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 | Velocio MortgageSan Antonio, TX | A | 3.99% | 1,568 | 2.7% | 3.99% |
| 2 | Dhi Mortgage CompanyArlington, TX | B | 3.99% | 3,479 | 12.8% | 3.99% |
| 3 | Lennar MortgageMiami, FL | A | 4.25% | 3,184 | 10.9% | 4.25% |
| 4 | Homeamerican MortgageDenver, CO | A | 4.50% | 1,197 | 6.7% | 4.50% |
| 5 | K. Hovnanian American MortgagePerth Amboy, FL | B | 4.99% | 663 | 12.1% | 4.99% |
| 6 | NFMLinthicum, MD | A | 4.99% | 1,012 | 1.2% | 4.99% |
| 7 | Pulte MortgageWilmington, DE | A | 4.99% | 1,597 | 8.1% | 4.99% |
| 8 | Universal LendingGreenwood Village, CO | A | 5.13% | 252 | 5.2% | 5.13% |
| 9 | Mattamy Home FundingDover, DE | A | 5.38% | 682 | 7.2% | 5.38% |
| 10 | Charles Schwab BankWestlake, TX | A | 5.63% | 245 | 3.7% | 5.63% |
| 11 | Inspire Home LoansNewport Beach, CA | B | 5.63% | 953 | 10.3% | 5.63% |
| 12 | Taylor Morrison Home FundingMaitland, FL | A | 5.63% | 2,334 | 11.0% | 5.63% |
| 13 | Kbhs Home LoansIrving, TX | B | 5.68% | 1,205 | 5.5% | 5.68% |
| 14 | Clearpath LendingIrvine, CA | B | 5.75% | 142 | 2.8% | 5.75% |
| 15 | Village Capital & InvestmentHenderson, NV | C | 5.75% | 935 | 22.0% | 5.75% |
| 16 | Brookhollow Mortgage ServicesAddison, TX | A | 5.88% | 143 | 1.4% | 5.88% |
| 17 | AERO Federal Credit UnionGlendale, AZ | B | 5.95% | 408 | 15.7% | 5.95% |
| 18 | Comerica BankDallas, TX | C | 5.99% | 254 | 40.6% | 5.99% |
| 19 | UMB BankKansas City, | B | 5.99% | 507 | 22.9% | 5.99% |
| 20 | Loandepot.ComIrvine, CA | D | 5.99% | 6,180 | 16.1% | 5.99% |
| 21 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 6.00% | 295 | 9.5% | 6.00% |
| 22 | Alerus FinancialGrand Forks, ND | B | 6.00% | 182 | 7.7% | 6.00% |
| 23 | Morgan Stanley Private BankNew York, NY | A | 6.00% | 319 | 2.2% | 6.00% |
| 24 | Freedom MortgageBoca Raton, FL | B | 6.00% | 4,991 | 7.0% | 6.00% |
| 25 | American FinancingAurora, CO | D | 6.06% | 602 | 52.2% | 6.06% |
| 26 | Lakeview Community CapitalTucson, AZ | A | 6.13% | 205 | 0.5% | 6.13% |
| 27 | NBKC BankKansas, MO | B | 6.13% | 245 | 9.8% | 6.13% |
| 28 | Planet Home LendingMeriden, CT | B | 6.13% | 462 | 14.9% | 6.13% |
| 29 | Shea MortgageWalnut, CA | A | 6.13% | 469 | 1.1% | 6.13% |
| 30 | LoanUnited.comDuluth, GA | C | 6.13% | 628 | 6.4% | 6.13% |
| 31 | PHH MortgageMount Laurel, NJ | C | 6.13% | 659 | 7.6% | 6.13% |
| 32 | Sun West Mortgage CompanyCerritos, CA | B | 6.13% | 926 | 13.9% | 6.13% |
| 33 | Mortgage Research CenterColumbia, MO | C | 6.13% | 3,676 | 18.8% | 6.13% |
| 34 | Bank of AmericaCharlotte, NC | F | 6.24% | 6,229 | 32.2% | 6.24% |
| 35 | Clm MortgageHouston, TX | A | 6.25% | 171 | 1.2% | 6.25% |
| 36 | Longbridge FinancialMahwah, NJ | F | 6.25% | 313 | 10.5% | 6.25% |
| 37 | Unnamed lender 254900M2C4Q6DATP2889 | F | 6.25% | 718 | 15.0% | 6.25% |
| 38 | United Shore Financial ServicesPlymouth, MI | B | 6.25% | 25,383 | 10.2% | 6.25% |
| 39 | New West LendingPhoenix, AZ | B | 6.38% | 163 | 2.5% | 6.38% |
| 40 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 6.38% | 252 | 8.3% | 6.38% |
| 41 | Boeing Employees Credit UnionTukwila, WA | B | 6.38% | 273 | 23.4% | 6.38% |
| 42 | Fbc MortgageOrlando, FL | B | 6.38% | 277 | 1.1% | 6.38% |
| 43 | ResicentralLarkspur, CA | B | 6.38% | 309 | 3.2% | 6.38% |
| 44 | NexBankDallas, TX | B | 6.38% | 397 | 10.3% | 6.38% |
| 45 | LowerColumbia, MD | C | 6.38% | 495 | 9.9% | 6.38% |
| 46 | USAA Federal Savings BankPhoenix, AZ | C | 6.38% | 575 | 27.1% | 6.38% |
| 47 | Provident Funding AssociatesSanta Rosa, CA | A | 6.38% | 903 | 6.8% | 6.38% |
| 48 | Prosperity Home MortgageFairfax, VA | A | 6.38% | 1,082 | 4.7% | 6.38% |
| 49 | Mutual of Omaha MortgageSan Diego, CA | C | 6.38% | 1,303 | 12.1% | 6.38% |
| 50 | Plains Commerce BankSioux Falls, SD | B | 6.38% | 1,985 | 5.9% | 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.
