The median interest rate borrowers actually received on originated loans, not the advertised rate. Product mix matters: a VA-heavy lender will look cheaper than a jumbo specialist.
| # | Lender | Grade | Median rate | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | MAX Credit UnionMontgomery, AL | C | 4.50% | 1,179 | 22.1% | 4.50% |
| 2 | Lennar MortgageMiami, FL | A | 4.75% | 1,229 | 13.1% | 4.75% |
| 3 | AvadianHoover, AL | A | 4.99% | 1,325 | 18.1% | 4.99% |
| 4 | Dhi Mortgage CompanyArlington, TX | B | 4.99% | 3,909 | 17.5% | 4.99% |
| 5 | Regions BankBirmingham, AL | C | 4.99% | 11,871 | 37.2% | 4.99% |
| 6 | Alabama Credit UnionTuscaloosa, AL | C | 5.75% | 193 | 16.6% | 5.75% |
| 7 | Lendlo MortgageHouston, TX | A | 5.75% | 229 | 2.6% | 5.75% |
| 8 | Village Capital & InvestmentHenderson, NV | C | 5.75% | 806 | 23.2% | 5.75% |
| 9 | America'S FirstBirmingham, AL | B | 5.75% | 2,166 | 15.7% | 5.75% |
| 10 | Hancock Whitney BankGulfport, MS | B | 5.88% | 323 | 18.9% | 5.88% |
| 11 | Heritage MortgageMadison, AL | A | 5.99% | 534 | 0.2% | 5.99% |
| 12 | Stifel Bank and TrustSaint Louis, MO | A | 6.00% | 115 | 0.9% | 6.00% |
| 13 | Planet Home LendingMeriden, CT | B | 6.00% | 479 | 15.0% | 6.00% |
| 14 | Listerhill Credit UnionMuscle Shoals, AL | A | 6.00% | 554 | 2.7% | 6.00% |
| 15 | Apco EmployeesBirmingham, AL | C | 6.00% | 661 | 28.0% | 6.00% |
| 16 | NBKC BankKansas, MO | B | 6.13% | 154 | 11.7% | 6.13% |
| 17 | Ixonia BankIxonia, WI | C | 6.13% | 163 | 3.7% | 6.13% |
| 18 | Fbc MortgageOrlando, FL | B | 6.13% | 394 | 2.8% | 6.13% |
| 19 | Dsld MortgageDover, DE | A | 6.13% | 436 | 6.0% | 6.13% |
| 20 | United Shore Financial ServicesPlymouth, MI | B | 6.13% | 7,689 | 12.0% | 6.13% |
| 21 | Bank of AmericaCharlotte, NC | F | 6.24% | 820 | 34.4% | 6.24% |
| 22 | Tva Community Credit UnionMuscle Shoals, AL | B | 6.25% | 113 | 8.0% | 6.25% |
| 23 | AcopiaGoodlettsville, TN | A | 6.25% | 175 | 2.9% | 6.25% |
| 24 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 6.25% | 318 | 10.7% | 6.25% |
| 25 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 6.25% | 333 | 12.0% | 6.25% |
| 26 | Unnamed lender 254900M2C4Q6DATP2889 | F | 6.25% | 344 | 18.3% | 6.25% |
| 27 | Hamilton MortgageMontgomery, AL | B | 6.25% | 394 | 0.8% | 6.25% |
| 28 | Ameris BankAtlanta, GA | B | 6.25% | 452 | 4.9% | 6.25% |
| 29 | USAA Federal Savings BankPhoenix, AZ | C | 6.25% | 707 | 29.0% | 6.25% |
| 30 | Towne MortgageTroy, MI | B | 6.25% | 739 | 3.4% | 6.25% |
| 31 | SouthPoint BankBirmingham, AL | B | 6.25% | 814 | 3.2% | 6.25% |
| 32 | Canopy MortgageLindon, UT | B | 6.25% | 1,695 | 0.6% | 6.25% |
| 33 | First Federal Bank, ATuscaloosa, AL | B | 6.25% | 1,776 | 3.4% | 6.25% |
| 34 | Pennymac Loan ServicesWestlake Village, CA | C | 6.25% | 3,611 | 11.6% | 6.25% |
| 35 | Freedom MortgageBoca Raton, FL | B | 6.25% | 3,725 | 8.7% | 6.25% |
| 36 | Mortgage Research CenterColumbia, MO | C | 6.25% | 5,107 | 18.4% | 6.25% |
| 37 | Magnolia BankHodgenville, KY | C | 6.31% | 273 | 7.0% | 6.31% |
| 38 | Pinnacle BankNashville, TN | B | 6.31% | 306 | 10.8% | 6.31% |
| 39 | Lakeview Loan ServicingCoral Gables, FL | C | 6.31% | 1,108 | 51.2% | 6.31% |
| 40 | Paramount Residential Mortgage GroupCorona, CA | B | 6.38% | 150 | 2.7% | 6.38% |
| 41 | Consumer First MortgageNorthport, AL | C | 6.38% | 162 | 12.4% | 6.38% |
| 42 | Hunt MortgageBuffalo, NY | B | 6.38% | 183 | 2.7% | 6.38% |
| 43 | Filo MortgageFort Washington, PA | B | 6.38% | 209 | 2.9% | 6.38% |
| 44 | NFMLinthicum, MD | A | 6.38% | 243 | 1.7% | 6.38% |
| 45 | Colorado Federal Savings BankGreenwood Village, CO | A | 6.38% | 257 | 4.3% | 6.38% |
| 46 | American Pacific MortgageRoseville, CA | C | 6.38% | 268 | 13.1% | 6.38% |
| 47 | First Colony MortgageOrem, UT | A | 6.38% | 313 | 3.2% | 6.38% |
| 48 | Moria DevelopmentTempe, AZ | B | 6.38% | 390 | 3.6% | 6.38% |
| 49 | GMFSBaton Rouge, LA | A | 6.38% | 641 | 1.7% | 6.38% |
| 50 | First Community MortgageMurfreesboro, TN | A | 6.38% | 644 | 7.1% | 6.38% |
Ordered by the median interest rate on originated loans, among lenders reporting rates on at least 100 loans. Some banks are exempt from HMDA pricing fields and cannot appear. All figures come from the lenders' own HMDA filings. Full methodology.
