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Freddie Mac weekly average: 30-yr fixed 6.71%, 15-yr fixed 6.04%. Not a quote, no APR published. See /rates.

Lender lookup

What the public record says about a lender

Every mortgage in America is reported under HMDA. Every complaint to the CFPB is public. Here they are side by side.

Public data, 2025

Loans are first-lien conventional purchase loans that closed in 2025 in California, Texas and Florida, at least 500 across the three states. Complaints are mortgage complaints filed with the CFPB in California, Texas and Florida in 2025, the same states and year as the loans, so the two numbers can be compared. Numbers are not adjusted for the size of the lender or who it serves.

Sources: Home Mortgage Disclosure Act loan-level data, Consumer Financial Protection Bureau and Consumer Complaint Database, Consumer Financial Protection Bureau.

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Sorted by loans, most first. Click a column heading to sort by it.

All lenders, sorted by loans

Median interest rate reported to HMDA, 2025, first-lien conventional purchase loans. HMDA does not report APR.

LenderLoans in 2025Median rateMedian total loan costsDenial rateComplaints in CA/TX/FL in 2025 per 1,000 loansOf which applying and closing
UNITED SHORE FINANCIAL SERVICES, LLC57,1106.625%$8,40410.48%2.870.63
Rocket Mortgage, LLC28,8626.625%$7,09714.62%6.622.18
JPMorgan Chase Bank, National Association16,6766.375%$5,71510.85%9.893.12
LENNAR MORTGAGE, LLC14,7414.990%$5,13914.78%1.761.56
CROSSCOUNTRY MORTGAGE, INC.14,6526.875%$8,6912.49%4.911.50
21st Mortgage Corporation9,9439.870%$7,09470.65%4.630.50
Wells Fargo Bank, National Association9,0735.875%$7,55214.83%44.428.27
PENNYMAC LOAN SERVICES, LLC8,6826.624%$8,65114.18%24.072.30
CMG MORTGAGE, INC.8,5476.625%$8,0913.82%7.490.94
THE LOAN STORE, INC.8,2216.625%$7,5855.75%Not matchednone
Bank of America, National Association8,0885.875%$6,12220.46%22.757.91
DHI MORTGAGE COMPANY, LTD.7,6735.375%$3,83213.52%1.691.30
U.S. Bank National Association7,6326.250%$7,14710.88%16.513.93
Fairway Independent Mortgage Corporation6,5266.750%$7,6834.04%0.770.46
Loandepot.Com, LLC6,3956.250%$6,9938.45%Not matchednone
Kiavi Funding, Inc.5,83110.150%Not reported8.12%1.030.69
GUARANTEED RATE, INC.5,6976.625%$7,4484.81%3.161.76
GUILD MORTGAGE COMPANY5,5456.625%$7,9053.36%3.250.90
PULTE MORTGAGE LLC5,1805.750%$1,49916.01%1.351.16
KIND LENDING, LLC4,9416.750%$9,21224.54%Not matchednone
Broker Solutions, Inc.4,8786.875%$8,0754.09%7.382.87
A&D Mortgage LLC4,7856.875%$11,32710.65%1.040.00
TRIAD FINANCIAL SERVICES, INC.4,7208.800%$4,62445.94%0.850.00
Paramount Residential Mortgage Group, Inc.4,3146.625%$8,3885.33%0.930.23
PRIMELENDING, A PLAINSCAPITAL COMPANY4,2786.490%$7,9464.14%Not matchednone
NEWREZ LLC4,1806.875%$7,91911.59%283.0118.66
OCMBC, INC.4,1146.999%$14,1329.64%0.490.00
AMWEST FUNDING CORP.3,6336.875%Not reported5.50%5.231.38
Navy Federal Credit Union3,5816.625%$4,89716.21%17.878.66
MOVEMENT MORTGAGE, LLC3,5276.750%$7,5213.50%3.971.42
Taylor Morrison Home Funding, Inc.3,4375.750%$4,77514.99%0.870.58
AMERICAN PACIFIC MORTGAGE CORPORATION3,2466.750%$8,1077.79%0.000.00
Citibank, National Association3,1635.875%$7,9498.01%3.161.58
ZILLOW HOME LOANS, LLC3,1396.500%$6,1286.94%Not matchednone
EVERETT FINANCIAL, INC.2,9856.875%$8,7116.41%Not matchednone
Commerce Home Mortgage, Inc.2,9007.250%$14,4158.75%1.030.34
UNION HOME MORTGAGE CORP.2,7076.500%$7,7546.62%1.481.11
Cadence Bank2,7066.375%$7,9687.92%2.960.37
PROVIDENT FUNDING ASSOCIATES, L.P.2,6516.375%$6,0309.24%Not matchednone
CHAMPIONS FUNDING, LLC2,5617.625%$16,01820.99%1.170.00
GUARANTEED RATE AFFINITY, LLC2,5576.600%$6,6574.45%Not matchednone
VANDERBILT MORTGAGE AND FINANCE, INC.2,52710.250%$6,55774.62%6.331.19
KBHS HOME LOANS, LLC2,4146.375%$7,0409.09%Not matchednone
ARK-LA-TEX FINANCIAL SERVICES, LLC.2,3116.625%$5,0103.39%0.870.43
Morgan Stanley Private Bank, National Association2,2175.850%$6,2073.42%Not matchednone
Truist Bank2,0246.350%$7,08314.56%Not matchednone
East West Bank1,9586.500%$5,7687.82%3.581.02
First Financial Bank1,9486.850%$4,6656.40%Not matchednone
Citadel Servicing Corporation1,9387.375%$14,3062.45%Not matchednone
PNC Bank, National Association1,8836.375%$5,82718.23%61.6010.62
NEW WAVE LENDING GROUP INC1,8787.000%$10,3580.31%Not matchednone
Citizens First Bank1,8616.825%$4,0221.22%Not matchednone
Regions Bank1,8036.375%$7,67515.99%Not matchednone
ANGEL OAK MORTGAGE SOLUTIONS LLC1,7717.249%$14,47613.78%0.560.56
LOWER, LLC1,7556.625%$7,5465.83%Not matchednone
Suncoast Credit Union1,7425.375%$4,0709.15%6.311.15
SouthState Bank, National Association1,7376.750%$6,16916.33%5.181.73
SCHOOLSFIRST1,7366.125%$4,9382.07%4.030.58
NFM, INC.1,7136.625%$7,7582.49%1.171.17
Sierra Pacific Mortgage Company, Inc.1,7046.625%$9,4256.50%0.000.00
Hometown Equity Mortgage, LLC1,6857.375%$16,15841.66%Not matchednone
THE MORTGAGE FIRM, INC.1,6786.875%$6,2432.63%1.190.60
NexBank1,6496.500%$9,6669.45%Not matchednone
City National Bank1,6126.123%$7,34913.60%1.860.62
JET HOMELOANS, LP1,6125.990%$6,8703.77%Not matchednone
Charles Schwab Bank, SSB1,5645.425%$6,9034.90%Not matchednone
HIGHLANDS RESIDENTIAL MORTGAGE, LTD.1,5416.750%$8,2101.33%0.000.00
JMAC LENDING, INC.1,5256.625%$9,6113.85%Not matchednone
FBC MORTGAGE, LLC1,5196.490%$7,1725.15%Not matchednone
NEXERA HOLDING LLC1,5047.250%$15,13010.32%1.331.33
BETTER MORTGAGE CORPORATION1,4976.500%$7,15222.11%5.344.68
First United Bank and Trust Company1,4896.750%$7,1793.78%4.700.67
NMSI, INC.1,4816.750%$9,0370.00%Not matchednone
AMERICAN FINANCIAL NETWORK, INC.1,4786.875%$9,12911.50%8.126.09
HOMEXPRESS MORTGAGE CORP.1,4377.375%$15,73737.29%0.700.00
DEEPHAVEN MORTGAGE LLC1,4297.250%$13,29627.84%Not matchednone
Prosperity Bank1,4266.933%$4,38421.38%Not matchednone
PLAZA HOME MORTGAGE, INC.1,4226.625%$7,73728.23%3.521.41
RESICENTRAL, LLC1,4186.490%$7,8525.14%Not matchednone
M/I FINANCIAL, LLC1,4125.875%$11,6102.14%Not matchednone
GOLDEN EMPIRE MORTGAGE, INC.1,3586.625%$9,5407.78%Not matchednone
BMO Bank National Association1,3576.125%$8,06421.17%17.694.42
TOLL BROTHERS MORTGAGE COMPANY1,3506.490%$8,30112.34%Not matchednone
Cornerstone First Mortgage, Inc1,3066.875%$9,1754.17%3.062.30
SFMC, LP1,2976.490%$9,2533.87%Not matchednone
Plains Commerce Bank1,2946.625%$9,29810.80%Not matchednone
HSBC BANK USA, NATIONAL ASSOCIATION1,2245.885%$6,3503.98%Not matchednone
First Horizon Bank1,2186.500%$7,4649.06%1.640.00
Ameris Bank1,2166.625%$6,3335.34%Not matchednone
CORNERSTONE CAPITAL BANK, SSB1,2136.625%$9,6461.78%Not matchednone
CLEAREDGE LENDING LLC1,2087.125%$17,90719.29%Not matchednone
CAKE MORTGAGE CORP.1,2077.490%$18,8554.56%Not matchednone
OriginPoint, LLC1,1976.750%$8,0043.68%Not matchednone
General Mortgage Capital Corporation1,1946.500%$7,1030.99%0.000.00
Flagstar Bank, N.A.1,1666.625%$7,05433.05%Not matchednone
CLM MORTGAGE, INC.1,1465.750%$6,6140.46%Not matchednone
Prosperity Home Mortgage, LLC1,0716.750%$6,9545.33%Not matchednone
AMERIHOME MORTGAGE COMPANY, LLC1,0576.625%$6,8289.31%39.744.73
CONVENTUS LLC1,0579.490%Not reported0.28%Not matchednone
ALAMEDA MORTGAGE CORPORATION1,0526.750%$8,5182.14%1.901.90
NATIONSTAR MORTGAGE LLC1,0416.750%$5,9845.23%702.2153.79
Tomo Mortgage, LLC1,0296.250%$4,88812.89%Not matchednone
LOANPEOPLE, LLC1,0146.625%$7,4002.03%Not matchednone
THE GOLDEN 11,0136.125%$5,52212.36%3.952.96
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP1,0066.625%$8,2378.33%14.916.96
RANDOLPH-BROOKS FEDERAL CREDIT UNION1,0016.500%$5,1309.98%2.001.00
SPACE COAST CREDIT UNION9915.750%$013.33%Not matchednone
FlexPoint, Inc.9897.000%$13,1203.92%0.000.00
SWBC MORTGAGE CORPORATION9796.625%$5,1512.75%Not matchednone
NETWORK FUNDING, L.P.9716.625%$6,6005.87%1.031.03
AMERICAN PORTFOLIO MORTGAGE CORPORATION9696.875%$7,5399.01%Not matchednone
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.9525.750%$5,97315.98%Not matchednone
Synergy One Lending, Inc.9486.750%$7,6385.91%1.051.05
RF RENOVO MANAGEMENT COMPANY, LLC9349.750%Not reported0.32%Not matchednone
T2 FINANCIAL LLC9316.875%$6,5775.85%1.071.07
MIDFLORIDA9066.375%$5,67732.65%Not matchednone
MATTAMY HOME FUNDING, LLC9045.750%$4,22711.37%Not matchednone
LENDSURE MORTGAGE CORP.9037.500%Not reported2.86%Not matchednone
Logan Finance Corporation8977.124%$17,7739.41%1.110.00
Centennial Bank8807.125%$6,73319.82%Not matchednone
MERCHANTS MORTGAGE & TRUST CORPORATION, LLC8609.750%Not reported3.15%Not matchednone
CREDIT HUMAN FEDERAL CREDIT UNION8428.400%$5,11268.46%Not matchednone
REDWOOD8376.250%$8,4454.84%Not matchednone
GARDNER FINANCIAL SERVICES, LTD.8246.625%$8,4031.40%Not matchednone
VELOCIO MORTGAGE L.L.C.8114.990%$6,9024.36%Not matchednone
Citizens Bank, National Association8006.200%$9,75114.78%Not matchednone
Fifth Third Bank, National Association7936.470%$6,28320.22%Not matchednone
AMERICAN FINANCIAL RESOURCES, INC.7916.625%$6,9434.80%0.000.00
INSPIRE HOME LOANS INC.7885.875%$4,98310.63%Not matchednone
FRANKLIN LOAN CORPORATION7806.875%$7,5201.12%Not matchednone
AAA CAPITAL INVESTMENT, INC.7606.750%$9,7411.52%0.000.00
FIRST COLONY MORTGAGE CORPORATION7606.625%$8,0347.66%0.000.00
PRIORITY HOME MORTGAGE, L.P.7565.990%$2,1830.13%0.000.00
NQM FUNDING, LLC7527.249%$11,79917.32%1.330.00
Gateway First Bank7486.625%$6,9202.46%16.042.67
Frost Bank7405.750%$4,89320.52%Not matchednone
UNIVERSITY Federal Credit Union7366.500%$6,5862.90%Not matchednone
First-Citizens Bank & Trust Company7356.125%$7,63316.74%Not matchednone
LAKE MICHIGAN CREDIT UNION7346.365%$6,7274.50%2.721.36
USAA Federal Savings Bank7176.625%$5,96646.30%Not matchednone
SUMMIT FUNDING, INC.7176.875%$9,8828.43%0.000.00
HOMEAMERICAN MORTGAGE CORPORATION7114.999%$1,1307.41%Not matchednone
SOUTHWEST STAGE FUNDING, LLC7078.400%$4,79419.81%7.071.41
Zions Bancorporation, N.A.7066.250%$7,51717.00%12.755.67
AMERITRUST MORTGAGE CORPORATION7026.999%$13,1024.74%1.421.42
Center Street Lending VIII SPE, LLC68710.375%Not reported4.71%Not matchednone
MUTUAL OF OMAHA MORTGAGE, INC.6836.490%$6,6986.49%10.254.39
TexasBank6707.500%$6,9401.83%Not matchednone
TEXAS DOW EMPLOYEES CREDIT UNION6666.875%$5,4925.53%Not matchednone
City Bank6666.750%$6,0025.10%Not matchednone
EMET LENDING GROUP, INC.6657.000%$12,5520.00%Not matchednone
RIGHT START MORTGAGE, INC.6596.750%$8,2459.44%1.521.52
UBS Bank USA6565.875%$8,1377.95%1.520.00
BAY EQUITY LLC6526.750%$6,1384.51%1.531.53
AML FUNDING LLC6506.625%$6,2425.35%1.541.54
Amarillo National Bank6486.625%$4,2451.74%Not matchednone
SOFI BANK, NATIONAL ASSOCIATION6406.500%$5,8499.03%Not matchednone
SUN WEST MORTGAGE COMPANY, INC.6366.500%$9,5205.58%23.589.43
BRADESCO BANK6276.625%$16,4538.84%Not matchednone
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION6216.750%$7,1145.53%0.000.00
STG MORTGAGE INC6176.625%$9,3688.19%Not matchednone
Texas Tech Federal Credit Union6166.500%$5,2580.32%Not matchednone
Waterstone Mortgage Corporation6066.625%$7,5202.56%4.950.00
MASON MCDUFFIE MORTGAGE CORPORATION6056.750%$7,6115.90%Not matchednone
ALLIANCE CREDIT UNION5996.375%$3,2380.00%Not matchednone
RESIDENTIAL WHOLESALE MORTGAGE, INC.5976.625%$6,7970.66%Not matchednone
TD Bank, National Association5976.375%$6,28523.54%Not matchednone
CRESTMARK MORTGAGE COMPANY, LTD.5956.125%$8,7530.50%Not matchednone
Loan Funder LLC59410.750%Not reported37.47%Not matchednone
City National Bank of Florida5916.250%$6,2859.73%Not matchednone
PARKSTONE MORTGAGE, LLC5896.125%$4,2840.51%0.000.00
212 LOANS, LLC.58411.990%Not reported0.00%Not matchednone
VYSTAR CREDIT UNION5845.875%$4,5836.92%42.811.71
ROYAL PACIFIC FUNDING CORP.5726.875%$15,3252.86%10.490.00
NBKC BANK5696.500%$5,08112.46%Not matchednone
ENVOY MORTGAGE, LTD5626.625%$6,9832.25%Not matchednone
PRIMARY RESIDENTIAL MORTGAGE, INC.5616.875%$8,2014.59%1.780.00
First Federal Bank5596.500%$5,56711.09%Not matchednone
HOMEBRIDGE FINANCIAL SERVICES, INC.5586.875%$9,66732.01%Not matchednone
ARC HOME LLC5577.125%$12,41916.29%Not matchednone
PLANET HOME LENDING, LLC5496.625%$7,01814.90%169.4023.68
MidFirst Bank5465.925%$5,8913.81%106.2310.99
GUIDANCE RESIDENTIAL, LLC5436.625%$6,4922.28%0.000.00
PILGRIM MORTGAGE LLC5396.625%$7,4800.92%Not matchednone
NVR Mortgage Finance, Inc.5386.125%$2,56718.36%Not matchednone
MORTGAGE FINANCIAL SERVICES, LLC5366.750%$7,0190.74%Not matchednone
V.I.P. MORTGAGE, INC.5336.624%$7,8892.91%0.000.00
AMERICAN HERITAGE LENDING, LLC5327.500%$14,78111.73%1.881.88
CHURCHILL MORTGAGE CORPORATION5306.750%$7,8021.81%Not matchednone
CHEVRON Federal Credit Union5295.875%$4,3533.10%Not matchednone
CANOPY MORTGAGE, LLC5166.625%$8,6332.58%Not matchednone
Click n' Close, Inc.5126.875%$15,7034.75%13.673.91
SECURITYNATIONAL MORTGAGE COMPANY5126.990%$9,57912.44%Not matchednone

"Not matched" means we could not find this lender's complaints in the CFPB database under a name we could confidently tie to its HMDA filing, not that it has zero complaints.