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 | Inspire Home LoansNewport Beach, CA | B | 4.88% | 976 | 10.3% | 4.88% |
| 2 | Jet HomeloansJacksonville, FL | A | 4.99% | 519 | 10.4% | 4.99% |
| 3 | Trailblazer MortgageOrlando, FL | B | 4.99% | 1,251 | 3.6% | 4.99% |
| 4 | Dhi Mortgage CompanyArlington, TX | B | 4.99% | 4,295 | 17.0% | 4.99% |
| 5 | Taylor Morrison Home FundingMaitland, FL | A | 5.38% | 572 | 10.0% | 5.38% |
| 6 | Lennar MortgageMiami, FL | A | 5.38% | 1,124 | 12.7% | 5.38% |
| 7 | Pulte MortgageWilmington, DE | A | 5.38% | 1,206 | 13.8% | 5.38% |
| 8 | Unnamed lender 254900IGPKT07NB45N35 | A | 5.49% | 229 | 1.3% | 5.49% |
| 9 | Clearpath LendingIrvine, CA | B | 5.75% | 147 | 7.5% | 5.75% |
| 10 | Charles Schwab BankWestlake, TX | A | 5.75% | 152 | 2.6% | 5.75% |
| 11 | Credit Union Financial ServicesDecatur, GA | A | 5.75% | 209 | 2.4% | 5.75% |
| 12 | Village Capital & InvestmentHenderson, NV | C | 5.75% | 2,259 | 21.3% | 5.75% |
| 13 | Victory MortgageErlanger, KY | A | 5.88% | 255 | 7.1% | 5.88% |
| 14 | Morgan Stanley Private BankNew York, NY | A | 5.90% | 421 | 4.8% | 5.90% |
| 15 | Fbc MortgageOrlando, FL | B | 5.99% | 392 | 4.6% | 5.99% |
| 16 | Bank OZKLittle Rock, AR | C | 5.99% | 1,399 | 38.7% | 5.99% |
| 17 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 6.00% | 628 | 9.2% | 6.00% |
| 18 | Stifel Bank and TrustSaint Louis, MO | A | 6.00% | 126 | 2.4% | 6.00% |
| 19 | East West BankPasadena, CA | B | 6.00% | 375 | 13.1% | 6.00% |
| 20 | Sun West Mortgage CompanyCerritos, CA | B | 6.00% | 764 | 14.0% | 6.00% |
| 21 | Planet Home LendingMeriden, CT | B | 6.00% | 1,482 | 15.5% | 6.00% |
| 22 | First Continental MortgageHouston, TX | A | 6.13% | 150 | 0.7% | 6.13% |
| 23 | Manufacturers and Traders TrustBuffalo, NY | C | 6.13% | 253 | 24.9% | 6.13% |
| 24 | CitibankSioux Falls, SD | B | 6.13% | 361 | 15.0% | 6.13% |
| 25 | NBKC BankKansas, MO | B | 6.13% | 476 | 12.8% | 6.13% |
| 26 | NVR Mortgage FinanceReston, VA | B | 6.13% | 552 | 34.6% | 6.13% |
| 27 | Unnamed lender 254900M2C4Q6DATP2889 | F | 6.13% | 902 | 18.1% | 6.13% |
| 28 | LoanUnited.comDuluth, GA | C | 6.13% | 1,000 | 6.7% | 6.13% |
| 29 | Robins FinancialWarner Robins, GA | B | 6.13% | 2,398 | 26.7% | 6.13% |
| 30 | American FinancingAurora, CO | D | 6.13% | 2,673 | 54.5% | 6.13% |
| 31 | Regions BankBirmingham, AL | C | 6.13% | 6,451 | 37.9% | 6.13% |
| 32 | Bank of AmericaCharlotte, NC | F | 6.24% | 9,168 | 36.5% | 6.24% |
| 33 | Longbridge FinancialMahwah, NJ | F | 6.25% | 203 | 12.3% | 6.25% |
| 34 | Lakeview Community CapitalTucson, AZ | A | 6.25% | 360 | 1.4% | 6.25% |
| 35 | SRP Federal Credit UnionNorth Augusta, SC | C | 6.25% | 501 | 18.2% | 6.25% |
| 36 | Mortgage AssuranceAlpharetta, GA | B | 6.25% | 524 | 0.6% | 6.25% |
| 37 | First Heritage MortgageFairfax, VA | A | 6.25% | 555 | 4.1% | 6.25% |
| 38 | Magnolia BankHodgenville, KY | C | 6.25% | 899 | 6.1% | 6.25% |
| 39 | USAA Federal Savings BankPhoenix, AZ | C | 6.25% | 1,279 | 26.0% | 6.25% |
| 40 | MilendAlpharetta, GA | F | 6.25% | 1,507 | 11.2% | 6.25% |
| 41 | Canopy MortgageLindon, UT | B | 6.25% | 2,253 | 1.7% | 6.25% |
| 42 | Banksouth Mortgage CompanyGreensboro, GA | A | 6.25% | 2,387 | 3.9% | 6.25% |
| 43 | Guild MortgageSan Diego, CA | A | 6.25% | 5,377 | 5.2% | 6.25% |
| 44 | Freedom MortgageBoca Raton, FL | B | 6.25% | 9,293 | 9.1% | 6.25% |
| 45 | Mortgage Research CenterColumbia, MO | C | 6.25% | 9,443 | 19.8% | 6.25% |
| 46 | United Shore Financial ServicesPlymouth, MI | B | 6.25% | 23,784 | 12.6% | 6.25% |
| 47 | First-Citizens Bank & TrustRaleigh, NC | B | 6.35% | 702 | 21.7% | 6.35% |
| 48 | Princeton MortgageEwing, NJ | C | 6.38% | 162 | 3.7% | 6.38% |
| 49 | United Trust BankPalos Heights, IL | C | 6.38% | 162 | 8.6% | 6.38% |
| 50 | ResicentralLarkspur, CA | B | 6.38% | 175 | 3.4% | 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.
