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 | Taylor Morrison Home FundingMaitland, FL | A | 4.99% | 160 | 8.1% | 4.99% |
| 2 | Consolidated Federal Credit UnionPortland, OR | B | 4.99% | 478 | 19.9% | 4.99% |
| 3 | Lennar MortgageMiami, FL | A | 4.99% | 892 | 5.7% | 4.99% |
| 4 | Clm MortgageHouston, TX | A | 5.49% | 355 | 1.7% | 5.49% |
| 5 | Oregonians Credit UnionMilwaukie, OR | A | 5.50% | 452 | 15.9% | 5.50% |
| 6 | Dhi Mortgage CompanyArlington, TX | B | 5.50% | 733 | 7.2% | 5.50% |
| 7 | First CommunityCoquille, OR | B | 5.50% | 1,844 | 19.0% | 5.50% |
| 8 | Village Capital & InvestmentHenderson, NV | C | 5.75% | 356 | 21.1% | 5.75% |
| 9 | Sun West Mortgage CompanyCerritos, CA | B | 5.88% | 205 | 15.6% | 5.88% |
| 10 | Morgan Stanley Private BankNew York, NY | A | 5.98% | 162 | 3.1% | 5.98% |
| 11 | PHH MortgageMount Laurel, NJ | C | 5.99% | 290 | 7.6% | 5.99% |
| 12 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 6.12% | 204 | 6.9% | 6.12% |
| 13 | NBKC BankKansas, MO | B | 6.13% | 171 | 8.2% | 6.13% |
| 14 | PNC BankWilmington, DE | D | 6.13% | 276 | 29.7% | 6.13% |
| 15 | Freedom MortgageBoca Raton, FL | B | 6.13% | 1,717 | 9.3% | 6.13% |
| 16 | Mortgage Research CenterColumbia, MO | C | 6.13% | 1,978 | 17.9% | 6.13% |
| 17 | Bank of AmericaCharlotte, NC | F | 6.24% | 2,389 | 26.6% | 6.24% |
| 18 | Prosperity Home MortgageFairfax, VA | A | 6.25% | 204 | 11.3% | 6.25% |
| 19 | Mutual of Omaha MortgageSan Diego, CA | C | 6.25% | 709 | 17.6% | 6.25% |
| 20 | Wells Fargo BankCharlotte, NC | B | 6.25% | 851 | 15.9% | 6.25% |
| 21 | United Shore Financial ServicesPlymouth, MI | B | 6.25% | 6,600 | 10.4% | 6.25% |
| 22 | AgWest Farm Credit, FLCASpokane, WA | D | 6.35% | 304 | 15.5% | 6.35% |
| 23 | Sammamish MortgageBellevue, WA | A | 6.38% | 147 | 1.4% | 6.38% |
| 24 | Longbridge FinancialMahwah, NJ | F | 6.38% | 190 | 15.3% | 6.38% |
| 25 | Finance of America ReverseTulsa, OK | C | 6.38% | 223 | 9.4% | 6.38% |
| 26 | Boeing Employees Credit UnionTukwila, WA | B | 6.38% | 229 | 19.7% | 6.38% |
| 27 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 6.38% | 245 | 3.7% | 6.38% |
| 28 | USAA Federal Savings BankPhoenix, AZ | C | 6.38% | 331 | 27.8% | 6.38% |
| 29 | Zillow Home LoansIrvine, CA | B | 6.38% | 336 | 3.0% | 6.38% |
| 30 | American FinancingAurora, CO | D | 6.38% | 505 | 40.6% | 6.38% |
| 31 | Provident Funding AssociatesSanta Rosa, CA | A | 6.38% | 735 | 3.3% | 6.38% |
| 32 | Paramount Residential Mortgage GroupCorona, CA | B | 6.38% | 833 | 1.3% | 6.38% |
| 33 | JPMorgan Chase BankColumbus, OH | B | 6.38% | 1,381 | 11.8% | 6.38% |
| 34 | Equity Prime MortgageAtlanta, GA | D | 6.44% | 238 | 9.7% | 6.44% |
| 35 | Willamette Valley BankSalem, OR | C | 6.45% | 218 | 9.2% | 6.45% |
| 36 | GoPrime MortgageApex, NC | B | 6.49% | 176 | 4.6% | 6.49% |
| 37 | Scenic Oaks FundingModesto, CA | A | 6.49% | 205 | 1.0% | 6.49% |
| 38 | A&D MortgageFort Lauderdale, FL | C | 6.49% | 286 | 6.3% | 6.49% |
| 39 | Primelending, a PlainscapitalDallas, TX | A | 6.49% | 294 | 5.1% | 6.49% |
| 40 | Summit MortgagePortland, OR | B | 6.49% | 354 | 2.0% | 6.49% |
| 41 | Sunflower BankDallas, TX | B | 6.49% | 462 | 4.1% | 6.49% |
| 42 | Nations Direct MortgageHenderson, NV | B | 6.49% | 1,728 | 1.2% | 6.49% |
| 43 | Lakeview Loan ServicingCoral Gables, FL | C | 6.50% | 854 | 47.9% | 6.50% |
| 44 | Envoy MortgageHouston, TX | D | 6.50% | 235 | 5.5% | 6.50% |
| 45 | Plains Commerce BankSioux Falls, SD | B | 6.50% | 282 | 2.1% | 6.50% |
| 46 | LpmcSalem, OR | B | 6.50% | 329 | 2.4% | 6.50% |
| 47 | Nations LendingIndependence, OH | B | 6.50% | 364 | 1.9% | 6.50% |
| 48 | Plaza Home MortgageSan Diego, CA | C | 6.50% | 382 | 20.9% | 6.50% |
| 49 | Alameda MortgageWalnut Creek, CA | B | 6.50% | 390 | 3.3% | 6.50% |
| 50 | Sierra Pacific Mortgage CompanyFolsom, CA | C | 6.50% | 593 | 3.4% | 6.50% |
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.
