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 | 3.99% | 1,693 | 6.3% | 3.99% |
| 2 | Homeamerican MortgageDenver, CO | A | 4.50% | 1,422 | 8.3% | 4.50% |
| 3 | Dhi Mortgage CompanyArlington, TX | B | 4.63% | 1,512 | 12.4% | 4.63% |
| 4 | Inspire Home LoansNewport Beach, CA | B | 4.88% | 575 | 6.4% | 4.88% |
| 5 | Pulte MortgageWilmington, DE | A | 4.99% | 238 | 11.8% | 4.99% |
| 6 | Jet HomeloansJacksonville, FL | A | 4.99% | 615 | 4.1% | 4.99% |
| 7 | Nest Home LendingBoulder, CO | A | 4.99% | 716 | 0.8% | 4.99% |
| 8 | Taylor Morrison Home FundingMaitland, FL | A | 5.00% | 443 | 4.1% | 5.00% |
| 9 | Kbhs Home LoansIrving, TX | B | 5.13% | 463 | 4.1% | 5.13% |
| 10 | Charles Schwab BankWestlake, TX | A | 5.60% | 333 | 3.6% | 5.60% |
| 11 | UBS Bank USASalt Lake City, UT | A | 5.75% | 223 | 6.7% | 5.75% |
| 12 | Village Capital & InvestmentHenderson, NV | C | 5.75% | 638 | 17.9% | 5.75% |
| 13 | Lakeview Community CapitalTucson, AZ | A | 5.81% | 115 | 0.9% | 5.81% |
| 14 | Morgan Stanley Private BankNew York, NY | A | 5.85% | 536 | 1.9% | 5.85% |
| 15 | CitibankSioux Falls, SD | B | 5.88% | 304 | 14.8% | 5.88% |
| 16 | LoanUnited.comDuluth, GA | C | 5.88% | 375 | 6.4% | 5.88% |
| 17 | Freedom MortgageBoca Raton, FL | B | 5.88% | 3,542 | 6.2% | 5.88% |
| 18 | Partner ColoradoArvada, CO | D | 5.99% | 437 | 45.8% | 5.99% |
| 19 | Air Academy Federal Credit UnionColorado Springs, CO | B | 5.99% | 459 | 7.6% | 5.99% |
| 20 | Toll Brothers MortgageWilmington, DE | A | 5.99% | 560 | 8.9% | 5.99% |
| 21 | PHH MortgageMount Laurel, NJ | C | 5.99% | 592 | 8.5% | 5.99% |
| 22 | UMB BankKansas City, | B | 5.99% | 712 | 30.6% | 5.99% |
| 23 | Bank of AmericaCharlotte, NC | F | 5.99% | 2,216 | 28.7% | 5.99% |
| 24 | Mortgage Research CenterColumbia, MO | C | 5.99% | 3,204 | 20.4% | 5.99% |
| 25 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 6.00% | 345 | 5.8% | 6.00% |
| 26 | Homeowners Financial Group USAScottadale, AZ | B | 6.00% | 274 | 1.5% | 6.00% |
| 27 | Sun West Mortgage CompanyCerritos, CA | B | 6.00% | 400 | 11.0% | 6.00% |
| 28 | Stifel Bank and TrustSaint Louis, MO | A | 6.06% | 121 | 0.8% | 6.06% |
| 29 | Unnamed lender 254900M2C4Q6DATP2889 | F | 6.13% | 342 | 16.4% | 6.13% |
| 30 | NBKC BankKansas, MO | B | 6.13% | 349 | 7.2% | 6.13% |
| 31 | Mutual of Omaha MortgageSan Diego, CA | C | 6.13% | 957 | 12.2% | 6.13% |
| 32 | Lakeview Loan ServicingCoral Gables, FL | C | 6.13% | 2,096 | 48.8% | 6.13% |
| 33 | Loandepot.ComIrvine, CA | D | 6.13% | 2,979 | 18.1% | 6.13% |
| 34 | United Shore Financial ServicesPlymouth, MI | B | 6.13% | 23,111 | 8.8% | 6.13% |
| 35 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 6.25% | 148 | 14.9% | 6.25% |
| 36 | NmsiLos Angeles, CA | A | 6.25% | 168 | 0.0% | 6.25% |
| 37 | High Country BankSalida, CO | A | 6.25% | 219 | 5.5% | 6.25% |
| 38 | Longbridge FinancialMahwah, NJ | F | 6.25% | 237 | 11.0% | 6.25% |
| 39 | American Financial NetworkBrea, CA | C | 6.25% | 256 | 15.2% | 6.25% |
| 40 | Towne MortgageTroy, MI | B | 6.25% | 279 | 2.2% | 6.25% |
| 41 | Shea MortgageWalnut, CA | A | 6.25% | 311 | 2.3% | 6.25% |
| 42 | Flat Branch MortgageColumbia, MO | A | 6.25% | 392 | 0.3% | 6.25% |
| 43 | Planet Home LendingMeriden, CT | B | 6.25% | 501 | 11.6% | 6.25% |
| 44 | ResicentralLarkspur, CA | B | 6.25% | 573 | 3.5% | 6.25% |
| 45 | USAA Federal Savings BankPhoenix, AZ | C | 6.25% | 584 | 28.8% | 6.25% |
| 46 | Keystone FundingDover, DE | A | 6.25% | 609 | 2.3% | 6.25% |
| 47 | NFMLinthicum, MD | A | 6.25% | 802 | 0.6% | 6.25% |
| 48 | Guaranteed Rate AffinityChicago, IL | A | 6.25% | 803 | 4.2% | 6.25% |
| 49 | First Western Trust BankDenver, CO | A | 6.25% | 882 | 0.3% | 6.25% |
| 50 | Carrington Mortgage ServicesOrange, CA | D | 6.25% | 921 | 42.5% | 6.25% |
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.
