Top 100 Cities for Loan Comparison in 2026
Compare loan rates in the largest U.S. cities. We analyze lending markets across the country to bring you localized rate data, lender recommendations, and qualification guidance for major metropolitan areas.
New York, NY
Pop: 18,972,871 · Income: $68,000
Los Angeles, CA
Pop: 12,121,244 · Income: $75,000
Chicago, IL
Pop: 8,595,181 · Income: $60,000
Miami, FL
Pop: 5,711,945 · Income: $52,000
Dallas, TX
Pop: 5,668,165 · Income: $58,000
Houston, TX
Pop: 5,650,910 · Income: $58,000
Philadelphia, PA
Pop: 5,512,873 · Income: $55,000
Atlanta, GA
Pop: 5,046,555 · Income: $53,000
Washington, DC
Pop: 4,810,669 · Income: $82,000
Boston, MA
Pop: 4,208,580 · Income: $78,000
Phoenix, AZ
Pop: 4,047,095 · Income: $55,000
Detroit, MI
Pop: 3,522,856 · Income: $52,000
Seattle, WA
Pop: 3,438,221 · Income: $72,000
San Francisco, CA
Pop: 3,290,197 · Income: $75,000
San Diego, CA
Pop: 3,084,174 · Income: $75,000
Minneapolis, MN
Pop: 2,856,952 · Income: $65,000
Brooklyn, NY
Pop: 2,736,074 · Income: $68,000
Tampa, FL
Pop: 2,683,956 · Income: $52,000
Denver, CO
Pop: 2,650,725 · Income: $68,000
Queens, NY
Pop: 2,405,464 · Income: $68,000
Baltimore, MD
Pop: 2,205,092 · Income: $72,000
Las Vegas, NV
Pop: 2,150,373 · Income: $55,000
St. Louis, MO
Pop: 2,092,481 · Income: $52,000
Portland, OR
Pop: 2,036,875 · Income: $58,000
Riverside, CA
Pop: 2,022,285 · Income: $75,000
Orlando, FL
Pop: 1,927,699 · Income: $52,000
Sacramento, CA
Pop: 1,924,167 · Income: $75,000
San Juan, PR
Pop: 1,915,105 · Income: $52,000
San Antonio, TX
Pop: 1,910,785 · Income: $58,000
San Jose, CA
Pop: 1,729,879 · Income: $75,000
Pittsburgh, PA
Pop: 1,720,279 · Income: $55,000
Cincinnati, OH
Pop: 1,712,287 · Income: $50,000
Manhattan, NY
Pop: 1,694,263 · Income: $68,000
Cleveland, OH
Pop: 1,683,059 · Income: $50,000
Indianapolis, IN
Pop: 1,659,305 · Income: $52,000
Austin, TX
Pop: 1,659,251 · Income: $58,000
Kansas City, MO
Pop: 1,644,497 · Income: $52,000
Columbus, OH
Pop: 1,556,848 · Income: $50,000
Charlotte, NC
Pop: 1,516,107 · Income: $52,000
Virginia Beach, VA
Pop: 1,500,764 · Income: $65,000
Bronx, NY
Pop: 1,472,654 · Income: $68,000
Milwaukee, WI
Pop: 1,340,981 · Income: $55,000
Providence, RI
Pop: 1,270,149 · Income: $62,000
Jacksonville, FL
Pop: 1,220,191 · Income: $52,000
Salt Lake City, UT
Pop: 1,135,344 · Income: $65,000
Nashville, TN
Pop: 1,098,486 · Income: $50,000
Raleigh, NC
Pop: 1,062,018 · Income: $52,000
Memphis, TN
Pop: 1,034,498 · Income: $50,000
Louisville, KY
Pop: 1,022,630 · Income: $48,000
Richmond, VA
Pop: 1,008,069 · Income: $65,000
Buffalo, NY
Pop: 1,004,655 · Income: $68,000
Oklahoma City, OK
Pop: 994,284 · Income: $48,000
Bridgeport, CT
Pop: 975,078 · Income: $72,000
New Orleans, LA
Pop: 925,443 · Income: $48,000
Fort Worth, TX
Pop: 908,469 · Income: $58,000
Hartford, CT
Pop: 907,046 · Income: $72,000
Tucson, AZ
Pop: 875,284 · Income: $55,000
Honolulu, HI
Pop: 835,291 · Income: $68,000
McAllen, TX
Pop: 809,002 · Income: $58,000
Omaha, NE
Pop: 806,485 · Income: $55,000
El Paso, TX
Pop: 794,344 · Income: $58,000
Albuquerque, NM
Pop: 765,693 · Income: $48,000
Rochester, NY
Pop: 737,309 · Income: $68,000
Sarasota, FL
Pop: 727,388 · Income: $52,000
Fresno, CA
Pop: 719,558 · Income: $75,000
Tulsa, OK
Pop: 715,983 · Income: $48,000
Allentown, PA
Pop: 714,136 · Income: $55,000
Dayton, OH
Pop: 709,300 · Income: $50,000
Birmingham, AL
Pop: 704,676 · Income: $48,000
Charleston, SC
Pop: 685,517 · Income: $48,000
Cape Coral, FL
Pop: 682,773 · Income: $52,000
Columbia, SC
Pop: 640,502 · Income: $48,000
Concord, CA
Pop: 640,270 · Income: $75,000
Colorado Springs, CO
Pop: 628,808 · Income: $68,000
Springfield, MA
Pop: 620,494 · Income: $78,000
Knoxville, TN
Pop: 619,925 · Income: $50,000
Baton Rouge, LA
Pop: 610,751 · Income: $48,000
Ogden, UT
Pop: 608,259 · Income: $65,000
Grand Rapids, MI
Pop: 604,311 · Income: $52,000
Albany, NY
Pop: 604,077 · Income: $68,000
Bakersfield, CA
Pop: 590,845 · Income: $75,000
Mission Viejo, CA
Pop: 588,540 · Income: $75,000
New Haven, CT
Pop: 587,648 · Income: $72,000
Worcester, MA
Pop: 573,573 · Income: $78,000
Provo, UT
Pop: 551,645 · Income: $65,000
Akron, OH
Pop: 546,549 · Income: $50,000
Palm Bay, FL
Pop: 528,322 · Income: $52,000
Des Moines, IA
Pop: 514,654 · Income: $55,000
Murrieta, CA
Pop: 509,526 · Income: $75,000
Mesa, AZ
Pop: 497,752 · Income: $55,000
Staten Island, NY
Pop: 495,747 · Income: $68,000
Wichita, KS
Pop: 491,916 · Income: $52,000
Toledo, OH
Pop: 490,832 · Income: $50,000
Harrisburg, PA
Pop: 472,261 · Income: $55,000
Port St. Lucie, FL
Pop: 468,979 · Income: $52,000
Long Beach, CA
Pop: 466,565 · Income: $75,000
Reno, NV
Pop: 463,328 · Income: $55,000
Madison, WI
Pop: 461,778 · Income: $55,000
Little Rock, AR
Pop: 457,379 · Income: $45,000
Greenville, SC
Pop: 450,487 · Income: $48,000
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We cover over 4,000 cities nationwide. Use the links below to explore loan options by state, or return to our state directory to narrow your search.
Important Disclaimer
LoanMatchers is not a lender and does not make credit decisions. We connect consumers with licensed lending partners. All loan terms, rates, and fees are determined by the lender and are subject to credit approval. APRs range from 5.99% to 35.99%. Not all applicants will qualify for the lowest rates. This website provides general information and does not constitute financial, legal, or tax advice. Consult a qualified professional before making financial decisions. Rates and terms are accurate as of 2026 but subject to change without notice.