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 | Manufacturers and Traders TrustBuffalo, NY | C | 5.99% | 574 | 31.9% | 5.99% |
| 2 | Bank of AmericaCharlotte, NC | F | 5.99% | 1,068 | 28.9% | 5.99% |
| 3 | Mortgage Research CenterColumbia, MO | C | 6.13% | 806 | 17.9% | 6.13% |
| 4 | Lakeview Loan ServicingCoral Gables, FL | C | 6.25% | 419 | 40.1% | 6.25% |
| 5 | Freedom MortgageBoca Raton, FL | B | 6.25% | 729 | 8.4% | 6.25% |
| 6 | Workers Federal Credit UnionLittleton, MA | B | 6.38% | 151 | 8.0% | 6.38% |
| 7 | Mutual of Omaha MortgageSan Diego, CA | C | 6.38% | 225 | 16.0% | 6.38% |
| 8 | Leader BankArlington, MA | A | 6.38% | 299 | 1.3% | 6.38% |
| 9 | JPMorgan Chase BankColumbus, OH | B | 6.38% | 311 | 10.9% | 6.38% |
| 10 | Service Federal Credit UnionPortsmouth, NH | C | 6.49% | 2,300 | 25.5% | 6.49% |
| 11 | United Shore Financial ServicesPlymouth, MI | B | 6.50% | 2,488 | 8.8% | 6.50% |
| 12 | Salem Five Mortgage CompanySalem, MA | A | 6.50% | 142 | 15.5% | 6.50% |
| 13 | Keystone FundingDover, DE | A | 6.50% | 214 | 2.8% | 6.50% |
| 14 | Northpoint MortgageSturbridge, MA | A | 6.50% | 317 | 4.4% | 6.50% |
| 15 | Holy Rosary Regional Credit UnionRochester, NH | A | 6.50% | 364 | 9.1% | 6.50% |
| 16 | Guaranteed RateChicago, IL | B | 6.55% | 700 | 4.6% | 6.55% |
| 17 | Primelending, a PlainscapitalDallas, TX | A | 6.63% | 172 | 6.4% | 6.63% |
| 18 | Embrace Home LoansMiddletown, RI | A | 6.63% | 174 | 1.7% | 6.63% |
| 19 | Everett FinancialDallas, | C | 6.63% | 174 | 2.9% | 6.63% |
| 20 | Envoy MortgageHouston, TX | D | 6.63% | 265 | 2.6% | 6.63% |
| 21 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 6.63% | 286 | 4.2% | 6.63% |
| 22 | Total Mortgage ServicesMilford, CT | B | 6.63% | 401 | 3.7% | 6.63% |
| 23 | Harborone MortgageBrockton, MA | B | 6.63% | 432 | 6.0% | 6.63% |
| 24 | Movement MortgageLancaster, SC | A | 6.63% | 444 | 4.3% | 6.63% |
| 25 | Pennymac Loan ServicesWestlake Village, CA | C | 6.63% | 680 | 11.8% | 6.63% |
| 26 | Emm LoansCherry Hill, NJ | B | 6.63% | 928 | 1.3% | 6.63% |
| 27 | Fairway Independent MortgageMadison, WI | B | 6.63% | 944 | 6.0% | 6.63% |
| 28 | Guild MortgageSan Diego, CA | A | 6.63% | 970 | 5.5% | 6.63% |
| 29 | CMG MortgageSan Ramon, CA | A | 6.63% | 3,499 | 2.5% | 6.63% |
| 30 | JEANNE D'ARC Credit UnionLowell, MA | B | 6.69% | 192 | 12.5% | 6.69% |
| 31 | The Camden National BankCamden, ME | A | 6.75% | 556 | 17.8% | 6.75% |
| 32 | Broker SolutionsTustin, CA | D | 6.75% | 585 | 9.1% | 6.75% |
| 33 | NewrezWilmington, DE | D | 6.75% | 836 | 17.1% | 6.75% |
| 34 | Loandepot.ComIrvine, CA | D | 6.75% | 936 | 14.6% | 6.75% |
| 35 | Rocket MortgagePlymouth, MI | C | 6.75% | 3,090 | 17.0% | 6.75% |
| 36 | Crosscountry MortgageCleveland, OH | B | 6.79% | 965 | 3.5% | 6.79% |
| 37 | METRO Credit UnionChelsea, MA | B | 6.85% | 231 | 11.7% | 6.85% |
| 38 | Waterstone MortgageBrookfield, WI | C | 6.88% | 149 | 4.0% | 6.88% |
| 39 | Union BankMorristown, VT | B | 6.88% | 198 | 3.5% | 6.88% |
| 40 | Luminate BankMinneapolis, MN | B | 6.88% | 233 | 2.6% | 6.88% |
| 41 | Eastern BankBoston, MA | B | 6.99% | 471 | 28.7% | 6.99% |
| 42 | Mascoma BankLebanon, NH | B | 6.99% | 580 | 12.4% | 6.99% |
| 43 | U.S. BankCincinnati, OH | D | 7.00% | 202 | 26.7% | 7.00% |
| 44 | Merrimack County Savings BankConcord, NH | D | 7.00% | 355 | 17.8% | 7.00% |
| 45 | Bangor Savings BankBangor, ME | B | 7.00% | 410 | 18.8% | 7.00% |
| 46 | Bar Harbor Bank & TrustBar Harbor, ME | D | 7.13% | 479 | 20.3% | 7.13% |
| 47 | Merrimack ValleyLawrence, MA | C | 7.25% | 187 | 9.1% | 7.25% |
| 48 | Bellwether Community Credit UnionManchester, NH | B | 7.25% | 488 | 16.4% | 7.25% |
| 49 | Meredith Village Savings BankMeredith, NH | C | 7.25% | 900 | 13.3% | 7.25% |
| 50 | St. Mary's Bank Credit UnionManchester, NH | B | 7.25% | 1,514 | 21.2% | 7.25% |
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.
