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 | Lennar MortgageMiami, FL | A | 5.50% | 516 | 16.3% | 5.50% |
| 2 | Dhi Mortgage CompanyArlington, TX | B | 5.50% | 1,080 | 12.1% | 5.50% |
| 3 | Village Capital & InvestmentHenderson, NV | C | 5.75% | 394 | 17.0% | 5.75% |
| 4 | Planet Home LendingMeriden, CT | B | 5.99% | 191 | 20.9% | 5.99% |
| 5 | Lendlo MortgageHouston, TX | A | 5.99% | 425 | 4.0% | 5.99% |
| 6 | Telcoe Federal Credit UnionLittle Rock, AR | A | 6.06% | 124 | 4.0% | 6.06% |
| 7 | United Shore Financial ServicesPlymouth, MI | B | 6.12% | 2,456 | 13.3% | 6.12% |
| 8 | First Colony MortgageOrem, UT | A | 6.13% | 155 | 2.6% | 6.13% |
| 9 | Regions BankBirmingham, AL | C | 6.13% | 2,646 | 40.0% | 6.13% |
| 10 | Priority BankFayetteville, AR | A | 6.25% | 284 | 0.4% | 6.25% |
| 11 | Community MortgageCordova, | A | 6.25% | 317 | 2.2% | 6.25% |
| 12 | CMG MortgageSan Ramon, CA | A | 6.25% | 346 | 3.8% | 6.25% |
| 13 | Click n' CloseAddison, TX | C | 6.25% | 672 | 2.7% | 6.25% |
| 14 | Bank of AmericaCharlotte, NC | F | 6.25% | 980 | 35.9% | 6.25% |
| 15 | Freedom MortgageBoca Raton, FL | B | 6.25% | 1,672 | 8.4% | 6.25% |
| 16 | Mortgage Research CenterColumbia, MO | C | 6.25% | 2,767 | 18.3% | 6.25% |
| 17 | NewrezWilmington, DE | D | 6.31% | 1,306 | 19.1% | 6.31% |
| 18 | Paramount Residential Mortgage GroupCorona, CA | B | 6.38% | 157 | 8.3% | 6.38% |
| 19 | Union Home MortgageStrongsville, OH | B | 6.38% | 196 | 12.8% | 6.38% |
| 20 | First Western MortgageBooneville, AR | B | 6.38% | 239 | 5.0% | 6.38% |
| 21 | Wells Fargo BankCharlotte, NC | B | 6.38% | 283 | 17.3% | 6.38% |
| 22 | Gershman InvestmentChesterfield, MO | B | 6.38% | 348 | 5.5% | 6.38% |
| 23 | USAA Federal Savings BankPhoenix, AZ | C | 6.38% | 425 | 24.7% | 6.38% |
| 24 | Gateway First BankJenks, OK | B | 6.38% | 437 | 4.4% | 6.38% |
| 25 | Mutual of Omaha MortgageSan Diego, CA | C | 6.38% | 492 | 18.5% | 6.38% |
| 26 | JPMorgan Chase BankColumbus, OH | B | 6.38% | 547 | 11.7% | 6.38% |
| 27 | Pennymac Loan ServicesWestlake Village, CA | C | 6.38% | 2,076 | 12.4% | 6.38% |
| 28 | Simmons BankPine Bluff, AR | C | 6.44% | 1,568 | 22.3% | 6.44% |
| 29 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 6.49% | 244 | 5.3% | 6.49% |
| 30 | First Community MortgageMurfreesboro, TN | A | 6.49% | 336 | 6.3% | 6.49% |
| 31 | Flat Branch MortgageColumbia, MO | A | 6.49% | 1,840 | 0.4% | 6.49% |
| 32 | Fairway Independent MortgageMadison, WI | B | 6.49% | 1,864 | 6.0% | 6.49% |
| 33 | Firsttrust Home LoansSheridan, AR | B | 6.49% | 2,590 | 0.5% | 6.49% |
| 34 | The Central Trust BankJefferson City, MO | C | 6.50% | 185 | 4.3% | 6.50% |
| 35 | Mortgage Investors GroupNashville, TN | B | 6.50% | 188 | 2.1% | 6.50% |
| 36 | Primelending, a PlainscapitalDallas, TX | A | 6.50% | 206 | 1.5% | 6.50% |
| 37 | LowerColumbia, MD | C | 6.50% | 218 | 7.8% | 6.50% |
| 38 | Bank of EnglandEngland, AR | C | 6.50% | 262 | 7.3% | 6.50% |
| 39 | Zillow Home LoansIrvine, CA | B | 6.50% | 273 | 5.1% | 6.50% |
| 40 | GoodLeapRoseville, CA | C | 6.50% | 281 | 24.9% | 6.50% |
| 41 | Equity Prime MortgageAtlanta, GA | D | 6.50% | 292 | 8.6% | 6.50% |
| 42 | Associated MortgageTulsa, OK | A | 6.50% | 297 | 0.3% | 6.50% |
| 43 | Firstar BankSallisaw, OK | B | 6.50% | 301 | 4.3% | 6.50% |
| 44 | My Move MortgageUtah, UT | A | 6.50% | 333 | 0.6% | 6.50% |
| 45 | Swbc MortgageSan Antonio, TX | A | 6.50% | 443 | 1.4% | 6.50% |
| 46 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 6.50% | 463 | 1.5% | 6.50% |
| 47 | Carrington Mortgage ServicesOrange, CA | D | 6.50% | 493 | 45.6% | 6.50% |
| 48 | The First National Bank of Fort SmithFort Smith, AR | B | 6.50% | 501 | 4.8% | 6.50% |
| 49 | First Financial BankEl Dorado, AR | B | 6.50% | 506 | 6.3% | 6.50% |
| 50 | Guaranteed RateChicago, IL | B | 6.50% | 514 | 6.8% | 6.50% |
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.
