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 | UMB BankKansas City, | B | 5.99% | 758 | 25.3% | 5.99% |
| 2 | CMG MortgageSan Ramon, CA | A | 6.00% | 232 | 6.0% | 6.00% |
| 3 | Bank of AmericaCharlotte, NC | F | 6.24% | 1,342 | 30.7% | 6.24% |
| 4 | First Federal BankLake City, FL | B | 6.25% | 169 | 11.8% | 6.25% |
| 5 | Members Mortgage ServicesHutchinson, KS | D | 6.25% | 311 | 11.9% | 6.25% |
| 6 | Equity BankWichita, KS | A | 6.25% | 609 | 17.9% | 6.25% |
| 7 | Freedom MortgageBoca Raton, FL | B | 6.25% | 1,491 | 8.6% | 6.25% |
| 8 | Mortgage Research CenterColumbia, MO | C | 6.25% | 2,389 | 15.1% | 6.25% |
| 9 | Sun West Mortgage CompanyCerritos, CA | B | 6.38% | 177 | 6.8% | 6.38% |
| 10 | Pentagon Federal Credit UnionMclean, VA | F | 6.38% | 299 | 29.8% | 6.38% |
| 11 | Sunflower BankDallas, TX | B | 6.38% | 333 | 10.2% | 6.38% |
| 12 | Mutual of Omaha MortgageSan Diego, CA | C | 6.38% | 335 | 14.6% | 6.38% |
| 13 | Wells Fargo BankCharlotte, NC | B | 6.38% | 348 | 18.4% | 6.38% |
| 14 | USAA Federal Savings BankPhoenix, AZ | C | 6.38% | 406 | 21.9% | 6.38% |
| 15 | Planet Home LendingMeriden, CT | B | 6.38% | 413 | 9.7% | 6.38% |
| 16 | NBKC BankKansas, MO | B | 6.38% | 610 | 7.1% | 6.38% |
| 17 | Landmark National BankManhattan, KS | B | 6.38% | 875 | 4.0% | 6.38% |
| 18 | Commerce BankKansas City, MO | D | 6.38% | 1,383 | 24.4% | 6.38% |
| 19 | United Shore Financial ServicesPlymouth, MI | B | 6.38% | 2,545 | 11.4% | 6.38% |
| 20 | Communityamerica Credit UnionLenexa, KS | B | 6.38% | 3,575 | 12.4% | 6.38% |
| 21 | JPMorgan Chase BankColumbus, OH | B | 6.49% | 483 | 7.3% | 6.49% |
| 22 | The Central Trust BankJefferson City, MO | C | 6.49% | 541 | 10.7% | 6.49% |
| 23 | Pennymac Loan ServicesWestlake Village, CA | C | 6.49% | 2,103 | 10.8% | 6.49% |
| 24 | RCB BankClaremore, OK | B | 6.50% | 151 | 8.6% | 6.50% |
| 25 | Regent Financial GroupOmaha, NE | B | 6.50% | 173 | 0.0% | 6.50% |
| 26 | Community MortgageKansas City, MO | A | 6.50% | 188 | 0.5% | 6.50% |
| 27 | Endeavor Capital, LLC.Chesterfield, MO | C | 6.50% | 200 | 5.5% | 6.50% |
| 28 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 6.50% | 210 | 3.3% | 6.50% |
| 29 | Farmers Bank & TrustGreat Bend, KS | B | 6.50% | 220 | 7.3% | 6.50% |
| 30 | Guaranteed RateChicago, IL | B | 6.50% | 351 | 8.3% | 6.50% |
| 31 | Union Home MortgageStrongsville, OH | B | 6.50% | 413 | 9.2% | 6.50% |
| 32 | Bell BankFargo, ND | A | 6.50% | 460 | 4.1% | 6.50% |
| 33 | NBH BankGreenwood Village, CO | C | 6.50% | 555 | 9.0% | 6.50% |
| 34 | First State Bank of St. Charles, MissouriSt. Charles, MO | A | 6.50% | 606 | 0.0% | 6.50% |
| 35 | Premier Members Credit UnionBroomfield, CO | D | 6.50% | 665 | 8.7% | 6.50% |
| 36 | Navy Federal Credit UnionVienna, VA | D | 6.50% | 981 | 16.1% | 6.50% |
| 37 | Truity Federal Credit UnionBartlesville, OK | C | 6.60% | 230 | 12.2% | 6.60% |
| 38 | Click n' CloseAddison, TX | C | 6.63% | 185 | 2.7% | 6.63% |
| 39 | First BankSt. Louis, MO | C | 6.63% | 216 | 2.3% | 6.63% |
| 40 | Equity Prime MortgageAtlanta, GA | D | 6.63% | 223 | 6.3% | 6.63% |
| 41 | Exchange BankKearney, NE | A | 6.63% | 258 | 2.7% | 6.63% |
| 42 | American Mortgage BankOklahoma City, OK | C | 6.63% | 386 | 4.9% | 6.63% |
| 43 | Prosperity Home MortgageFairfax, VA | A | 6.63% | 387 | 4.1% | 6.63% |
| 44 | M Squared FinancialPrairie Village, KS | B | 6.63% | 390 | 1.0% | 6.63% |
| 45 | Carrington Mortgage ServicesOrange, CA | D | 6.63% | 397 | 49.1% | 6.63% |
| 46 | Sierra Pacific Mortgage CompanyFolsom, CA | C | 6.63% | 482 | 7.3% | 6.63% |
| 47 | Leaderone FinancialOverland Park, KS | D | 6.63% | 551 | 4.9% | 6.63% |
| 48 | Gateway First BankJenks, OK | B | 6.63% | 661 | 2.7% | 6.63% |
| 49 | Golden Plains Credit UnionGarden City, KS | C | 6.63% | 670 | 16.7% | 6.63% |
| 50 | Crosscountry MortgageCleveland, OH | B | 6.63% | 797 | 2.0% | 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.
