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 | 5.50% | 500 | 10.4% | 5.50% |
| 2 | Metro CUOmaha, NE | B | 5.75% | 1,077 | 25.5% | 5.75% |
| 3 | Bank of AmericaCharlotte, NC | F | 5.99% | 270 | 33.0% | 5.99% |
| 4 | Fairway Independent MortgageMadison, WI | B | 6.13% | 885 | 4.8% | 6.13% |
| 5 | GREENSTATE Credit UnionNorth Liberty, IA | B | 6.24% | 189 | 5.3% | 6.24% |
| 6 | Prosperity Home MortgageFairfax, VA | A | 6.25% | 331 | 3.3% | 6.25% |
| 7 | Core BankOmaha, NE | A | 6.25% | 492 | 3.9% | 6.25% |
| 8 | Freedom MortgageBoca Raton, FL | B | 6.25% | 898 | 9.1% | 6.25% |
| 9 | Mortgage Research CenterColumbia, MO | C | 6.25% | 1,651 | 12.5% | 6.25% |
| 10 | CentrisOmaha, NE | B | 6.25% | 2,002 | 16.3% | 6.25% |
| 11 | United Shore Financial ServicesPlymouth, MI | B | 6.37% | 1,558 | 8.2% | 6.37% |
| 12 | Regent Financial GroupOmaha, NE | B | 6.38% | 327 | 0.0% | 6.38% |
| 13 | Mutual of Omaha MortgageSan Diego, CA | C | 6.38% | 400 | 13.8% | 6.38% |
| 14 | First BankSt. Louis, MO | C | 6.38% | 409 | 2.4% | 6.38% |
| 15 | Wells Fargo BankCharlotte, NC | B | 6.38% | 515 | 16.9% | 6.38% |
| 16 | Plains Commerce BankSioux Falls, SD | B | 6.38% | 546 | 7.9% | 6.38% |
| 17 | Access BankOmaha, NE | A | 6.38% | 565 | 2.1% | 6.38% |
| 18 | Guild MortgageSan Diego, CA | A | 6.38% | 626 | 3.5% | 6.38% |
| 19 | Gershman InvestmentChesterfield, MO | B | 6.38% | 654 | 1.7% | 6.38% |
| 20 | Lincoln FSB of NebraskaLincoln, NE | A | 6.38% | 1,294 | 2.8% | 6.38% |
| 21 | JPMorgan Chase BankColumbus, OH | B | 6.49% | 273 | 12.8% | 6.49% |
| 22 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 6.49% | 356 | 1.4% | 6.49% |
| 23 | Pennymac Loan ServicesWestlake Village, CA | C | 6.49% | 1,137 | 11.8% | 6.49% |
| 24 | Veridian Credit UnionWaterloo, IA | B | 6.49% | 2,051 | 9.8% | 6.49% |
| 25 | Paramount Residential Mortgage GroupCorona, CA | B | 6.50% | 154 | 4.6% | 6.50% |
| 26 | Union Home MortgageStrongsville, OH | B | 6.50% | 188 | 3.2% | 6.50% |
| 27 | Northwest BankSpencer, IA | A | 6.50% | 271 | 2.6% | 6.50% |
| 28 | Churchill MortgageBrentwood, TN | B | 6.50% | 634 | 2.4% | 6.50% |
| 29 | NewrezWilmington, DE | D | 6.50% | 657 | 16.4% | 6.50% |
| 30 | Guaranteed RateChicago, IL | B | 6.50% | 863 | 4.1% | 6.50% |
| 31 | CMG MortgageSan Ramon, CA | A | 6.50% | 968 | 3.5% | 6.50% |
| 32 | Union Bank and TrustLincoln, NE | B | 6.50% | 1,835 | 10.0% | 6.50% |
| 33 | West Gate BankLincoln, NE | A | 6.50% | 2,040 | 5.0% | 6.50% |
| 34 | Charter West BankWest Point, NE | C | 6.50% | 2,258 | 6.6% | 6.50% |
| 35 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 6.63% | 194 | 1.0% | 6.63% |
| 36 | Castle & Cooke MortgageWilmington, DE | C | 6.63% | 262 | 5.0% | 6.63% |
| 37 | Flat Branch MortgageColumbia, MO | A | 6.63% | 302 | 0.3% | 6.63% |
| 38 | Moria DevelopmentTempe, AZ | B | 6.63% | 394 | 3.6% | 6.63% |
| 39 | Liberty First Credit UnionLincoln, NE | C | 6.63% | 659 | 9.6% | 6.63% |
| 40 | Dundee BankOmaha, NE | B | 6.75% | 263 | 4.6% | 6.75% |
| 41 | Dayspring BankGothenburg, NE | A | 6.75% | 329 | 5.8% | 6.75% |
| 42 | Security First BankRapid City, SD | A | 6.75% | 380 | 2.6% | 6.75% |
| 43 | American National BankOmaha, NE | C | 6.75% | 424 | 7.8% | 6.75% |
| 44 | Navy Federal Credit UnionVienna, VA | D | 6.75% | 639 | 18.2% | 6.75% |
| 45 | Rocket MortgagePlymouth, MI | C | 6.75% | 3,384 | 17.6% | 6.75% |
| 46 | Home Federal Savings and Loan Association of Grand IslandGrand Island, NE | B | 6.88% | 259 | 8.9% | 6.88% |
| 47 | Citizens BankProvidence, RI | C | 6.88% | 290 | 17.9% | 6.88% |
| 48 | Broker SolutionsTustin, CA | D | 6.88% | 552 | 7.8% | 6.88% |
| 49 | Pinnacle BankLincoln, NE | B | 6.95% | 3,371 | 4.3% | 6.95% |
| 50 | Loandepot.ComIrvine, CA | D | 6.99% | 507 | 30.2% | 6.99% |
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.
