federal Credit Union | B | Provo, UT | 2,584 | 60.0% | 16.3% | 6.99% |
| Utah First | C | Salt Lake City, UT | 1,615 | 62.0% | 29.2% | 7.50% |
| Utah Mortgage LoanUtah Mortgage Loan Corporation | – | Lehi, UT | 86 | 88.4% | 0.0% | 6.56% |
| Utah Power Federally Insured State-Chartered Credit Union | B | Salt Lake City, UT | 331 | 90.0% | 2.1% | 6.50% |
| Utica Gas & Electric Federal Credit Union | – | New Hartford, NY | 94 | 98.9% | 0.0% | 6.63% |
| Utilities Employees Credit Union | C | Wyomissing, PA | 1,048 | 64.1% | 16.5% | 6.74% |
| Uwharrie Bank | B | Albemarle, NC | 846 | 80.9% | 5.4% | 6.88% |
