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 | Trailblazer MortgageOrlando, FL | B | 3.99% | 1,067 | 4.2% | 3.99% |
| 2 | Homeamerican MortgageDenver, CO | A | 4.63% | 815 | 15.1% | 4.63% |
| 3 | Lennar MortgageMiami, FL | A | 4.75% | 14,984 | 21.0% | 4.75% |
| 4 | Inspire Home LoansNewport Beach, CA | B | 4.88% | 1,427 | 17.9% | 4.88% |
| 5 | Dhi Mortgage CompanyArlington, TX | B | 4.88% | 16,661 | 14.5% | 4.88% |
| 6 | Park Square Home MortgageOrlando, FL | B | 4.99% | 246 | 6.9% | 4.99% |
| 7 | First Heritage MortgageFairfax, VA | A | 4.99% | 742 | 6.1% | 4.99% |
| 8 | Coastal LoansOrlando, FL | B | 4.99% | 1,031 | 5.3% | 4.99% |
| 9 | Jet HomeloansJacksonville, FL | A | 4.99% | 1,859 | 3.1% | 4.99% |
| 10 | Grace Home LendingHouston, TX | A | 5.25% | 116 | 0.0% | 5.25% |
| 11 | Regions BankBirmingham, AL | C | 5.38% | 14,062 | 39.5% | 5.38% |
| 12 | Florida Central Credit UnionTampa, FL | F | 5.50% | 210 | 6.7% | 5.50% |
| 13 | Raymond James BankSaint Petersburg, FL | A | 5.50% | 381 | 7.4% | 5.50% |
| 14 | M/i FinancialColumbus, OH | A | 5.50% | 1,518 | 3.2% | 5.50% |
| 15 | Mattamy Home FundingDover, DE | A | 5.50% | 1,519 | 12.3% | 5.50% |
| 16 | Pulte MortgageWilmington, DE | A | 5.50% | 6,342 | 15.6% | 5.50% |
| 17 | Space Coast Credit UnionMelbourne, FL | C | 5.50% | 12,006 | 30.0% | 5.50% |
| 18 | Charles Schwab BankWestlake, TX | A | 5.55% | 545 | 9.5% | 5.55% |
| 19 | Taylor Morrison Home FundingMaitland, FL | A | 5.63% | 3,019 | 23.4% | 5.63% |
| 20 | Vanderbilt Mortgage and FinanceMaryville, TN | F | 5.63% | 4,179 | 35.0% | 5.63% |
| 21 | Clearpath LendingIrvine, CA | B | 5.75% | 237 | 10.1% | 5.75% |
| 22 | RBC Bank, (Georgia)Atlanta, GA | B | 5.75% | 355 | 25.1% | 5.75% |
| 23 | K. Hovnanian American MortgagePerth Amboy, FL | B | 5.75% | 515 | 16.3% | 5.75% |
| 24 | Dade County Federal Credit UnionSweetwater, FL | C | 5.75% | 735 | 34.0% | 5.75% |
| 25 | Village Capital & InvestmentHenderson, NV | C | 5.75% | 3,222 | 22.1% | 5.75% |
| 26 | 1st Signature LendingIndianapolis, IN | C | 5.88% | 220 | 3.2% | 5.88% |
| 27 | UBS Bank USASalt Lake City, UT | A | 5.88% | 459 | 9.8% | 5.88% |
| 28 | Manufacturers and Traders TrustBuffalo, NY | C | 5.88% | 773 | 35.6% | 5.88% |
| 29 | TrustCo BankGlenville, NY | B | 5.88% | 2,019 | 27.8% | 5.88% |
| 30 | Morgan Stanley Private BankNew York, NY | A | 5.93% | 1,430 | 5.9% | 5.93% |
| 31 | Dsld MortgageDover, DE | A | 5.99% | 255 | 2.8% | 5.99% |
| 32 | Republic Bank & TrustLouisville, KY | B | 5.99% | 672 | 10.6% | 5.99% |
| 33 | Bank OZKLittle Rock, AR | C | 5.99% | 846 | 37.8% | 5.99% |
| 34 | NVR Mortgage FinanceReston, VA | B | 5.99% | 1,821 | 24.7% | 5.99% |
| 35 | Kbhs Home LoansIrving, TX | B | 5.99% | 2,151 | 8.5% | 5.99% |
| 36 | Stifel Bank and TrustSaint Louis, MO | A | 6.00% | 314 | 2.9% | 6.00% |
| 37 | Dfcu FinancialDearborn, MI | B | 6.00% | 404 | 8.4% | 6.00% |
| 38 | First-Citizens Bank & TrustRaleigh, NC | B | 6.00% | 454 | 23.8% | 6.00% |
| 39 | HSBC Bank USAMclean, VA | B | 6.03% | 264 | 14.4% | 6.03% |
| 40 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 6.04% | 690 | 12.3% | 6.04% |
| 41 | Neal Communities FundingMaitland, FL | B | 6.12% | 549 | 8.0% | 6.12% |
| 42 | USF Federal Credit UnionTemple Terrace, FL | D | 6.13% | 675 | 29.9% | 6.13% |
| 43 | Hancock Whitney BankGulfport, MS | B | 6.13% | 847 | 20.7% | 6.13% |
| 44 | Tomo MortgageNew York, NY | B | 6.13% | 867 | 6.6% | 6.13% |
| 45 | City National Bank of FloridaMiami, FL | B | 6.13% | 1,211 | 9.2% | 6.13% |
| 46 | LoanUnited.comDuluth, GA | C | 6.13% | 1,288 | 9.7% | 6.13% |
| 47 | Unnamed lender 254900M2C4Q6DATP2889 | F | 6.13% | 1,547 | 18.8% | 6.13% |
| 48 | PHH MortgageMount Laurel, NJ | C | 6.13% | 1,701 | 10.5% | 6.13% |
| 49 | Fbc MortgageOrlando, FL | B | 6.13% | 4,011 | 5.6% | 6.13% |
| 50 | Bank of AmericaCharlotte, NC | F | 6.24% | 23,634 | 37.7% | 6.24% |
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.
