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 | Lennar MortgageMiami, FL | A | 4.88% | 940 | 3.4% | 4.88% |
| 2 | Horizon Federally Insured State-Chartered Credit UnionSpokane Valley, WA | C | 4.99% | 481 | 30.8% | 4.99% |
| 3 | Homeamerican MortgageDenver, CO | A | 5.00% | 381 | 8.9% | 5.00% |
| 4 | Columbia Community Credit UnionVancouver, WA | B | 5.24% | 1,884 | 27.2% | 5.24% |
| 5 | Pulte MortgageWilmington, DE | A | 5.25% | 242 | 6.2% | 5.25% |
| 6 | City National BankLos Angeles, CA | B | 5.38% | 227 | 3.5% | 5.38% |
| 7 | Inspire Home LoansNewport Beach, CA | B | 5.38% | 312 | 3.9% | 5.38% |
| 8 | Clm MortgageHouston, TX | A | 5.49% | 253 | 0.4% | 5.49% |
| 9 | Charles Schwab BankWestlake, TX | A | 5.50% | 283 | 4.6% | 5.50% |
| 10 | Dhi Mortgage CompanyArlington, TX | B | 5.50% | 2,173 | 6.3% | 5.50% |
| 11 | CitibankSioux Falls, SD | B | 5.63% | 681 | 7.8% | 5.63% |
| 12 | Village Capital & InvestmentHenderson, NV | C | 5.75% | 618 | 19.1% | 5.75% |
| 13 | Wells Fargo BankCharlotte, NC | B | 5.75% | 2,614 | 9.5% | 5.75% |
| 14 | HSBC Bank USAMclean, VA | B | 5.84% | 488 | 2.5% | 5.84% |
| 15 | Morgan Stanley Private BankNew York, NY | A | 5.85% | 428 | 2.8% | 5.85% |
| 16 | UBS Bank USASalt Lake City, UT | A | 5.88% | 154 | 5.2% | 5.88% |
| 17 | Taylor Morrison Home FundingMaitland, FL | A | 5.88% | 154 | 3.3% | 5.88% |
| 18 | Sun West Mortgage CompanyCerritos, CA | B | 5.88% | 291 | 14.8% | 5.88% |
| 19 | Planet Home LendingMeriden, CT | B | 5.99% | 381 | 17.6% | 5.99% |
| 20 | PHH MortgageMount Laurel, NJ | C | 5.99% | 503 | 6.4% | 5.99% |
| 21 | Bank of AmericaCharlotte, NC | F | 5.99% | 6,986 | 27.0% | 5.99% |
| 22 | LoanUnited.comDuluth, GA | C | 6.00% | 275 | 7.3% | 6.00% |
| 23 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 6.00% | 572 | 4.7% | 6.00% |
| 24 | Kbhs Home LoansIrving, TX | B | 6.00% | 422 | 5.7% | 6.00% |
| 25 | Zions BancorporationSalt Lake City, UT | B | 6.00% | 244 | 7.8% | 6.00% |
| 26 | Freedom MortgageBoca Raton, FL | B | 6.00% | 3,654 | 7.2% | 6.00% |
| 27 | NBKC BankKansas, MO | B | 6.13% | 572 | 10.8% | 6.13% |
| 28 | USAA Federal Savings BankPhoenix, AZ | C | 6.13% | 638 | 24.8% | 6.13% |
| 29 | PNC BankWilmington, DE | D | 6.13% | 784 | 23.0% | 6.13% |
| 30 | Global Federal Credit UnionAnchorage, AK | C | 6.13% | 1,229 | 16.8% | 6.13% |
| 31 | Mortgage Research CenterColumbia, MO | C | 6.13% | 3,556 | 17.0% | 6.13% |
| 32 | JPMorgan Chase BankColumbus, OH | B | 6.13% | 4,293 | 8.5% | 6.13% |
| 33 | United Shore Financial ServicesPlymouth, MI | B | 6.13% | 13,770 | 10.0% | 6.13% |
| 34 | Boeing Employees Credit UnionTukwila, WA | B | 6.13% | 21,599 | 23.8% | 6.13% |
| 35 | Unnamed lender 254900YZ174H294JW398 | A | 6.25% | 215 | 1.4% | 6.25% |
| 36 | NexBankDallas, TX | B | 6.25% | 379 | 13.2% | 6.25% |
| 37 | General Mortgage CapitalBurlingame, CA | A | 6.25% | 458 | 1.1% | 6.25% |
| 38 | Zillow Home LoansIrvine, CA | B | 6.25% | 502 | 4.6% | 6.25% |
| 39 | The Federal Savings BankChicago, IL | C | 6.25% | 632 | 9.2% | 6.25% |
| 40 | Longbridge FinancialMahwah, NJ | F | 6.38% | 234 | 13.7% | 6.38% |
| 41 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 6.38% | 239 | 4.6% | 6.38% |
| 42 | Toll Brothers MortgageWilmington, DE | A | 6.38% | 245 | 6.5% | 6.38% |
| 43 | Northpointe BankGrand Rapids, MI | C | 6.38% | 254 | 7.1% | 6.38% |
| 44 | Plaza Home MortgageSan Diego, CA | C | 6.38% | 300 | 27.3% | 6.38% |
| 45 | Tomo MortgageNew York, NY | B | 6.38% | 317 | 7.9% | 6.38% |
| 46 | Mld MortgageFlorham Park, NJ | A | 6.38% | 397 | 0.8% | 6.38% |
| 47 | Union Home MortgageStrongsville, OH | B | 6.38% | 508 | 5.7% | 6.38% |
| 48 | Provident Funding AssociatesSanta Rosa, CA | A | 6.38% | 878 | 6.5% | 6.38% |
| 49 | Sammamish MortgageBellevue, WA | A | 6.38% | 1,268 | 2.1% | 6.38% |
| 50 | Mutual of Omaha MortgageSan Diego, CA | C | 6.38% | 1,290 | 16.8% | 6.38% |
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.
