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 | Velocio MortgageSan Antonio, TX | A | 4.99% | 721 | 3.2% | 4.99% |
| 2 | Jet HomeloansJacksonville, FL | A | 4.99% | 1,002 | 1.0% | 4.99% |
| 3 | Dhi Mortgage CompanyArlington, TX | B | 5.13% | 7,548 | 13.8% | 5.13% |
| 4 | Schumacher MortgageCanton, OH | A | 5.38% | 138 | 3.6% | 5.38% |
| 5 | Lennar MortgageMiami, FL | A | 5.38% | 3,467 | 8.7% | 5.38% |
| 6 | Fbc MortgageOrlando, FL | B | 5.49% | 408 | 3.4% | 5.49% |
| 7 | Champion Credit UnionCanton, NC | B | 5.50% | 162 | 1.9% | 5.50% |
| 8 | Mattamy Home FundingDover, DE | A | 5.50% | 658 | 6.8% | 5.50% |
| 9 | Charles Schwab BankWestlake, TX | A | 5.63% | 183 | 4.4% | 5.63% |
| 10 | Clearpath LendingIrvine, CA | B | 5.63% | 211 | 9.0% | 5.63% |
| 11 | Taylor Morrison Home FundingMaitland, FL | A | 5.75% | 778 | 5.0% | 5.75% |
| 12 | Pulte MortgageWilmington, DE | A | 5.75% | 1,981 | 7.6% | 5.75% |
| 13 | Village Capital & InvestmentHenderson, NV | C | 5.75% | 2,083 | 20.7% | 5.75% |
| 14 | Allegacy Federal Credit UnionWinston-Salem, NC | B | 5.75% | 2,480 | 14.0% | 5.75% |
| 15 | UBS Bank USASalt Lake City, UT | A | 5.88% | 131 | 3.1% | 5.88% |
| 16 | 1st Signature LendingIndianapolis, IN | C | 5.88% | 308 | 3.3% | 5.88% |
| 17 | Credit Union Mortgage AssociationWilmington, DE | B | 5.88% | 435 | 10.6% | 5.88% |
| 18 | Kbhs Home LoansIrving, TX | B | 5.88% | 748 | 6.6% | 5.88% |
| 19 | M/i FinancialColumbus, OH | A | 5.88% | 814 | 0.4% | 5.88% |
| 20 | Morgan Stanley Private BankNew York, NY | A | 5.95% | 379 | 3.4% | 5.95% |
| 21 | Sun West Mortgage CompanyCerritos, CA | B | 5.98% | 503 | 13.3% | 5.98% |
| 22 | LoanUnited.comDuluth, GA | C | 5.99% | 476 | 6.7% | 5.99% |
| 23 | Bank OZKLittle Rock, AR | C | 5.99% | 508 | 30.3% | 5.99% |
| 24 | Planet Home LendingMeriden, CT | B | 5.99% | 551 | 17.8% | 5.99% |
| 25 | American FinancingAurora, CO | D | 6.00% | 774 | 44.4% | 6.00% |
| 26 | Vision Lending ServicesRaleigh, NC | A | 6.00% | 145 | 1.4% | 6.00% |
| 27 | Manufacturers and Traders TrustBuffalo, NY | C | 6.00% | 177 | 17.5% | 6.00% |
| 28 | Pennymac Loan ServicesWestlake Village, CA | C | 6.00% | 7,253 | 9.5% | 6.00% |
| 29 | Inspire Home LoansNewport Beach, CA | B | 6.06% | 591 | 8.5% | 6.06% |
| 30 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 6.12% | 676 | 5.8% | 6.12% |
| 31 | Stifel Bank and TrustSaint Louis, MO | A | 6.13% | 146 | 4.1% | 6.13% |
| 32 | Longbridge FinancialMahwah, NJ | F | 6.13% | 236 | 11.0% | 6.13% |
| 33 | CitibankSioux Falls, SD | B | 6.13% | 328 | 15.9% | 6.13% |
| 34 | Finance of America ReverseTulsa, OK | C | 6.13% | 364 | 9.1% | 6.13% |
| 35 | NBKC BankKansas, MO | B | 6.13% | 578 | 10.2% | 6.13% |
| 36 | Unnamed lender 254900M2C4Q6DATP2889 | F | 6.13% | 1,014 | 18.4% | 6.13% |
| 37 | Regions BankBirmingham, AL | C | 6.13% | 1,080 | 28.1% | 6.13% |
| 38 | NVR Mortgage FinanceReston, VA | B | 6.13% | 2,595 | 17.2% | 6.13% |
| 39 | Loandepot.ComIrvine, CA | D | 6.13% | 6,867 | 23.2% | 6.13% |
| 40 | Freedom MortgageBoca Raton, FL | B | 6.13% | 9,632 | 7.1% | 6.13% |
| 41 | United Shore Financial ServicesPlymouth, MI | B | 6.13% | 18,884 | 11.4% | 6.13% |
| 42 | Bank of AmericaCharlotte, NC | F | 6.24% | 10,276 | 28.2% | 6.24% |
| 43 | Keystone FundingDover, DE | A | 6.25% | 209 | 2.4% | 6.25% |
| 44 | Lakeview Community CapitalTucson, AZ | A | 6.25% | 217 | 0.5% | 6.25% |
| 45 | First Federal BankLake City, FL | B | 6.25% | 425 | 8.7% | 6.25% |
| 46 | PHH MortgageMount Laurel, NJ | C | 6.25% | 648 | 8.6% | 6.25% |
| 47 | Founders Federal Credit UnionLancaster, SC | D | 6.25% | 803 | 25.9% | 6.25% |
| 48 | Cornerstone Capital BankHouston, TX | A | 6.25% | 1,081 | 1.5% | 6.25% |
| 49 | Lakeview Loan ServicingCoral Gables, FL | C | 6.25% | 2,283 | 49.2% | 6.25% |
| 50 | Wells Fargo BankCharlotte, NC | B | 6.25% | 3,984 | 13.7% | 6.25% |
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.
