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 | Eastrise Federal Credit UnionWilliston, VT | A | $529M | 3,529 | 5.1% | 6.50% |
| 2 | Emm LoansCherry Hill, NJ | B | $233M | 761 | 1.5% | 6.63% |
| 3 | Rocket MortgagePlymouth, MI | C | $178M | 1,165 | 22.0% | 6.75% |
| 4 | Mascoma BankLebanon, NH | B | $176M | 717 | 16.5% | 6.75% |
| 5 | Northeast Home LoanChesterfield, NH | A | $168M | 524 | 2.1% | 6.50% |
| 6 | Vermont Federal Credit UnionSouth Burlington, VT | A | $158M | 1,003 | 12.0% | 6.75% |
| 7 | Union BankMorristown, VT | B | $154M | 641 | 4.5% | 6.63% |
| 8 | CMG MortgageSan Ramon, CA | A | $116M | 459 | 5.7% | 6.63% |
| 9 | North CountrySouth Burlington, VT | C | $114M | 1,135 | 9.5% | 7.25% |
| 10 | Manufacturers and Traders TrustBuffalo, NY | C | $100M | 617 | 30.8% | 5.99% |
| 11 | Northfield Savings BankNorthfield, VT | B | $94M | 319 | 9.7% | 6.50% |
| 12 | Community BankCanton, NY | D | $87M | 607 | 13.3% | 7.00% |
| 13 | Citizens BankProvidence, RI | C | $85M | 826 | 38.9% | 7.65% |
| 14 | TD BankWilmington, DE | D | $85M | 390 | 24.4% | 7.49% |
| 15 | Community National BankDerby, VT | A | $68M | 306 | 4.9% | 6.91% |
| 16 | United Shore Financial ServicesPlymouth, MI | B | $66M | 219 | 9.1% | 6.36% |
| 17 | JPMorgan Chase BankColumbus, OH | B | $55M | 125 | 8.8% | 6.38% |
| 18 | 802 Credit UnionBarre, VT | B | $54M | 328 | 3.7% | 6.88% |
| 19 | Mortgage Research CenterColumbia, MO | C | $53M | 366 | 15.3% | 6.44% |
| 20 | Peoples Trust Company of St. AlbansSt. Albans, VT | B | $50M | 208 | 8.7% | — |
| 21 | Bank of AmericaCharlotte, NC | F | $49M | 191 | 27.2% | 6.00% |
| 22 | Guild MortgageSan Diego, CA | A | $43M | 198 | 3.0% | 6.50% |
| 23 | Better MortgageNew York, NY | F | $40M | 219 | 25.6% | 6.63% |
| 24 | Morgan Stanley Private BankNew York, NY | A | $38M | 57 | 1.8% | 5.83% |
| 25 | Fairway Independent MortgageMadison, WI | B | $37M | 167 | 10.2% | 6.75% |
| 26 | The National Bank of MiddleburyMiddlebury, VT | B | $36M | 156 | 5.1% | — |
| 27 | Freedom MortgageBoca Raton, FL | B | $31M | 219 | 9.6% | 6.25% |
| 28 | Pennymac Loan ServicesWestlake Village, CA | C | $31M | 181 | 10.5% | 6.13% |
| 29 | Navy Federal Credit UnionVienna, VA | D | $27M | 184 | 19.6% | 6.75% |
| 30 | Guaranteed RateChicago, IL | B | $24M | 97 | 9.3% | 6.93% |
| 31 | Crosscountry MortgageCleveland, OH | B | $22M | 102 | 8.8% | 7.13% |
| 32 | CitibankSioux Falls, SD | B | $22M | 44 | 15.9% | 5.81% |
| 33 | Advisors Mortgage GroupOcean, NJ | B | $21M | 86 | 2.3% | 6.75% |
| 34 | NewrezWilmington, DE | D | $20M | 273 | 20.9% | 6.69% |
| 35 | Loandepot.ComIrvine, CA | D | $20M | 116 | 28.5% | 6.19% |
| 36 | Primelending, a PlainscapitalDallas, TX | A | $19M | 96 | 5.2% | 6.63% |
| 37 | Broker SolutionsTustin, CA | D | $19M | 228 | 11.0% | 6.75% |
| 38 | Movement MortgageLancaster, SC | A | $19M | 97 | 13.4% | 6.53% |
| 39 | U.S. BankCincinnati, OH | D | $19M | 145 | 50.3% | 6.99% |
| 40 | Nationstar MortgageCoppell, TX | C | $18M | 99 | 21.2% | 6.75% |
| 41 | NBT BankNorwich, NY | B | $18M | 92 | 18.5% | 5.25% |
| 42 | Mutual of Omaha MortgageSan Diego, CA | C | $18M | 111 | 16.2% | 6.25% |
| 43 | Bar Harbor Bank & TrustBar Harbor, ME | D | $16M | 119 | 25.2% | 7.20% |
| 44 | USAA Federal Savings BankPhoenix, AZ | C | $15M | 83 | 34.9% | 6.38% |
| 45 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | $15M | 45 | 2.2% | 6.63% |
| 46 | Wells Fargo BankCharlotte, NC | B | $13M | 54 | 13.0% | 6.50% |
| 47 | Farm Credit East, ACAEnfield, CT | A | $13M | 33 | 0.0% | 7.25% |
| 48 | KeyBankCleveland, OH | C | $12M | 94 | 31.9% | 7.70% |
| 49 | Plains Commerce BankSioux Falls, SD | B | $12M | 34 | 2.9% | 6.75% |
| 50 | Msa MortgageWinthrop, MA | B | $12M | 39 | 5.1% | 6.75% |
Ordered by the dollar value of loans originated in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
