Mortgage Lender Index

The widest gap between lenders’ rates in one county

In these counties the lender with the highest median rate in 2025 and the one with the lowest were furthest apart. Among lenders with ten or more loans in the county, and only counties with at least 5 such lenders. A gap is not a verdict — a lender that makes FHA loans to first-time buyers will show a higher median than one that refinances jumbo loans — but it is the size of the difference shopping around can make.

CountyStateGap, pointsLowest medianHighest medianLenders compared
Bexar CountyTexas13.990 0.000%13.990%236
San Mateo CountyCalifornia13.250 0.000%13.250%116
Winnebago CountyIllinois12.990 0.000%12.990%73
Johnson CountyIndiana12.930 0.000%12.930%81
Lake CountyIndiana12.240 0.000%12.240%138
Jefferson CountyKentucky12.000 0.000%12.000%142
Clark CountyIndiana12.000 0.000%12.000%71
Floyd CountyIndiana12.000 0.000%12.000%51
Clark CountyNevada11.990 0.000%11.990%255
Tarrant CountyTexas11.990 0.000%11.990%283
Canadian CountyOklahoma11.740 0.000%11.740%91
Will CountyIllinois11.625 0.000%11.625%155
DuPage CountyIllinois11.500 0.000%11.500%158
Kane CountyIllinois11.500 0.000%11.500%122
McHenry CountyIllinois11.500 0.000%11.500%100
Ocean CountyNew Jersey11.375 0.250%11.625%173
Dane CountyWisconsin11.313 0.000%11.313%81
Cook CountyIllinois11.250 0.000%11.250%300
Dallas CountyTexas11.250 0.000%11.250%276
Polk CountyFlorida11.125 0.000%11.125%192
Kaufman CountyTexas11.125 3.125%14.250%100
Johnston CountyNorth Carolina11.063 0.250%11.313%109
Fort Bend CountyTexas11.000 0.000%11.000%214
DeKalb CountyIllinois10.990 0.000%10.990%49
Bartholomew CountyIndiana10.880 0.000%10.880%26
Orange CountyCalifornia10.845 2.655%13.500%274
Pottawattamie CountyIowa10.810 1.000%11.810%45
Linn CountyIowa10.775 1.000%11.775%43
San Diego CountyCalifornia10.750 2.500%13.250%267
Lapeer CountyMichigan10.740 0.250%10.990%49
Lake CountyIllinois10.720 0.000%10.720%141
Nueces CountyTexas10.675 0.000%10.675%81
Hardin CountyKentucky10.625 0.000%10.625%45
Adams CountyColorado10.505 0.000%10.505%173
Kings CountyNew York10.500 0.250%10.750%114
Hudson CountyNew Jersey10.500 0.250%10.750%112
Baltimore cityMaryland10.490 0.250%10.740%137
Wyandotte CountyKansas10.450 0.000%10.450%63
Maricopa CountyArizona10.375 3.125%13.500%375
Monroe CountyIndiana10.350 0.000%10.350%40
Ellis CountyTexas10.260 3.990%14.250%108
Spotsylvania CountyVirginia10.255 0.250%10.505%78
San Francisco CountyCalifornia10.250 0.000%10.250%110
Frederick CountyMaryland10.250 0.250%10.500%121
Warren CountyVirginia10.225 0.250%10.475%29
Beaver CountyPennsylvania10.125 3.990%14.115%60
Allegheny CountyPennsylvania10.105 1.990%12.095%170
Philadelphia CountyPennsylvania10.010 1.990%12.000%197
Waukesha CountyWisconsin10.010 1.490%11.500%100
York CountyPennsylvania10.010 1.990%12.000%116
Delaware CountyPennsylvania10.010 1.990%12.000%149
Dauphin CountyPennsylvania10.010 1.990%12.000%86
Los Angeles CountyCalifornia10.000 2.990%12.990%361
Davidson CountyTennessee10.000 1.990%11.990%191
St. Clair CountyMichigan9.990 3.375%13.365%54
Bucks CountyPennsylvania9.948 1.990%11.938%148
Cumberland CountyPennsylvania9.895 1.990%11.885%78
Riverside CountyCalifornia9.875 3.625%13.500%295
Lehigh CountyPennsylvania9.825 1.990%11.815%106
Daviess CountyKentucky9.740 0.000%9.740%28
Douglas CountyGeorgia9.620 4.245%13.865%73
Culpeper CountyVirginia9.615 0.250%9.865%35
Adams CountyPennsylvania9.590 1.990%11.580%52
San Bernardino CountyCalifornia9.510 3.990%13.500%262
Macomb CountyMichigan9.510 1.990%11.500%153
Shelby CountyTennessee9.510 1.990%11.500%149
Middlesex CountyNew Jersey9.510 1.990%11.500%170
Chester CountyPennsylvania9.510 1.990%11.500%142
Washington CountyWisconsin9.500 1.490%10.990%60
Berks CountyPennsylvania9.385 1.990%11.375%116
Lebanon CountyPennsylvania9.360 1.990%11.350%45
St. Joseph CountyIndiana9.250 2.990%12.240%68
Monroe CountyPennsylvania9.250 1.990%11.240%84
Carroll CountyMaryland9.250 1.990%11.240%76
Hancock CountyIndiana9.250 4.990%14.240%58
Jennings CountyIndiana9.170 0.000%9.170%16
Logan CountyOklahoma9.160 0.000%9.160%46
Montgomery CountyPennsylvania9.135 1.990%11.125%179
Northampton CountyPennsylvania9.040 1.990%11.030%97
Wayne CountyMichigan9.025 1.990%11.015%185
Baltimore CountyMaryland9.000 3.240%12.240%182
Canyon CountyIdaho9.000 2.990%11.990%94
Sheboygan CountyWisconsin9.000 1.490%10.490%41
Kenosha CountyWisconsin8.995 3.495%12.490%58
Spencer CountyIndiana8.990 0.000%8.990%10
Rutherford CountyTennessee8.885 3.990%12.875%119
Williamson CountyTennessee8.885 1.990%10.875%128
Lancaster CountyPennsylvania8.760 1.990%10.750%100
Elkhart CountyIndiana8.760 2.990%11.750%56
San Joaquin CountyCalifornia8.755 4.990%13.745%158
Pierce CountyWashington8.750 3.250%12.000%178
Warren CountyKentucky8.750 0.000%8.750%42
Oldham CountyKentucky8.725 0.000%8.725%48
Jefferson CountyWest Virginia8.625 0.250%8.875%43
LaPorte CountyIndiana8.510 2.990%11.500%51
DeSoto CountyMississippi8.500 1.990%10.490%72
Schuylkill CountyPennsylvania8.500 1.990%10.490%47
Spencer CountyKentucky8.500 0.000%8.500%15
Morgan CountyAlabama8.490 4.875%13.365%58
Honolulu CountyHawaii8.470 2.750%11.220%90
Comal CountyTexas8.375 4.500%12.875%99
Tipton CountyTennessee8.375 1.990%10.365%33
Walworth CountyWisconsin8.365 5.375%13.740%52
Harrison CountyIndiana8.350 0.000%8.350%23
Harris CountyTexas8.300 3.690%11.990%363
Wagoner CountyOklahoma8.275 3.875%12.150%46
Spokane CountyWashington8.260 2.990%11.250%115
Washington CountyMaryland8.260 3.240%11.500%70
Hennepin CountyMinnesota8.250 3.250%11.500%167
Fayette CountyGeorgia8.250 4.990%13.240%60
Wood CountyOhio8.250 4.990%13.240%42
Warren CountyNew Jersey8.250 3.990%12.240%58
King CountyWashington8.188 3.813%12.000%233
Kenton CountyKentucky8.180 3.990%12.170%76
Suffolk cityVirginia8.175 3.690%11.865%61
McLean CountyIllinois8.155 4.375%12.530%42
Santa Clara CountyCalifornia8.135 4.990%13.125%185
Anne Arundel CountyMaryland8.135 3.115%11.250%162
Warren CountyIowa8.130 1.000%9.130%37
Tulsa CountyOklahoma8.125 3.625%11.750%123
Hawkins CountyTennessee8.115 5.625%13.740%27
Pettis CountyMissouri8.100 0.000%8.100%19
Orange CountyFlorida8.099 3.891%11.990%225
Pinellas CountyFlorida8.050 3.990%12.040%209
Denver CountyColorado8.019 2.972%10.990%169
Franklin CountyOhio8.010 3.990%12.000%194
Pinal CountyArizona8.010 3.990%12.000%159
Butler CountyOhio8.010 3.990%12.000%121
Thurston CountyWashington8.010 3.990%12.000%103
Warren CountyOhio8.010 3.990%12.000%103
Clermont CountyOhio8.010 3.990%12.000%95
Boone CountyKentucky8.010 3.990%12.000%65
Campbell CountyKentucky8.010 3.990%12.000%54
Hillsborough CountyFlorida8.000 3.990%11.990%245
El Paso CountyColorado8.000 2.750%10.750%172
Duval CountyFlorida8.000 3.990%11.990%184
Montgomery CountyTexas8.000 3.990%11.990%220
Seminole CountyFlorida8.000 3.990%11.990%134
Marion CountyFlorida7.990 4.750%12.740%152
District of ColumbiaDistrict of Columbia7.990 3.500%11.490%128
Clark CountyOhio7.990 5.125%13.115%47
Portsmouth cityVirginia7.980 2.990%10.970%55
Bell CountyTexas7.900 4.625%12.525%105
Fayette CountyPennsylvania7.900 0.250%8.150%31
Spartanburg CountySouth Carolina7.875 4.500%12.375%137
Chesapeake cityVirginia7.875 2.990%10.865%92
Anderson CountySouth Carolina7.875 4.500%12.375%105
Washington CountyPennsylvania7.875 3.990%11.865%64
Decatur CountyIndiana7.875 0.000%7.875%13
Ada CountyIdaho7.823 2.990%10.813%140
Oklahoma CountyOklahoma7.805 3.875%11.680%158
Lycoming CountyPennsylvania7.785 1.990%9.775%30
Erie CountyNew York7.760 3.750%11.510%96
Sarasota CountyFlorida7.760 3.990%11.750%178
Essex CountyNew Jersey7.760 3.990%11.750%156
Contra Costa CountyCalifornia7.755 4.990%12.745%189
Prince George's CountyMaryland7.750 3.500%11.250%192
Lynchburg cityVirginia7.750 5.750%13.500%40
Shelby CountyKentucky7.750 0.000%7.750%35
Washington CountyIndiana7.750 0.000%7.750%11
Ray CountyMissouri7.750 0.000%7.750%16
Perry CountyIndiana7.750 0.000%7.750%8
Jackson CountyOklahoma7.750 0.000%7.750%10
Martin CountyIndiana7.750 0.000%7.750%5
Travis CountyTexas7.735 3.990%11.725%226
Brevard CountyFlorida7.640 3.990%11.630%164
Hamilton CountyIndiana7.635 2.990%10.625%131
Westmoreland CountyPennsylvania7.635 3.990%11.625%82
Brunswick CountyNorth Carolina7.635 4.990%12.625%119
Mohave CountyArizona7.635 3.990%11.625%96
Multnomah CountyOregon7.615 3.500%11.115%154
Fredericksburg cityVirginia7.600 0.250%7.850%10
Bay CountyFlorida7.588 4.188%11.775%103
Charleston CountySouth Carolina7.560 3.490%11.050%147
Williamson CountyTexas7.510 3.990%11.500%190
Arapahoe CountyColorado7.510 3.990%11.500%177
Delaware CountyOhio7.510 3.990%11.500%89
Sumner CountyTennessee7.510 3.990%11.500%99
Paulding CountyGeorgia7.510 4.490%12.000%98
Richmond cityVirginia7.510 5.990%13.500%83
Barrow CountyGeorgia7.510 3.990%11.500%66
Wilson CountyTennessee7.501 3.999%11.500%89
Denton CountyTexas7.500 4.500%12.000%224
Pasco CountyFlorida7.500 4.490%11.990%184
Montgomery CountyMaryland7.500 3.500%11.000%176
DeKalb CountyGeorgia7.500 4.490%11.990%194
Virginia Beach cityVirginia7.500 2.990%10.490%111
Brazoria CountyTexas7.500 4.250%11.750%123
Columbia CountyGeorgia7.500 4.990%12.490%66
St. Croix CountyWisconsin7.500 4.490%11.990%43
Lawrence CountyIndiana7.500 0.000%7.500%24
Dubois CountyIndiana7.500 0.000%7.500%11
Gibson CountyIndiana7.500 0.000%7.500%15
Manassas cityVirginia7.500 0.250%7.750%19
Simpson CountyKentucky7.500 0.000%7.500%12
Fairfax CountyVirginia7.470 3.000%10.470%184
Clay CountyFlorida7.448 3.990%11.438%92
Pima CountyArizona7.443 3.058%10.500%155
Larimer CountyColorado7.440 3.990%11.430%125
Sussex CountyNew Jersey7.385 3.990%11.375%66

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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.