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 | Dhi Mortgage CompanyArlington, TX | B | 4.99% | 1,014 | 16.9% | 4.99% |
| 2 | Village Capital & InvestmentHenderson, NV | C | 5.75% | 278 | 11.9% | 5.75% |
| 3 | Regions BankBirmingham, AL | C | 5.75% | 4,916 | 44.7% | 5.75% |
| 4 | Hancock Whitney BankGulfport, MS | B | 6.00% | 795 | 25.7% | 6.00% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 6.13% | 1,342 | 13.9% | 6.13% |
| 6 | United Shore Financial ServicesPlymouth, MI | B | 6.13% | 2,109 | 13.9% | 6.13% |
| 7 | Community MortgageCordova, | A | 6.25% | 330 | 2.1% | 6.25% |
| 8 | Dsld MortgageDover, DE | A | 6.25% | 357 | 5.9% | 6.25% |
| 9 | Planet Home LendingMeriden, CT | B | 6.25% | 362 | 13.0% | 6.25% |
| 10 | Union Home MortgageStrongsville, OH | B | 6.25% | 398 | 7.5% | 6.25% |
| 11 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 6.25% | 485 | 6.6% | 6.25% |
| 12 | American Mortgage BankOklahoma City, OK | C | 6.25% | 762 | 3.7% | 6.25% |
| 13 | NewrezWilmington, DE | D | 6.25% | 1,088 | 27.7% | 6.25% |
| 14 | CMG MortgageSan Ramon, CA | A | 6.25% | 1,161 | 5.9% | 6.25% |
| 15 | Freedom MortgageBoca Raton, FL | B | 6.25% | 1,626 | 8.1% | 6.25% |
| 16 | USAA Federal Savings BankPhoenix, AZ | C | 6.38% | 316 | 31.7% | 6.38% |
| 17 | First Community MortgageMurfreesboro, TN | A | 6.38% | 324 | 11.7% | 6.38% |
| 18 | Magnolia BankHodgenville, KY | C | 6.38% | 509 | 4.9% | 6.38% |
| 19 | Mortgage Research CenterColumbia, MO | C | 6.38% | 2,628 | 19.1% | 6.38% |
| 20 | Wells Fargo BankCharlotte, NC | B | 6.44% | 312 | 24.4% | 6.44% |
| 21 | JPMorgan Chase BankColumbus, OH | B | 6.50% | 432 | 12.3% | 6.50% |
| 22 | Premier Mortgage ResourcesMeridian, ID | B | 6.50% | 159 | 8.2% | 6.50% |
| 23 | Towne MortgageTroy, MI | B | 6.50% | 234 | 6.8% | 6.50% |
| 24 | Nations LendingIndependence, OH | B | 6.50% | 238 | 3.8% | 6.50% |
| 25 | Eagle Bank and TrustLittle Rock, AR | A | 6.50% | 267 | 3.4% | 6.50% |
| 26 | Mutual of Omaha MortgageSan Diego, CA | C | 6.50% | 322 | 25.8% | 6.50% |
| 27 | Guaranteed RateChicago, IL | B | 6.50% | 364 | 16.8% | 6.50% |
| 28 | Mortgage Investors GroupNashville, TN | B | 6.50% | 372 | 2.2% | 6.50% |
| 29 | Guild MortgageSan Diego, CA | A | 6.50% | 1,142 | 5.9% | 6.50% |
| 30 | Loandepot.ComIrvine, CA | D | 6.50% | 1,195 | 29.5% | 6.50% |
| 31 | BankPlusRidgeland, MS | B | 6.50% | 2,638 | 10.7% | 6.50% |
| 32 | Carrington Mortgage ServicesOrange, CA | D | 6.56% | 474 | 48.5% | 6.56% |
| 33 | LoansteadyMclean, VA | A | 6.63% | 172 | 2.3% | 6.63% |
| 34 | Primelending, a PlainscapitalDallas, TX | A | 6.63% | 274 | 5.5% | 6.63% |
| 35 | Equity Prime MortgageAtlanta, GA | D | 6.63% | 287 | 11.9% | 6.63% |
| 36 | GMFSBaton Rouge, LA | A | 6.63% | 396 | 2.5% | 6.63% |
| 37 | Stockton MortgageFrankfort, KY | D | 6.63% | 579 | 7.8% | 6.63% |
| 38 | Crosscountry MortgageCleveland, OH | B | 6.63% | 941 | 4.5% | 6.63% |
| 39 | Navy Federal Credit UnionVienna, VA | D | 6.63% | 1,519 | 23.8% | 6.63% |
| 40 | Rocket MortgagePlymouth, MI | C | 6.63% | 4,636 | 24.8% | 6.63% |
| 41 | Fairway Independent MortgageMadison, WI | B | 6.69% | 391 | 9.5% | 6.69% |
| 42 | Origin BankRuston, LA | C | 6.75% | 179 | 14.0% | 6.75% |
| 43 | Kind LendingIrvine, CA | C | 6.75% | 217 | 18.4% | 6.75% |
| 44 | Merchants & Marine BankPascagoula, MS | C | 6.75% | 231 | 11.3% | 6.75% |
| 45 | First Horizon BankMemphis, TN | B | 6.75% | 239 | 18.8% | 6.75% |
| 46 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 6.75% | 316 | 2.5% | 6.75% |
| 47 | AmeriSave MortgageSandy Springs, GA | D | 6.75% | 1,257 | 66.4% | 6.75% |
| 48 | KeeslerBiloxi, MS | D | 6.75% | 2,422 | 40.4% | 6.75% |
| 49 | Trustmark National BankJackson, MS | C | 6.75% | 5,531 | 12.5% | 6.75% |
| 50 | Fidelity BankNew Orleans, LA | D | 6.88% | 218 | 11.0% | 6.88% |
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.
