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 | Orrstown BankHarrisburg, PA | A | 4.35% | 231 | 20.8% | 4.35% |
| 2 | PatriotFranklin, PA | A | 4.99% | 269 | 26.0% | 4.99% |
| 3 | Educational SystemsGreenbelt, MD | C | 4.99% | 1,309 | 40.1% | 4.99% |
| 4 | First Financial of Maryland Federal Credit UnionSparks, MD | C | 5.00% | 698 | 12.5% | 5.00% |
| 5 | Dhi Mortgage CompanyArlington, TX | B | 5.50% | 1,140 | 13.8% | 5.50% |
| 6 | United Nations Federal Credit UnionNew York, NY | B | 5.75% | 171 | 8.8% | 5.75% |
| 7 | Planet Home LendingMeriden, CT | B | 5.75% | 241 | 21.2% | 5.75% |
| 8 | Credit Union Mortgage AssociationWilmington, DE | B | 5.75% | 402 | 7.2% | 5.75% |
| 9 | Village Capital & InvestmentHenderson, NV | C | 5.75% | 957 | 22.2% | 5.75% |
| 10 | First Federal BankLake City, FL | B | 5.88% | 166 | 5.4% | 5.88% |
| 11 | POINT BREEZE Credit UnionHunt Valley, MD | A | 5.88% | 368 | 7.3% | 5.88% |
| 12 | Aberdeen Proving Ground Federal Credit UnionEdgewood, MD | C | 5.88% | 2,326 | 15.6% | 5.88% |
| 13 | Morgan Stanley Private BankNew York, NY | A | 5.95% | 251 | 2.4% | 5.95% |
| 14 | LoanUnited.comDuluth, GA | C | 5.99% | 335 | 8.1% | 5.99% |
| 15 | Lakeview Loan ServicingCoral Gables, FL | C | 5.99% | 1,126 | 57.6% | 5.99% |
| 16 | Manufacturers and Traders TrustBuffalo, NY | C | 5.99% | 5,497 | 32.0% | 5.99% |
| 17 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 6.00% | 329 | 7.3% | 6.00% |
| 18 | PHH MortgageMount Laurel, NJ | C | 6.00% | 496 | 5.2% | 6.00% |
| 19 | Lakeview Community CapitalTucson, AZ | A | 6.13% | 155 | 2.6% | 6.13% |
| 20 | National Institutes of Health Federal Credit UnionRockville, MD | D | 6.13% | 184 | 13.0% | 6.13% |
| 21 | Pulte MortgageWilmington, DE | A | 6.13% | 379 | 9.0% | 6.13% |
| 22 | Unnamed lender 254900M2C4Q6DATP2889 | F | 6.13% | 393 | 19.9% | 6.13% |
| 23 | Sun West Mortgage CompanyCerritos, CA | B | 6.13% | 418 | 12.0% | 6.13% |
| 24 | CitibankSioux Falls, SD | B | 6.13% | 755 | 15.5% | 6.13% |
| 25 | Mortgage Research CenterColumbia, MO | C | 6.13% | 3,351 | 19.2% | 6.13% |
| 26 | United Shore Financial ServicesPlymouth, MI | B | 6.13% | 9,307 | 16.0% | 6.13% |
| 27 | United BankVienna, VA | C | 6.15% | 457 | 14.7% | 6.15% |
| 28 | Bank of AmericaCharlotte, NC | F | 6.24% | 6,051 | 35.8% | 6.24% |
| 29 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 6.25% | 128 | 3.9% | 6.25% |
| 30 | Finance of America ReverseTulsa, OK | C | 6.25% | 148 | 14.2% | 6.25% |
| 31 | The Dart BankMason, MI | B | 6.25% | 159 | 10.1% | 6.25% |
| 32 | Mutual of Omaha MortgageSan Diego, CA | C | 6.25% | 863 | 22.4% | 6.25% |
| 33 | NVR Mortgage FinanceReston, VA | B | 6.25% | 2,739 | 19.7% | 6.25% |
| 34 | Freedom MortgageBoca Raton, FL | B | 6.25% | 5,078 | 7.2% | 6.25% |
| 35 | State Employees Credit Union of MarylandLinthicum, MD | D | 6.25% | 5,624 | 44.6% | 6.25% |
| 36 | First Peoples Community Federal Credit UnionCumberland, MD | B | 6.38% | 186 | 4.3% | 6.38% |
| 37 | OriginPointChicago, IL | B | 6.38% | 393 | 2.0% | 6.38% |
| 38 | Provident Funding AssociatesSanta Rosa, CA | A | 6.38% | 472 | 6.1% | 6.38% |
| 39 | USAA Federal Savings BankPhoenix, AZ | C | 6.38% | 527 | 31.7% | 6.38% |
| 40 | Lennar MortgageMiami, FL | A | 6.38% | 1,008 | 7.1% | 6.38% |
| 41 | Wells Fargo BankCharlotte, NC | B | 6.38% | 1,307 | 16.4% | 6.38% |
| 42 | Guaranteed RateChicago, IL | B | 6.38% | 1,515 | 6.1% | 6.38% |
| 43 | First Heritage MortgageFairfax, VA | A | 6.38% | 1,521 | 3.4% | 6.38% |
| 44 | First Alliance Home MortgageCranford, NJ | C | 6.49% | 144 | 2.1% | 6.49% |
| 45 | First Community MortgageMurfreesboro, TN | A | 6.49% | 208 | 5.3% | 6.49% |
| 46 | Keystone FundingDover, DE | A | 6.49% | 217 | 4.2% | 6.49% |
| 47 | Intercoastal MortgageReston, VA | A | 6.49% | 220 | 0.5% | 6.49% |
| 48 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 6.49% | 243 | 1.2% | 6.49% |
| 49 | Ameris BankAtlanta, GA | B | 6.49% | 641 | 7.8% | 6.49% |
| 50 | Bay Capital MortgageAnnapolis, MD | B | 6.49% | 739 | 7.3% | 6.49% |
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.
