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 |
|---|---|---|---|---|---|---|
| WATER AND POWER COMMUNITY Credit Union | C | Los Angeles, CA | 398 | 50.8% | 14.3% | 6.13% |
| WEBSTER FIRST Federal Credit Union | C | Worcester, MA | 522 | 64.4% | 18.2% | 6.50% |
| WEOKIE Federal Credit Union | D | Oklahoma City, OK | 1,247 | 49.4% | 21.9% | 6.38% |
| WEPCO Federal Credit Union | – | Luke, MD | 69 | 71.0% | 13.0% | — |
| WESTCONSIN Credit Union | C | Menomonie, WI | 2,053 | 69.9% | 13.1% | 7.38% |
| WESTERN SUN Federal Credit Union | D | Broken Arrow, OK | 123 | 67.5% | 14.6% | — |
| WESTMARK Credit Union | B | Idaho Falls, ID | 1,245 | 64.5% | 16.5% | 6.99% |
| WHITE EAGLE Credit Union | C | Augusta, | 167 | 76.1% | 10.8% | — |
| WINDSOR LOCKS Federal Credit Union | – | Windsor Locks, CT | 50 | 88.0% | 8.0% | — |
| Waggoner National Bank of Vernon, the | – | Vernon, TX | 53 | 90.6% | 1.9% | — |
| Wahoo State Bank | – | Wahoo, NE | 34 | 82.4% | 0.0% | — |
| Wake Forest Federal Savings and Loan Association | – | Wake Forest, NC | 36 | 97.2% | 2.8% | — |
| Wakefield Co-operative Bank | – | Wakefield, MA | 31 | 71.0% | 9.7% | — |
| Walden Savings Bank | B | Montgomery, NY | 223 | 75.8% | 6.3% | — |
| Waldo State Bank | – | Waldo, WI | 75 | 92.0% | 4.0% | — |
| Walker & DunlopWalker & Dunlop, LLC | C | Bethesda, MD | 951 | 80.7% | 5.4% | 5.40% |
| Wall FinancialWall Financial, Inc. | B | Los Angeles, CA | 120 | 52.5% | 0.0% | 6.50% |
| Wall Street Mortgage BankersWall Street Mortgage Bankers, Ltd. | C | Great Neck, NY | 676 | 61.7% | 11.2% | 6.63% |
| Wallick & VolkWallick & Volk, Inc. | B | Cheyenne, WY | 291 | 64.3% | 5.5% | 6.63% |
| Wallkill Valley Federal Savings and Loan Association | B | Wallkill, NY | 142 | 71.1% | 5.6% | — |
| Walpole Co-operative Bank | – | Walpole, MA | 50 | 86.0% | 8.0% | 8.38% |
| Walters Bank and TrustWalters Bank and Trust Company | – | Walters, OK | 46 | 73.9% | 10.9% | — |
| Warren-Boynton State Bank | – | New Berlin, IL | 98 | 99.0% | 1.0% | — |
| Warsaw Federal Savings and Loan Association | B | Cincinnati, OH | 405 | 70.1% | 9.4% | 6.50% |
| Warshaw CapitalWarshaw Capital, LLC | B | Stamford, CT | 254 | 78.7% | 2.4% | 6.50% |
| Wasatch Peaks Federal Credit Union | – | Ogden, UT | 47 | 91.5% | 8.5% | 6.75% |
| Washington Area Teachers Federal Credit Union | – | Washington, PA | 45 | 100.0% | 0.0% | 6.50% |
| Washington County Bank | D | Blair, NE | 160 | 56.3% | 10.6% | — |
| Washington Federal Bank | D | Seattle, WA | 548 | 54.6% | 13.0% | 7.38% |
| Washington Financial Bank | B | Washington, PA | 221 | 82.4% | 10.4% | — |
| Washington Savings Bank | – | Lowell, MA | 71 | 69.0% | 15.5% | — |
| Washington State Bank | – | Washington, IL | 28 | 96.4% | 0.0% | — |
| Washington State Bank | – | Washington, LA | 65 | 87.7% | 7.7% | — |
| Washington State Bank | A | Washington, IA | 282 | 92.9% | 4.3% | — |
| Washington State Employees Credit Union | D | Olympia, WA | 4,352 | 48.9% | 42.3% | 7.24% |
| Washington Trust Bank | D | Spokane, WA | 2,193 | 64.8% | 19.1% | 7.40% |
| Washington Trust Mortgage CompanyWashington Trust Mortgage Company LLC | B | Westerly, RI | 1,050 | 64.6% | 5.3% | 6.49% |
| WaterStone BankWaterStone Bank, SSB | D | Wauwatosa, WI | 129 | 70.5% | 17.8% | — |
| Waterbury Connecticut Teachers Federal Credit Union | B | Middlebury, CT | 118 | 83.9% | 4.2% | 6.49% |
| Waterford BankWaterford Bank, N.A. | – | Toledo, OH | 66 | 86.4% | 1.5% | — |
| Waterman State Bank | B | Waterman, IL | 481 | 74.2% | 4.6% | — |
| Watermark Bank | – | Oklahoma City, OK | 30 | 66.7% | 0.0% | — |
| Watermark CapitalWatermark Capital, Inc. | A | Irvine, CA | 908 | 76.7% | 4.2% | 6.50% |
| Waterstone MortgageWaterstone Mortgage Corporation | C | Brookfield, WI | 9,629 | 73.5% | 3.6% | 6.63% |
| Watertown Savings Bank | A | Watertown, MA | 123 | 79.7% | 1.6% | — |
| Watertown Savings Bank | A | Watertown, NY | 195 | 81.0% | 5.6% | 6.38% |
| Watson MortgageWatson Mortgage Corp. | – | Jacksonville, FL | 225 | 54.2% | 17.8% | 6.75% |
| Waukesha State Bank | B | Waukesha, WI | 918 | 81.2% | 7.2% | 6.75% |
| Wauna Federal Credit Union | C | Clatskanie, OR | 164 | 73.2% | 16.5% | 6.74% |
| Wave Federal Credit Union | – | Warwick, RI | 38 | 79.0% | 10.5% | 7.75% |
| Wayne Bank | F | Honesdale, PA | 939 | 58.5% | 20.8% | — |
| We Florida Financial | A | Pembroke Pines, FL | 187 | 86.6% | 4.3% | 7.50% |
| Webster BankWebster Bank, National Association | C | Stamford, CT | 5,566 | 55.8% | 21.7% | 6.74% |
| Webster Five Cents Savings Bank | D | Webster, MA | 321 | 66.7% | 17.8% | — |
| Welcome Home FinanceWelcome Home Finance, L.P. | – | Cranberry Twp, PA | 382 | 87.7% | 0.0% | 6.49% |
| Welcome Home FundingWelcome Home Funding, LLC | – | Alameda, CA | 127 | 55.1% | 7.9% | 6.13% |
| Weld Community Credit Union | C | Greeley, CO | 113 | 77.0% | 13.3% | — |
| Wellington State Bank | – | Wellington, TX | 58 | 81.0% | 6.9% | — |
| Wells Fargo BankWells Fargo Bank, National Association | B | Charlotte, NC | 76,355 | 54.4% | 15.6% | 6.25% |
| WesBanco BankWesBanco Bank, Inc. | B | Wheeling, | 9,375 | 66.7% | 17.5% | 6.25% |
| Wescom Central Credit Union | D | Pasadena, CA | 4,066 | 51.9% | 24.7% | 8.00% |
| West Alabama Bank & Trust | B | Reform, AL | 149 | 93.3% | 2.7% | — |
| West Bank | – | West Des Moines, IA | 65 | 84.6% | 9.2% | — |
| West Central Bank | – | Ashland, IL | 92 | 94.6% | 2.2% | — |
| West Community Credit Union | B | O'Fallon, MO | 995 | 62.6% | 20.8% | 6.99% |
| West Gate Bank | A | Lincoln, NE | 2,807 | 85.8% | 4.8% | 6.38% |
| West Michigan Community Bank | B | Hudsonville, MI | 165 | 81.8% | 6.7% | — |
| West Michigan Credit Union | D | Grand Rapids, MI | 200 | 54.0% | 33.0% | 7.25% |
| West Penn Financial Service CenterWest Penn Financial Service Center, Inc. | B | Wexford, PA | 823 | 86.5% | 2.8% | 6.50% |
| West Point Bank | B | Radcliff, KY | 313 | 84.4% | 8.6% | — |
| West Pointe Bank | A | Oshkosh, WI | 207 | 91.8% | 1.0% | — |
| West Texas National Bank | D | Midland, TX | 125 | 68.0% | 18.4% | — |
| West Virginia Central | C | Parkersburg, WV | 149 | 77.9% | 11.4% | — |
| West Virginia Federal Credit Union | – | South Charleston, WV | 66 | 89.4% | 7.6% | 5.74% |
| West-Aircomm Federal Credit Union | B | Beaver, PA | 104 | 85.6% | 9.6% | 6.50% |
| WestStar Bank | – | El Paso, TX | 37 | 54.1% | 29.7% | — |
| Westbury Bank | A | Waukesha, WI | 141 | 90.8% | 2.8% | 6.25% |
| Westby Co-op Credit Union | B | Westby, | 506 | 75.7% | 3.2% | 7.13% |
| Westerly Community | C | Wakefield, RI | 837 | 55.7% | 14.6% | 6.99% |
| Western Bank | C | Lubbock, TX | 175 | 73.1% | 9.1% | 8.00% |
| Western Commerce Bank | A | Carlsbad, NM | 125 | 86.4% | 1.6% | — |
| Western Cooperative Credit Union | – | Williston, ND | 109 | 80.7% | 3.7% | 6.25% |
| Western Division Federal Credit Union | A | Williamsville, NY | 374 | 81.3% | 12.8% | — |
| Western National Bank | – | Chester, NE | 40 | 95.0% | 2.5% | — |
| Western National Bank | – | Duluth, MN | 25 | 76.0% | 20.0% | — |
| Western Ohio MortgageWestern Ohio Mortgage Corporation | B | Sidney, OH | 496 | 73.2% | 2.2% | — |
| Western State Bank | B | Devils Lake, ND | 335 | 71.6% | 4.8% | 6.50% |
| Western Vista | C | Cheyenne, WY | 342 | 71.1% | 7.3% | 6.25% |
| Westerra Credit Union | D | Denver, CO | 1,659 | 56.1% | 24.3% | 7.99% |
| Westfield Bank | B | Westfield, MA | 1,124 | 77.9% | 7.7% | 6.25% |
| Westfield BankWestfield Bank, FSB | B | Cincinnati, OH | 187 | 82.9% | 7.0% | — |
| Westmoreland Federal Savings | – | Latrobe, PA | 57 | 87.7% | 0.0% | — |
| Westport Federal Credit Union | – | Westport, MA | 37 | 94.6% | 5.4% | 6.00% |
| Westside State Bank | A | Westside, IA | 131 | 98.5% | 0.0% | — |
| Weststar MortgageWeststar Mortgage Corporation | – | Albuquerque, NM | 33 | 48.5% | 3.0% | 6.38% |
| Weyco Community Credit Union | – | Plymouth, NC | 47 | 80.9% | 19.2% | 5.35% |
| Whatcom Educational Credit Union | B | Bellingham, WA | 1,631 | 62.3% | 18.5% | 7.25% |
| Wheatland Bank | – | Spokane, WA | 607 | 61.0% | 12.2% | 6.50% |
| Wheaton Bank & TrustWheaton Bank & Trust, N.A. | B | Wheaton, IL | 123 | 78.9% | 5.7% | — |
| Wheelhouse Credit Union | A | San Diego, CA | 226 | 63.3% | 6.6% | 6.99% |
| Whitaker Bank | B | Lexington, KY | 809 | 78.5% | 10.1% | 6.25% |
| White Rose Credit Union | – | York, PA | 78 | 68.0% | 16.7% | 6.74% |
| White Sands | – | Las Cruces, NM | 59 | 71.2% | 13.6% | 6.75% |
| Whitesville State Bank | D | Whitesville, WV | 115 | 65.2% | 25.2% | — |
| Wichita Falls Teachers Federal Credit Union | – | Wichita Falls, TX | 32 | 100.0% | 0.0% | 6.25% |
| Wichita Federal Credit Union | D | Wichita, KS | 327 | 59.6% | 17.4% | 7.50% |
| Widget Federal Credit Union | D | Erie, PA | 308 | 43.8% | 42.5% | 6.50% |
| Wildfire Credit Union | C | Saginaw, MI | 403 | 76.9% | 10.7% | — |
| Willamette Valley Bank | C | Salem, OR | 917 | 63.7% | 10.3% | 6.41% |
| William Penn Bank | – | Levittown, PA | 105 | 58.1% | 16.2% | — |
| William Raveis MortgageWilliam Raveis Mortgage, LLC | C | Wilmington, DE | 1,221 | 68.3% | 10.6% | 6.50% |
| Williamstown BankWilliamstown Bank, Inc. | – | Williamstown, WV | 102 | 77.5% | 12.8% | — |
| Williamsville State Bank & Trust | – | Williamsville, | 38 | 76.3% | 2.6% | — |
| Willow Bend Mortgage CompanyWillow Bend Mortgage Company, LLC | C | Plano, TX | 1,388 | 59.6% | 1.6% | 6.63% |
| Wilmington Savings Fund SocietyWilmington Savings Fund Society, FSB | B | Wilmington, DE | 5,671 | 68.5% | 15.7% | 7.00% |
| Wilson & Muir Bank & TrustWilson & Muir Bank & Trust Company | A | Bardstown, KY | 399 | 88.2% | 3.0% | — |
| Wilson Bank and Trust | C | Lebanon, TN | 1,983 | 68.7% | 11.4% | 7.04% |
| Winchester Co-operative Bank | B | Winchester, MA | 210 | 78.1% | 4.8% | — |
| Winchester Savings Bank | – | Winchester, MA | 100 | 81.0% | 3.0% | — |
| Windosr Federal Savings & Loan Association | B | Windsor, CT | 233 | 72.5% | 3.0% | — |
| Windthorst Federal Credit Union | – | Windthorst, TX | 43 | 88.4% | 2.3% | — |
| Wings Financial Credit Union | A | Apple Valley, MN | 5,134 | 65.5% | 16.1% | 7.25% |
| Winnebago Community | – | Oshkosh, WI | 81 | 96.3% | 1.2% | — |
| Winter Hill BankWinter Hill Bank, FSB | – | Somerville, MA | 94 | 76.6% | 8.5% | — |
| Winterwood Mortgage GroupWinterwood Mortgage Group, LLC | – | Greenwood, IN | 94 | 27.7% | 18.1% | 6.50% |
| Wintrust BankWintrust Bank, National Association | A | Chicago, IL | 348 | 82.8% | 2.6% | — |
| Wisconsin MortgageWisconsin Mortgage Corporation | B | Brookfield, WI | 502 | 77.7% | 5.2% | 6.50% |
| Wisconsin River Bank | – | Sauk City, WI | 38 | 89.5% | 2.6% | — |
| Wnb FinancialWnb Financial, N.A. | B | Winona, MN | 218 | 83.5% | 6.0% | 6.75% |
| Wolf River Community Bank | A | Hortonville, WI | 199 | 91.5% | 0.5% | — |
| Wolfe FinancialWolfe Financial, Inc | C | Asheboro, NC | 1,819 | 63.8% | 2.2% | 6.75% |
| Wood & Huston Bank | A | Marshall, MO | 286 | 88.5% | 3.2% | — |
| Woodford State Bank | A | Monroe, WI | 183 | 91.3% | 3.3% | — |
| Woodlands Bank | – | Williamsport, PA | 99 | 82.8% | 4.0% | — |
| Woodlands National Bank | – | Hinckley, MN | 50 | 52.0% | 28.0% | — |
| Woodruff Federal Savings and Loan Association | – | Woodruff, SC | 39 | 92.3% | 2.6% | — |
| Woodsboro Bank | – | Woodsboro, MD | 45 | 75.6% | 6.7% | — |
| Woodsfield Savings Bank | – | Woodsfield, OH | 93 | 69.9% | 7.5% | — |
| Woodtrust Bank | – | Wisconsin Rapids, WI | 89 | 83.2% | 7.9% | — |
| Woori America Bank | C | New York, NY | 553 | 72.5% | 11.6% | — |
| Worcester Credit Union | – | Worcester, MA | 30 | 63.3% | 33.3% | — |
| Workers Federal Credit Union | B | Littleton, MA | 1,795 | 68.7% | 10.8% | 6.38% |
| Workmen's Circle Credit Union | – | Savannah, GA | 96 | 93.8% | 2.1% | 7.50% |
| Worthington Mortgage | – | Huntsville, AL | 108 | 73.2% | 0.9% | 6.88% |
| Worthington National Bank | – | Fort Worth, TX | 44 | 68.2% | 11.4% | — |
| Wray State Bank | – | Wray, CO | 67 | 97.0% | 0.0% | — |
| Wrentham Co-operative Bank | – | Wrentham, MA | 27 | 92.6% | 0.0% | — |
| Wright Patman Congressional Federal Credit Union | D | Oakton, VA | 696 | 67.7% | 15.5% | 6.25% |
| Wright-Patt Credit UnionWright-Patt Credit Union, Inc. | C | Beavercreek, OH | 9,726 | 54.7% | 31.5% | 7.25% |
| Wyhy | B | Cheyenne, WY | 387 | 65.4% | 10.1% | 8.00% |
| Wymar Federal Credit Union | D | Geismar, LA | 134 | 62.7% | 16.4% | — |
| Wyndham Capital MortgageWyndham Capital Mortgage, Inc. | – | Charlotte, NC | 1,060 | 33.6% | 12.6% | 6.13% |
| Wyoming Bank & Trust | – | Cheyenne, WY | 78 | 79.5% | 9.0% | — |
