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 | NBT BankNorwich, NY | B | 4.99% | 171 | 22.2% | 4.99% |
| 2 | Berkshire BankPittsfield, MA | B | 5.00% | 187 | 24.6% | 5.00% |
| 3 | Union Savings BankDanbury, CT | A | 5.49% | 916 | 14.0% | 5.49% |
| 4 | Morgan Stanley Private BankNew York, NY | A | 5.80% | 302 | 3.6% | 5.80% |
| 5 | Connecticut State EmployeesHartford, CT | C | 5.80% | 444 | 19.1% | 5.80% |
| 6 | Members Mortgage CompanyStoneham, MA | B | 5.88% | 504 | 7.1% | 5.88% |
| 7 | Liberty BankMiddletown, CT | A | 5.99% | 3,513 | 9.5% | 5.99% |
| 8 | Manufacturers and Traders TrustBuffalo, NY | C | 5.99% | 4,030 | 31.8% | 5.99% |
| 9 | The Milford BankMilford, CT | C | 6.00% | 154 | 20.8% | 6.00% |
| 10 | Bank of AmericaCharlotte, NC | F | 6.00% | 4,591 | 32.1% | 6.00% |
| 11 | CitibankSioux Falls, SD | B | 6.13% | 598 | 16.2% | 6.13% |
| 12 | Wells Fargo BankCharlotte, NC | B | 6.13% | 736 | 15.2% | 6.13% |
| 13 | Fairfield County BankRidgefield, CT | A | 6.25% | 124 | 4.0% | 6.25% |
| 14 | Westfield BankWestfield, MA | B | 6.25% | 171 | 14.0% | 6.25% |
| 15 | PeoplesBankHolyoke, MA | C | 6.25% | 309 | 7.4% | 6.25% |
| 16 | The Torrington Savings BankTorrington, CT | C | 6.25% | 368 | 19.3% | 6.25% |
| 17 | Mortgage Research CenterColumbia, MO | C | 6.25% | 1,284 | 17.7% | 6.25% |
| 18 | Freedom MortgageBoca Raton, FL | B | 6.25% | 1,645 | 9.5% | 6.25% |
| 19 | Provident Funding AssociatesSanta Rosa, CA | A | 6.38% | 196 | 6.6% | 6.38% |
| 20 | Homestead FundingAlbany, NY | A | 6.38% | 486 | 2.7% | 6.38% |
| 21 | Norwich Commercial GroupAvon, CT | C | 6.38% | 631 | 9.7% | 6.38% |
| 22 | Lakeview Loan ServicingCoral Gables, FL | C | 6.38% | 699 | 51.4% | 6.38% |
| 23 | Newtown Savings BankNewtown, CT | B | 6.38% | 1,059 | 6.5% | 6.38% |
| 24 | U.S. BankCincinnati, OH | D | 6.38% | 1,758 | 16.0% | 6.38% |
| 25 | JPMorgan Chase BankColumbus, OH | B | 6.38% | 1,804 | 8.9% | 6.38% |
| 26 | Northwest Community BankWinsted, CT | A | 6.38% | 223 | 3.1% | 6.38% |
| 27 | Washington Trust Mortgage CompanyWesterly, RI | B | 6.49% | 155 | 5.2% | 6.49% |
| 28 | Centreville BankWest Warwick, RI | B | 6.49% | 158 | 16.5% | 6.49% |
| 29 | Leader BankArlington, MA | A | 6.49% | 210 | 0.5% | 6.49% |
| 30 | Bethpage Federal Credit UnionBethpage, NY | C | 6.49% | 244 | 38.5% | 6.49% |
| 31 | Chelsea Groton BankGroton, CT | B | 6.49% | 593 | 9.8% | 6.49% |
| 32 | Mutual of Omaha MortgageSan Diego, CA | C | 6.49% | 617 | 21.4% | 6.49% |
| 33 | First World MortgageHartford, CT | A | 6.49% | 2,332 | 3.5% | 6.49% |
| 34 | United Shore Financial ServicesPlymouth, MI | B | 6.50% | 4,239 | 13.7% | 6.50% |
| 35 | Mortgage Equity PartnersLynnfield, MA | B | 6.50% | 186 | 2.2% | 6.50% |
| 36 | Equity ResourcesNewark, OH | C | 6.50% | 191 | 8.9% | 6.50% |
| 37 | Warshaw CapitalStamford, CT | B | 6.50% | 193 | 1.0% | 6.50% |
| 38 | Guild MortgageSan Diego, CA | A | 6.50% | 329 | 5.8% | 6.50% |
| 39 | William Raveis MortgageWilmington, DE | C | 6.50% | 802 | 11.1% | 6.50% |
| 40 | Charter Oak Federal Credit UnionWaterford, CT | B | 6.50% | 1,015 | 12.7% | 6.50% |
| 41 | Movement MortgageLancaster, SC | A | 6.50% | 1,421 | 2.3% | 6.50% |
| 42 | Pennymac Loan ServicesWestlake Village, CA | C | 6.50% | 1,583 | 12.8% | 6.50% |
| 43 | Emm LoansCherry Hill, NJ | B | 6.63% | 155 | 7.1% | 6.63% |
| 44 | Province Mortgage AssociatesEast Providence, RI | C | 6.63% | 162 | 6.8% | 6.63% |
| 45 | Northpoint MortgageSturbridge, MA | A | 6.63% | 176 | 3.4% | 6.63% |
| 46 | Paramount Residential Mortgage GroupCorona, CA | B | 6.63% | 252 | 3.6% | 6.63% |
| 47 | V.i.p. MortgageScottsdale, AZ | B | 6.63% | 278 | 2.2% | 6.63% |
| 48 | NFMLinthicum, MD | A | 6.63% | 313 | 4.2% | 6.63% |
| 49 | Union Home MortgageStrongsville, OH | B | 6.63% | 469 | 5.1% | 6.63% |
| 50 | Plaza Home MortgageSan Diego, CA | C | 6.63% | 543 | 25.8% | 6.63% |
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.
