2,017 lenders
Mortgage lenders compared
Every lender with at least 100 owner-occupied home-purchase or refinance applications in 2025, measured on the same official HMDA data. Across all lenders, the median conventional 30-year fixed purchase rate was 6.625% and median conventional loan costs were $5,570.
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The 100 largest lenders
| # | Lender | Loans | States | Denial rate | 30-yr rate* | Spread* | Costs* |
|---|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage (UWM) | 361,155 | 51 | 8.9% | 6.624% | +0.20 | $7,230 |
| 2 | Rocket Mortgage, LLC | 285,311 | 51 | 13.2% | 6.625% | +0.18 | $5,960 |
| 3 | CrossCountry Mortgage, Inc. | 100,434 | 51 | 2.6% | 6.825% | +0.37 | $6,890 |
| 4 | Veterans United Home Loans | 78,558 | 51 | 8.9% | 6.625% | +0.24 | $3,170 |
| 5 | JPMorgan Chase Bank, N.A. | 71,612 | 51 | 10.9% | 6.490% | −0.05 | $4,700 |
| 6 | Pennymac Loan Services, LLC | 69,924 | 51 | 13.6% | 6.624% | +0.18 | $7,320 |
| 7 | Freedom Mortgage Corporation | 67,844 | 51 | 14.3% | 6.750% | +0.23 | $7,830 |
| 8 | Guild Mortgage Company | 66,160 | 50 | 3.1% | 6.625% | +0.24 | $6,160 |
| 9 | DHI Mortgage Company, Ltd. | 63,686 | 36 | 16.4% | 5.500% | −0.93 | $3,150 |
| 10 | Fairway Independent Mortgage Corporation | 59,815 | 51 | 4.0% | 6.750% | +0.32 | $5,860 |
| 11 | loanDepot.com, LLC | 58,356 | 51 | 13.8% | 6.500% | +0.05 | $6,430 |
| 12 | Rate | 55,549 | 51 | 4.5% | 6.625% | +0.20 | $6,220 |
| 13 | CMG Mortgage, Inc. | 53,239 | 51 | 3.2% | 6.625% | +0.17 | $6,620 |
| 14 | Lennar Mortgage, LLC | 48,763 | 29 | 16.8% | 4.990% | −0.96 | $4,950 |
| 15 | Newrez LLC | 46,569 | 51 | 9.8% | 6.750% | +0.29 | $6,460 |
| 16 | Movement Mortgage, LLC | 44,521 | 51 | 3.2% | 6.625% | +0.20 | $5,890 |
| 17 | New American Funding | 40,605 | 51 | 5.0% | 6.750% | +0.40 | $6,330 |
| 18 | U.S. Bank, N.A. | 36,571 | 51 | 9.1% | 6.500% | −0.03 | $5,190 |
| 19 | Navy Federal Credit Union | 34,596 | 51 | 10.4% | 6.625% | −0.06 | $3,950 |
| 20 | Wells Fargo Bank, N.A. | 34,212 | 51 | 14.9% | 6.375% | −0.17 | $6,150 |
| 21 | Union Home Mortgage Corp. | 31,103 | 50 | 4.9% | 6.750% | +0.34 | $6,020 |
| 22 | Bank of America, N.A. | 26,898 | 51 | 13.7% | 6.125% | −0.29 | $5,060 |
| 23 | Mr. Cooper | 25,674 | 51 | 8.4% | 6.625% | +0.18 | $5,320 |
| 24 | Kind Lending, LLC | 21,169 | 48 | 22.0% | 6.625% | +0.27 | $8,110 |
| 25 | American Pacific Mortgage Corporation | 20,671 | 50 | 6.9% | 6.750% | +0.39 | $6,990 |
| 26 | The Loan Store, Inc. | 20,405 | 48 | 5.4% | 6.625% | +0.21 | $6,860 |
| 27 | Primelending, a Plainscapital Company | 20,348 | 51 | 4.0% | 6.625% | +0.18 | $6,310 |
| 28 | Paramount Residential Mortgage Group, Inc. | 19,581 | 50 | 4.7% | 6.625% | +0.31 | $7,590 |
| 29 | Prosperity Home Mortgage, LLC | 18,560 | 47 | 4.1% | 6.750% | +0.22 | $5,720 |
| 30 | Pulte Mortgage LLC | 17,559 | 26 | 15.2% | 5.990% | −0.40 | $950 |
| 31 | The Huntington National Bank | 17,524 | 49 | 7.7% | 6.625% | +0.21 | $4,630 |
| 32 | NFM, Inc. | 16,382 | 46 | 2.1% | 6.750% | +0.33 | $7,000 |
| 33 | NVR Mortgage Finance, Inc. | 15,636 | 17 | 21.0% | 6.500% | −0.02 | $4,770 |
| 34 | Lower, LLC | 14,925 | 47 | 6.7% | 6.625% | +0.28 | $6,270 |
| 35 | Mutual of Omaha Mortgage, Inc. | 14,833 | 50 | 5.3% | 6.625% | +0.11 | $5,840 |
| 36 | Flat Branch Mortgage, Inc. | 14,009 | 33 | 1.1% | 6.625% | +0.25 | $3,520 |
| 37 | Truist Bank | 13,869 | 49 | 7.6% | 6.490% | −0.05 | $5,440 |
| 38 | Zillow Home Loans, LLC | 13,732 | 50 | 7.2% | 6.500% | +0.24 | $5,350 |
| 39 | Guaranteed Rate Affinity, LLC | 13,563 | 51 | 4.3% | 6.625% | +0.16 | $5,950 |
| 40 | Ark-La-Tex Financial Services, LLC. | 13,530 | 49 | 2.8% | 6.625% | +0.25 | $4,490 |
| 41 | Everett Financial, Inc. | 12,319 | 49 | 6.7% | 6.875% | +0.48 | $7,840 |
| 42 | Planet Home Lending, LLC | 11,770 | 51 | 14.7% | 6.625% | +0.20 | $6,020 |
| 43 | Provident Funding Associates, L.P. | 11,704 | 30 | 6.7% | 6.375% | −0.11 | $5,250 |
| 44 | Citibank, N.A. | 11,583 | 49 | 8.7% | 6.250% | −0.30 | $7,210 |
| 45 | State Employees' | 11,575 | 5 | 13.7% | 6.500% | −0.46 | $4,730 |
| 46 | PNC Bank, N.A. | 11,535 | 51 | 12.7% | 6.500% | +0.02 | $4,760 |
| 47 | Plaza Home Mortgage, Inc. | 11,337 | 51 | 26.0% | 6.625% | +0.22 | $6,520 |
| 48 | Lakeview Loan Servicing, LLC | 11,163 | 51 | 26.8% | 6.875% | +0.17 | $3,940 |
| 49 | Fifth Third Bank, N.A. | 11,161 | 48 | 9.5% | 6.625% | +0.08 | $4,380 |
| 50 | AmeriSave Mortgage Corporation | 10,985 | 50 | 66.9% | 6.625% | +0.27 | $7,130 |
| 51 | USAA Federal Savings Bank | 10,865 | 51 | 32.8% | 6.625% | +0.12 | $4,940 |
| 52 | American Neighborhood Mortgage Acceptance Company LLC | 10,757 | 48 | 3.3% | 6.750% | +0.39 | $6,730 |
| 53 | Plains Commerce Bank | 10,740 | 51 | 8.2% | 6.625% | +0.20 | $7,420 |
| 54 | Equity Prime Mortgage LLC | 10,683 | 51 | 15.7% | 6.875% | +0.61 | $9,180 |
| 55 | Atlantic Bay Mortgage Group, L.L.C. | 10,466 | 16 | 1.5% | 6.625% | +0.24 | $6,100 |
| 56 | Village Capital & Investment LLC | 10,182 | 50 | 65.7% | — | — | — |
| 57 | Ameris Bank | 10,158 | 42 | 4.7% | 6.500% | +0.11 | $6,380 |
| 58 | American Financial Network, Inc. | 10,123 | 51 | 11.8% | 6.750% | +0.42 | $7,220 |
| 59 | Regions Bank | 10,038 | 33 | 13.9% | 6.625% | +0.10 | $5,080 |
| 60 | Carrington Mortgage Services, LLC | 9,835 | 51 | 25.4% | 7.124% | +0.92 | $14,780 |
| 61 | Ocmbc, Inc. | 9,827 | 49 | 11.9% | 7.125% | +1.05 | $13,650 |
| 62 | Citizens Bank, N.A. | 9,546 | 49 | 11.2% | 6.500% | −0.09 | $7,520 |
| 63 | First Community Mortgage, Inc. | 9,279 | 47 | 5.6% | 6.625% | +0.26 | $5,580 |
| 64 | Ruoff Mortgage Company, Inc. | 8,963 | 24 | 3.4% | 6.750% | +0.35 | $3,250 |
| 65 | AmeriHome Mortgage Company, LLC | 8,807 | 50 | 8.4% | 6.625% | +0.12 | $5,570 |
| 66 | Manufacturers and Traders Trust Company | 8,652 | 51 | 7.9% | 6.375% | −0.06 | $5,400 |
| 67 | Cardinal Financial Company, Limited Partnership | 8,597 | 51 | 8.5% | 6.750% | +0.36 | $6,770 |
| 68 | New Day Financial, LLC | 8,305 | 44 | 5.6% | — | — | — |
| 69 | American Financial Resources, Inc. | 8,278 | 48 | 6.8% | 6.500% | +0.26 | $5,700 |
| 70 | Greenstate Credit Union | 8,261 | 40 | 2.0% | 6.250% | −0.13 | $2,050 |
| 71 | A&D Mortgage LLC | 8,252 | 49 | 8.6% | 6.625% | +0.32 | $9,560 |
| 72 | KBHS Home Loans, LLC | 8,240 | 10 | 9.3% | 6.250% | −0.09 | $6,600 |
| 73 | Bell Bank | 8,187 | 36 | 2.8% | 6.625% | +0.18 | $4,920 |
| 74 | Taylor Morrison Home Funding, Inc. | 8,033 | 12 | 15.6% | 5.750% | −0.80 | $4,670 |
| 75 | Lake Michigan Credit Union | 7,861 | 12 | 2.7% | 6.500% | −0.07 | $3,800 |
| 76 | T2 Financial LLC | 7,667 | 49 | 5.2% | 6.750% | +0.33 | $6,000 |
| 77 | Primary Residential Mortgage, Inc. | 7,535 | 50 | 5.1% | 6.625% | +0.32 | $6,790 |
| 78 | Sun West Mortgage Company, Inc. | 7,501 | 51 | 11.6% | 6.625% | +0.18 | $7,850 |
| 79 | Click n' Close, Inc. | 7,462 | 50 | 7.2% | 6.750% | +1.88 | $7,430 |
| 80 | Canopy Mortgage, LLC | 7,445 | 46 | 2.2% | 6.500% | +0.15 | $8,420 |
| 81 | Vanderbilt Mortgage and Finance, Inc. | 7,419 | 30 | 2.0% | 6.125% | −0.10 | $5,220 |
| 82 | Ixonia Bank | 7,233 | 49 | 4.0% | 6.875% | +0.48 | $5,820 |
| 83 | Flagstar Bank, N.A. | 7,171 | 51 | 32.4% | 6.674% | +0.23 | $4,860 |
| 84 | Cadence Bank | 7,163 | 21 | 8.8% | 6.375% | +0.13 | $5,820 |
| 85 | First Colony Mortgage Corporation | 7,091 | 48 | 3.8% | 6.500% | +0.09 | $7,160 |
| 86 | The Federal Savings Bank | 7,055 | 51 | 9.0% | 6.750% | +0.34 | $6,580 |
| 87 | DAS Acquisition Company, LLC | 6,949 | 46 | 2.1% | 6.750% | +0.42 | $4,770 |
| 88 | Better Mortgage Corporation | 6,834 | 51 | 26.0% | 6.625% | +0.13 | $5,910 |
| 89 | M/I Financial, LLC | 6,771 | 10 | 2.9% | 5.875% | −0.47 | $8,560 |
| 90 | Luminate Bank | 6,764 | 51 | 3.4% | 6.625% | +0.31 | $6,360 |
| 91 | Barrington Bank & Trust Company, N.A. | 6,728 | 51 | 7.7% | 6.750% | +0.26 | $5,820 |
| 92 | First Heritage Mortgage, LLC | 6,634 | 18 | 3.7% | 6.500% | +0.06 | $6,280 |
| 93 | Towne Mortgage Company | 6,598 | 46 | 3.8% | 6.625% | +0.32 | $6,080 |
| 94 | Morgan Stanley Private Bank, N.A. | 6,583 | 51 | 2.2% | 6.050% | −0.26 | $5,400 |
| 95 | First National Bank of Pennsylvania | 6,568 | 16 | 10.7% | 6.500% | +0.11 | $5,860 |
| 96 | Synergy One Lending, Inc. | 6,529 | 44 | 5.9% | 6.750% | +0.31 | $6,470 |
| 97 | Arvest Bank | 6,509 | 45 | 5.3% | 6.750% | +0.23 | $4,050 |
| 98 | NBKC Bank | 6,322 | 51 | 8.9% | 6.500% | −0.06 | $3,850 |
| 99 | Stockton Mortgage Corporation | 6,311 | 25 | 5.3% | 6.625% | +0.31 | $5,390 |
| 100 | Sierra Pacific Mortgage Company, Inc. | 6,183 | 46 | 7.5% | 6.625% | +0.19 | $7,580 |
Loans = owner-occupied single-family purchase, refinance and cash-out originations. *Conventional home-purchase medians (at least 20 loans). Rate spread = APR minus the average prime offer rate at lock, in percentage points. Statistical comparison only — not a ranking of service quality.