Ranked by the dollar value of loans originated. Volume is not quality, but it does tell you who is set up to close at scale.
| # | Lender | Grade | Dollar volume | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | CitibankSioux Falls, SD | B | $410M | 417 | 9.6% | 6.00% |
| 2 | JPMorgan Chase BankColumbus, OH | B | $382M | 459 | 7.6% | 6.38% |
| 3 | First Savings MortgageMclean, VA | A | $345M | 544 | 0.9% | 6.50% |
| 4 | Wells Fargo BankCharlotte, NC | B | $274M | 240 | 17.1% | 6.13% |
| 5 | PNC BankWilmington, DE | D | $256M | 467 | 31.5% | 6.25% |
| 6 | Rocket MortgagePlymouth, MI | C | $177M | 671 | 20.7% | 6.63% |
| 7 | Bank of AmericaCharlotte, NC | F | $147M | 546 | 33.2% | 5.99% |
| 8 | First Home MortgageBaltimore, MD | B | $141M | 359 | 2.5% | 6.63% |
| 9 | Guaranteed RateChicago, IL | B | $135M | 320 | 4.1% | 6.50% |
| 10 | Prosperity Home MortgageFairfax, VA | A | $134M | 268 | 2.2% | 6.63% |
| 11 | Truist BankCharlotte, NC | C | $130M | 529 | 41.2% | 6.25% |
| 12 | Manufacturers and Traders TrustBuffalo, NY | C | $114M | 281 | 20.3% | 5.88% |
| 13 | Bank-Fund Staff Federal Credit UnionWashington, DC | A | $111M | 280 | 8.9% | 6.50% |
| 14 | United Shore Financial ServicesPlymouth, MI | B | $102M | 327 | 17.4% | 6.37% |
| 15 | Navy Federal Credit UnionVienna, VA | D | $102M | 786 | 28.5% | 7.75% |
| 16 | Capital BankRockville, MD | B | $91M | 185 | 2.2% | 6.75% |
| 17 | Vellum MortgageFairfax, VA | A | $88M | 156 | 1.3% | 6.49% |
| 18 | Atlantic Coast MortgageFairfax, VA | A | $86M | 193 | 1.6% | 6.56% |
| 19 | United BankVienna, VA | C | $82M | 147 | 10.2% | 5.99% |
| 20 | Fairway Independent MortgageMadison, WI | B | $76M | 171 | 2.9% | 6.63% |
| 21 | Morgan Stanley Private BankNew York, NY | A | $73M | 68 | 4.4% | 5.75% |
| 22 | Crosscountry MortgageCleveland, OH | B | $73M | 180 | 7.8% | 6.63% |
| 23 | Movement MortgageLancaster, SC | A | $71M | 169 | 2.4% | 6.25% |
| 24 | Atlantic Union BankGlen Allen, VA | C | $69M | 165 | 17.0% | 6.63% |
| 25 | Citizens BankProvidence, RI | C | $63M | 192 | 35.4% | 7.20% |
| 26 | Hingham Institution for Savings, TheHingham, MA | D | $61M | 14 | 14.3% | — |
| 27 | First National Bank of PennsylvaniaHermitage, PA | B | $59M | 152 | 24.3% | 6.25% |
| 28 | Anchor LoansDover, DE | D | $58M | 38 | 44.7% | 9.50% |
| 29 | Fulton BankLancaster, PA | C | $58M | 105 | 15.2% | 6.38% |
| 30 | Berkadia Commercial MortgageAmbler, PA | B | $56M | 5 | 0.0% | 5.90% |
| 31 | Pennymac Loan ServicesWestlake Village, CA | C | $55M | 236 | 14.4% | 6.12% |
| 32 | TD BankWilmington, DE | D | $54M | 191 | 23.6% | 7.44% |
| 33 | LoansteadyMclean, VA | A | $51M | 126 | 4.8% | 6.38% |
| 34 | First Heritage MortgageFairfax, VA | A | $50M | 117 | 2.6% | 6.38% |
| 35 | OriginPointChicago, IL | B | $50M | 94 | 3.2% | 6.63% |
| 36 | NewrezWilmington, DE | D | $48M | 353 | 23.5% | 6.63% |
| 37 | Intercoastal MortgageReston, VA | A | $43M | 81 | 4.9% | 6.38% |
| 38 | Guild MortgageSan Diego, CA | A | $43M | 103 | 4.9% | 6.38% |
| 39 | Freedom MortgageBoca Raton, FL | B | $42M | 200 | 6.5% | 5.88% |
| 40 | NFMLinthicum, MD | A | $40M | 98 | 4.1% | 6.63% |
| 41 | CMG MortgageSan Ramon, CA | A | $40M | 109 | 1.8% | 6.63% |
| 42 | Mortgage Research CenterColumbia, MO | C | $38M | 154 | 22.7% | 5.99% |
| 43 | Swbc MortgageSan Antonio, TX | A | $36M | 67 | 1.5% | 6.50% |
| 44 | Embrace Home LoansMiddletown, RI | A | $34M | 92 | 4.4% | 6.38% |
| 45 | LowerColumbia, MD | C | $31M | 88 | 5.7% | 6.38% |
| 46 | U.S. BankCincinnati, OH | D | $31M | 100 | 38.0% | 6.49% |
| 47 | UBS Bank USASalt Lake City, UT | A | $30M | 32 | 3.1% | 5.88% |
| 48 | Founders BankWashington, DC | – | $30M | 18 | 5.6% | — |
| 49 | Charles Schwab BankWestlake, TX | A | $30M | 31 | 6.5% | 5.55% |
| 50 | Loandepot.ComIrvine, CA | D | $29M | 169 | 28.4% | 6.88% |
Ordered by the dollar value of loans originated in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
