Leader Bank, N.A.: 2025 mortgage rates, costs & approvals
How Leader Bank, N.A. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Leader Bank, National Association · LEI 549300FK3AFCFVAPH234
In 2025, Leader Bank, N.A. originated 4,634 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 44 states — 140th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.49% (all lenders: 6.625%); its median rate spread was 28 basis points below the national median. Median conventional loan costs were $5,060, 9% lower than the national median ($5,570).
It denied 1.6% of completed home-purchase applications (all lenders: 8.5%).
How Leader Bank, N.A. priced home-purchase loans
| Purchase loans, 2025 | Leader Bank, N.A. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.490% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | −0.14 pts | +0.13 pts |
| Total loan costs · conventional | $5,060 | $5,570 |
| Total loan costs · FHA | $13,620 | $11,310 |
| Total loan costs · VA | $5,660 | $6,490 |
| Origination charges (all types) | $1,500 | $1,860 |
| Borrowers paying discount points | 12.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.30% | 0.87% |
| Borrowers receiving lender credits | 48.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Leader Bank, N.A. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Leader Bank, N.A. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Massachusetts | 3,766 | 3,905 | 1.6% | 6.490% | $5,060 |
| New Hampshire | 180 | 186 | 0.7% | 6.490% | $4,420 |
| Connecticut | 137 | 146 | 0.8% | 6.500% | $5,730 |
| Rhode Island | 89 | 93 | 2.5% | 6.490% | $4,750 |
| Florida | 59 | 63 | 0.0% | 6.375% | $6,130 |
| Texas | 39 | 47 | 0.0% | 6.625% | $6,440 |
| California | 36 | 41 | 3.6% | 6.490% | $7,430 |
| North Carolina | 29 | 32 | 3.9% | — | $4,320 |
| New York | 22 | 23 | — | — | — |
| Georgia | 18 | 20 | — | — | — |
| Ohio | 18 | 18 | — | — | — |
| Maine | 17 | 20 | — | — | — |
| New Jersey | 17 | 17 | — | — | — |
| Washington | 16 | 16 | — | — | — |
| Pennsylvania | 15 | 16 | — | — | — |
| Colorado | 15 | 15 | — | — | — |
| South Carolina | 15 | 15 | — | — | — |
| Illinois | 14 | 19 | — | — | — |
| Virginia | 14 | 16 | — | — | — |
| Minnesota | 12 | 12 | — | — | — |
| Maryland | 10 | 11 | — | — | — |
| Tennessee | 10 | 10 | — | — | — |
| Arizona | 8 | 10 | — | — | — |
| Kentucky | 8 | 8 | — | — | — |
| Michigan | 7 | 8 | — | — | — |
| Vermont | 6 | 7 | — | — | — |
| Missouri | 6 | 6 | — | — | — |
| Wisconsin | 6 | 6 | — | — | — |
| Kansas | 5 | 6 | — | — | — |
| Alabama | 5 | 5 | — | — | — |
| District of Columbia | 5 | 5 | — | — | — |
| Indiana | 5 | 5 | — | — | — |
| New Mexico | 5 | 5 | — | — | — |
| Utah | 4 | 4 | — | — | — |
| Arkansas | 3 | 3 | — | — | — |
| Oklahoma | 3 | 3 | — | — | — |
| Louisiana | 2 | 2 | — | — | — |
| Nevada | 2 | 2 | — | — | — |
| Iowa | 1 | 1 | — | — | — |
| Idaho | 1 | 1 | — | — | — |
| Montana | 1 | 1 | — | — | — |
| Oregon | 1 | 1 | — | — | — |
| West Virginia | 1 | 1 | — | — | — |
| Wyoming | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Leader Bank, N.A.'s page for that state.
Counties where Leader Bank, N.A. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Suffolk County, MA | 1 | 523 | 9.7% |
| Middlesex County, MA | 2 | 1,307 | 8.2% |
| Norfolk County, MA | 1 | 619 | 8.2% |
| Essex County, MA | 3 | 468 | 5.8% |
| Barnstable County, MA | 3 | 121 | 5.1% |
| Plymouth County, MA | 6 | 221 | 3.4% |
| Worcester County, MA | 5 | 342 | 3.3% |
| Nantucket County, MA | 9 | 2 | 3.1% |
| Dukes County, MA | 9 | 3 | 2.3% |
| Bristol County, MA | 11 | 126 | 2.1% |
| Rockingham County, NH | 13 | 74 | 1.6% |
| Hillsborough County, NH | 16 | 79 | 1.4% |
| Berkshire County, MA | 14 | 10 | 0.8% |
Check Leader Bank, N.A. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300FK3AFCFVAPH234.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Leader Bank, N.A. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology