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 | Chartway Federal Credit UnionVirginia Beach, VA | B | 2.99% | 811 | 27.3% | 2.99% |
| 2 | Homeamerican MortgageDenver, CO | A | 4.63% | 399 | 7.3% | 4.63% |
| 3 | Inspire Home LoansNewport Beach, CA | B | 4.88% | 160 | 4.4% | 4.88% |
| 4 | Lennar MortgageMiami, FL | A | 4.99% | 709 | 9.0% | 4.99% |
| 5 | University First Federal Credit UnionWest Jordan, UT | B | 4.99% | 1,634 | 20.1% | 4.99% |
| 6 | CYPRUS Federal Credit UnionWest Jordan, UT | C | 4.99% | 1,799 | 26.5% | 4.99% |
| 7 | Village Capital & InvestmentHenderson, NV | C | 5.75% | 332 | 12.4% | 5.75% |
| 8 | Dhi Mortgage CompanyArlington, TX | B | 5.75% | 1,571 | 8.6% | 5.75% |
| 9 | Morgan Stanley Private BankNew York, NY | A | 5.84% | 177 | 5.1% | 5.84% |
| 10 | Nest Home LendingBoulder, CO | A | 5.88% | 240 | 0.4% | 5.88% |
| 11 | PHH MortgageMount Laurel, NJ | C | 5.99% | 342 | 9.9% | 5.99% |
| 12 | Bank of AmericaCharlotte, NC | F | 5.99% | 628 | 32.8% | 5.99% |
| 13 | Mortgage Research CenterColumbia, MO | C | 5.99% | 1,069 | 17.2% | 5.99% |
| 14 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 6.00% | 193 | 5.7% | 6.00% |
| 15 | Longbridge FinancialMahwah, NJ | F | 6.00% | 254 | 7.5% | 6.00% |
| 16 | Union Home MortgageStrongsville, OH | B | 6.13% | 174 | 2.3% | 6.13% |
| 17 | Planet Home LendingMeriden, CT | B | 6.13% | 219 | 6.9% | 6.13% |
| 18 | Mutual of Omaha MortgageSan Diego, CA | C | 6.13% | 313 | 12.5% | 6.13% |
| 19 | Clm MortgageHouston, TX | A | 6.13% | 346 | 0.9% | 6.13% |
| 20 | Wells Fargo BankCharlotte, NC | B | 6.13% | 429 | 19.1% | 6.13% |
| 21 | Granite Federal Credit UnionMillcreek, UT | D | 6.13% | 454 | 16.5% | 6.13% |
| 22 | My Move MortgageUtah, UT | A | 6.13% | 1,487 | 0.6% | 6.13% |
| 23 | Freedom MortgageBoca Raton, FL | B | 6.13% | 1,549 | 8.7% | 6.13% |
| 24 | Lakeview Loan ServicingCoral Gables, FL | C | 6.19% | 1,100 | 42.0% | 6.19% |
| 25 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 6.25% | 217 | 3.2% | 6.25% |
| 26 | Veritas FundingMidvale, UT | D | 6.25% | 376 | 1.6% | 6.25% |
| 27 | Provident Funding AssociatesSanta Rosa, CA | A | 6.25% | 968 | 6.6% | 6.25% |
| 28 | United Shore Financial ServicesPlymouth, MI | B | 6.25% | 11,325 | 8.5% | 6.25% |
| 29 | Finance of America ReverseTulsa, OK | C | 6.38% | 206 | 10.7% | 6.38% |
| 30 | ResicentralLarkspur, CA | B | 6.38% | 245 | 3.7% | 6.38% |
| 31 | Primelending, a PlainscapitalDallas, TX | A | 6.38% | 277 | 4.7% | 6.38% |
| 32 | American Financial NetworkBrea, CA | C | 6.38% | 277 | 6.5% | 6.38% |
| 33 | Northpointe BankGrand Rapids, MI | C | 6.38% | 305 | 4.9% | 6.38% |
| 34 | PNC BankWilmington, DE | D | 6.38% | 320 | 31.3% | 6.38% |
| 35 | Plaza Home MortgageSan Diego, CA | C | 6.38% | 337 | 28.2% | 6.38% |
| 36 | Carrington Mortgage ServicesOrange, CA | D | 6.38% | 412 | 46.6% | 6.38% |
| 37 | AMWEST FundingBrea, CA | C | 6.38% | 427 | 6.8% | 6.38% |
| 38 | Direct Rate Home LoansCottonwood Heights, UT | B | 6.38% | 524 | 5.9% | 6.38% |
| 39 | Paramount Residential Mortgage GroupCorona, CA | B | 6.38% | 625 | 3.7% | 6.38% |
| 40 | JPMorgan Chase BankColumbus, OH | B | 6.38% | 818 | 10.9% | 6.38% |
| 41 | Canopy MortgageLindon, UT | B | 6.38% | 842 | 3.3% | 6.38% |
| 42 | Bank of UtahOgden, UT | A | 6.38% | 884 | 1.5% | 6.38% |
| 43 | RanlifeSandy, UT | B | 6.38% | 1,050 | 1.2% | 6.38% |
| 44 | Pennymac Loan ServicesWestlake Village, CA | C | 6.38% | 2,132 | 12.7% | 6.38% |
| 45 | First Colony MortgageOrem, UT | A | 6.38% | 3,499 | 2.1% | 6.38% |
| 46 | Sun American MortgageMesa, AZ | B | 6.49% | 535 | 1.7% | 6.49% |
| 47 | The Loan StoreSan Francisco, CA | B | 6.49% | 2,524 | 5.4% | 6.49% |
| 48 | Zions BancorporationSalt Lake City, UT | B | 6.49% | 3,013 | 22.9% | 6.49% |
| 49 | Swbc MortgageSan Antonio, TX | A | 6.50% | 125 | 1.6% | 6.50% |
| 50 | Direct MortgageDraper, UT | C | 6.50% | 137 | 13.1% | 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.
