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Every mortgage lender has to report its loans to the government under the Home Mortgage Disclosure Act (HMDA). That lets you see, for real past loans, how many home loans each big lender made, how often it turned applicants down, and what rates and closing costs its borrowers actually got. It's history, not a quote: always get Loan Estimates from 2–3 lenders.
| Lender | Home-purchase loans made (2025) | Denial rate | Median rate | Median rate spread | Median total loan costs |
|---|---|---|---|---|---|
| United Wholesale Mortgage | 237,650 $93.6B | 9.7% | 6.625% | 0.214 | $7,222 |
| Rocket Mortgage | 136,453 $50.7B | 14.1% | 6.625% | 0.225 | $6,013 |
| CrossCountry Mortgage | 94,293 $38.2B | 2.9% | 6.875% | 0.385 | $6,892 |
| Guild Mortgage | 70,983 $22.2B | 3.9% | 6.625% | 0.259 | $6,186 |
| Fairway Independent Mortgage | 64,285 $20.9B | 4.7% | 6.75% | 0.33 | $5,872 |
| Chase (JPMorgan Chase Bank) | 56,751 $37.2B | 11.5% | 6.375% | -0.047 | $4,769 |
| Movement Mortgage | 46,900 $15.8B | 4.1% | 6.625% | 0.25 | $5,970 |
| loanDepot | 40,418 $14.6B | 13.8% | 6.5% | 0.063 | $6,426 |
| PennyMac | 36,527 $17.7B | 13.8% | 6.625% | 0.226 | $7,331 |
| Navy Federal Credit Union | 30,361 $11.3B | 13.1% | 6.625% | -0.028 | $4,148 |
| Bank of America | 26,781 $18.1B | 24.0% | 6.0% | -0.268 | $5,167 |
| Newrez | 26,464 $10.7B | 10.6% | 6.875% | 0.369 | $6,550 |
| Wells Fargo | 25,910 $21.6B | 16.1% | 6.125% | -0.135 | $6,180 |
| PNC Bank | 11,176 $7.2B | 17.7% | 6.375% | 0.037 | $4,784 |
| Freedom Mortgage | 10,871 $4.4B | 14.7% | 6.75% | 0.245 | $7,844 |
| USAA Bank | 9,750 $3.5B | 35.1% | 6.625% | 0.146 | $5,006 |
| Better Mortgage | 6,060 $2.6B | 25.6% | 6.625% | 0.15 | $5,905 |
Denial rate = denied applications ÷ (originated + denied) for home-purchase loans; it reflects who applied to that lender, not your odds. Rate spread = the loan's APR minus the average prime offer rate for a comparable loan when it was locked (lower is cheaper vs the market; negative means below the benchmark). Medians are for conventional first-lien home-purchase loans the lender made. HMDA is past data, not a quote. Source: CFPB/FFIEC HMDA 2025 data via the HMDA Data Browser (pulled 2026-10-12).
Not covered yet: Veterans United (not found in the HMDA filer list under that name), published origination fees from lender sites.
In 2025 HMDA data for home-purchase loans, among the lenders we track: CrossCountry Mortgage 2.9%, Guild Mortgage 3.9%, Movement Mortgage 4.1%. Denial rates reflect each lender's applicants, not your chances.
The difference between a loan's APR and the average prime offer rate for a comparable loan on the lock date. It's reported in HMDA data.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.