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 | FairmontFairmont, WV | C | 5.38% | 370 | 28.1% | 5.38% |
| 2 | Dhi Mortgage CompanyArlington, TX | B | 5.88% | 181 | 2.2% | 5.88% |
| 3 | First Federal Savings and Loan Association of GreeneWaynesburg, PA | B | 6.00% | 210 | 3.8% | 6.00% |
| 4 | Bayer Heritage Credit UnionNew Martinsville, WV | B | 6.00% | 311 | 15.1% | 6.00% |
| 5 | WesBanco BankWheeling, | B | 6.01% | 1,475 | 16.7% | 6.01% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 6.12% | 762 | 16.5% | 6.12% |
| 7 | First Heritage MortgageFairfax, VA | A | 6.20% | 297 | 1.7% | 6.20% |
| 8 | NVR Mortgage FinanceReston, VA | B | 6.25% | 182 | 14.3% | 6.25% |
| 9 | Freedom MortgageBoca Raton, FL | B | 6.25% | 707 | 10.6% | 6.25% |
| 10 | United Shore Financial ServicesPlymouth, MI | B | 6.25% | 949 | 13.1% | 6.25% |
| 11 | Mortgage Research CenterColumbia, MO | C | 6.25% | 1,592 | 17.4% | 6.25% |
| 12 | City National Bank of West VirginiaCharleston, WV | C | 6.29% | 2,870 | 25.0% | 6.29% |
| 13 | The Ohio Valley BankGallipolis, OH | A | 6.38% | 114 | 2.6% | 6.38% |
| 14 | Union Home MortgageStrongsville, OH | B | 6.38% | 158 | 7.0% | 6.38% |
| 15 | Atlantic Coast MortgageFairfax, VA | A | 6.38% | 315 | 3.8% | 6.38% |
| 16 | Hancock County Savings Bank, FSBChester, WV | C | 6.38% | 341 | 11.7% | 6.38% |
| 17 | Clear Mountain BankBruceton Mills, WV | B | 6.38% | 464 | 5.8% | 6.38% |
| 18 | Primelending, a PlainscapitalDallas, TX | A | 6.38% | 530 | 9.8% | 6.38% |
| 19 | NewrezWilmington, DE | D | 6.38% | 538 | 18.8% | 6.38% |
| 20 | Intercoastal MortgageReston, VA | A | 6.46% | 255 | 4.7% | 6.46% |
| 21 | Community Trust BankPikeville, KY | B | 6.50% | 165 | 15.2% | 6.50% |
| 22 | Equity Prime MortgageAtlanta, GA | D | 6.50% | 173 | 5.2% | 6.50% |
| 23 | Integrity Home MortgageWinchester, VA | B | 6.50% | 614 | 4.4% | 6.50% |
| 24 | Crosscountry MortgageCleveland, OH | B | 6.58% | 1,140 | 4.0% | 6.58% |
| 25 | Loandepot.ComIrvine, CA | D | 6.58% | 1,624 | 18.7% | 6.58% |
| 26 | American Pacific MortgageRoseville, CA | C | 6.63% | 161 | 5.6% | 6.63% |
| 27 | Rmc Home MortgageWexford, PA | B | 6.63% | 184 | 4.9% | 6.63% |
| 28 | Atlantic Union BankGlen Allen, VA | C | 6.63% | 185 | 3.2% | 6.63% |
| 29 | Victorian FinancePittsburgh, PA | C | 6.63% | 209 | 1.4% | 6.63% |
| 30 | U.S. BankCincinnati, OH | D | 6.63% | 344 | 31.1% | 6.63% |
| 31 | Gateway First BankJenks, OK | B | 6.63% | 460 | 3.7% | 6.63% |
| 32 | Lennar MortgageMiami, FL | A | 6.63% | 501 | 7.8% | 6.63% |
| 33 | Movement MortgageLancaster, SC | A | 6.63% | 1,167 | 5.4% | 6.63% |
| 34 | Truist BankCharlotte, NC | C | 6.63% | 1,776 | 31.1% | 6.63% |
| 35 | Guaranteed RateChicago, IL | B | 6.69% | 492 | 5.9% | 6.69% |
| 36 | Stockton MortgageFrankfort, KY | D | 6.75% | 321 | 8.7% | 6.75% |
| 37 | Alcova MortgageRoanoke, VA | A | 6.75% | 335 | 2.4% | 6.75% |
| 38 | JPMorgan Chase BankColumbus, OH | B | 6.75% | 502 | 13.8% | 6.75% |
| 39 | Success Mortgage PartnersPlymouth, MI | B | 6.88% | 241 | 0.4% | 6.88% |
| 40 | PNC BankWilmington, DE | D | 6.88% | 398 | 21.6% | 6.88% |
| 41 | Rocket MortgagePlymouth, MI | C | 6.88% | 3,615 | 23.0% | 6.88% |
| 42 | United BankVienna, VA | C | 6.90% | 540 | 22.8% | 6.90% |
| 43 | Broker SolutionsTustin, CA | D | 6.99% | 953 | 10.0% | 6.99% |
| 44 | Nationstar MortgageCoppell, TX | C | 7.00% | 330 | 13.9% | 7.00% |
| 45 | Navy Federal Credit UnionVienna, VA | D | 7.00% | 1,048 | 19.2% | 7.00% |
| 46 | The Huntington National BankColumbus, OH | D | 7.00% | 2,194 | 28.1% | 7.00% |
| 47 | Peoples BankMarietta, OH | C | 7.24% | 707 | 22.4% | 7.24% |
| 48 | First Community BankBluefield, VA | F | 7.25% | 482 | 25.7% | 7.25% |
| 49 | Burke & Herbert Bank & TrustAlexandria, VA | C | 7.50% | 278 | 11.2% | 7.50% |
| 50 | Fifth Third BankCincinnati, OH | D | 7.88% | 340 | 31.2% | 7.88% |
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.
