Lenders that say no least often, measured on applications they actually decided. Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.
| # | Lender | Grade | Decision denial rate | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | A & N Mortgage ServicesSpringfield, IL | A | 0.0% | 1,484 | 0.0% | 6.63% |
| 2 | First State Bank of St. Charles, MissouriSt. Charles, MO | A | 0.0% | 2,415 | 0.0% | 6.50% |
| 3 | NmsiLos Angeles, CA | A | 0.0% | 3,255 | 0.0% | 6.63% |
| 4 | Emet Lending GroupBrea, CA | A | 0.0% | 2,025 | 0.0% | 7.00% |
| 5 | Tradition MortgageLakeville, MN | A | 0.2% | 1,229 | 0.2% | 6.63% |
| 6 | Priority Home MortgageAustin, TX | A | 0.3% | 1,453 | 0.3% | 5.63% |
| 7 | New Wave Lending GroupCity Of Industry, CA | B | 0.4% | 6,188 | 0.2% | 7.00% |
| 8 | All Credit Considered MortgageRockville, MD | B | 0.7% | 1,745 | 0.7% | 7.50% |
| 9 | My Move MortgageUtah, UT | A | 0.7% | 2,033 | 0.5% | 6.25% |
| 10 | Associated MortgageTulsa, OK | A | 0.8% | 3,758 | 0.7% | 6.50% |
| 11 | Firsttrust Home LoansSheridan, AR | B | 0.9% | 3,866 | 0.7% | 6.49% |
| 12 | American Security MortgageCharlotte, NC | A | 0.9% | 3,845 | 0.8% | 6.38% |
| 13 | Clm MortgageHouston, TX | A | 0.9% | 4,334 | 0.9% | 5.63% |
| 14 | Intercap LendingSalt Lake City, UT | A | 0.9% | 5,987 | 0.8% | 6.50% |
| 15 | First Savings MortgageMclean, VA | A | 1.0% | 2,135 | 0.8% | 6.50% |
| 16 | Flat Branch MortgageColumbia, MO | A | 1.2% | 18,921 | 1.0% | 6.50% |
| 17 | Texas Tech Federal Credit UnionLubbock, TX | A | 1.3% | 1,568 | 1.0% | 6.38% |
| 18 | Legend LendingHouston, TX | B | 1.3% | 1,425 | 1.0% | 6.63% |
| 19 | Bay-Valley Mortgage GroupLa Mirada, CA | A | 1.3% | 1,768 | 0.8% | 6.63% |
| 20 | General Mortgage CapitalBurlingame, CA | A | 1.4% | 5,625 | 1.1% | 6.50% |
| 21 | Altitude FinancialTucson, AZ | A | 1.4% | 1,297 | 1.1% | 6.63% |
| 22 | Legacy Home LoansNashville, TN | A | 1.4% | 1,484 | 1.2% | 6.49% |
| 23 | Howard Hanna Financial ServicesPittsburgh, PA | A | 1.5% | 5,509 | 1.2% | 6.63% |
| 24 | The Mortgage LinkRockville, MD | B | 1.5% | 3,250 | 1.2% | 6.63% |
| 25 | Mortgage Financial ServicesBaton Rouge, LA | B | 1.5% | 2,920 | 1.1% | 6.50% |
| 26 | Delmar FinancialSaint Louis, MO | A | 1.5% | 3,136 | 1.3% | 6.50% |
| 27 | Evergreen Moneysource MortgageBellevue, WA | B | 1.5% | 7,542 | 1.2% | 6.63% |
| 28 | GreenStone Farm Credit Services, FLCAEast Lansing, MI | A | 1.5% | 1,428 | 1.4% | 6.75% |
| 29 | FM Home LoansNew York, NY | B | 1.6% | 2,748 | 1.3% | 6.99% |
| 30 | Pilgrim MortgageSan Antonio, TX | A | 1.6% | 1,520 | 1.3% | 6.49% |
| 31 | Thompson Kane & CompanyMadison, WI | A | 1.7% | 1,248 | 1.4% | 6.75% |
| 32 | Lakeview Community CapitalTucson, AZ | A | 1.7% | 4,931 | 1.7% | 6.25% |
| 33 | First Federal Savings BankRochester, IN | A | 1.8% | 1,151 | 1.7% | 7.00% |
| 34 | Republic State MortgageHouston, TX | A | 1.9% | 2,115 | 1.5% | 6.00% |
| 35 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 1.9% | 16,714 | 1.5% | 6.62% |
| 36 | Mortgage AmericaWhitehall, PA | A | 2.0% | 1,740 | 1.7% | 6.50% |
| 37 | Eustis MortgageNew Orleans, LA | B | 2.0% | 4,019 | 1.6% | 6.50% |
| 38 | Franklin LoanPalm Desert, CA | B | 2.0% | 2,615 | 1.6% | 6.63% |
| 39 | Direct Mortgage LoansHunt Valley, MD | B | 2.0% | 3,579 | 1.8% | 6.63% |
| 40 | Atlantic Coast MortgageFairfax, VA | A | 2.1% | 7,219 | 1.8% | 6.49% |
| 41 | Sefcu ServicesAlbany, NY | A | 2.1% | 2,747 | 1.9% | 6.13% |
| 42 | TexasBankBrownwood, TX | C | 2.2% | 1,411 | 1.7% | 7.38% |
| 43 | Cornerstone Capital BankHouston, TX | A | 2.2% | 9,635 | 1.8% | 6.49% |
| 44 | Sirva MortgageSeven Hills, OH | A | 2.2% | 1,746 | 2.2% | 6.63% |
| 45 | Mortgage 1Sterling Heights, MI | A | 2.2% | 4,573 | 2.0% | 6.63% |
| 46 | Shea MortgageWalnut, CA | A | 2.3% | 1,453 | 1.8% | 6.25% |
| 47 | Highlands Residential MortgageAllen, TX | B | 2.3% | 9,523 | 1.8% | 6.63% |
| 48 | NFMLinthicum, MD | A | 2.3% | 24,275 | 1.8% | 6.63% |
| 49 | Megastar FinancialDenver, CO | A | 2.3% | 1,627 | 1.7% | 6.63% |
| 50 | Stifel Bank and TrustSaint Louis, MO | A | 2.3% | 5,127 | 2.1% | 6.13% |
| 51 | Leader BankArlington, MA | A | 2.4% | 7,670 | 2.0% | 6.25% |
| 52 | Affordable Mortgage Advisors, LLC.Pittsburgh, PA | B | 2.4% | 5,590 | 1.8% | 6.63% |
| 53 | Compass MortgageWinfield, IL | B | 2.4% | 2,169 | 2.0% | 6.75% |
| 54 | Home Town FundingPittsford, NY | A | 2.4% | 1,239 | 2.3% | 6.75% |
| 55 | Residential Wholesale MortgageSan Diego, CA | B | 2.4% | 3,274 | 1.7% | 6.50% |
| 56 | Homestead FundingAlbany, NY | A | 2.4% | 6,908 | 2.1% | 6.49% |
| 57 | First State Mortgage ServicesBloomington, IL | A | 2.5% | 1,592 | 2.2% | 6.63% |
| 58 | Point MortgageCoral Gables, FL | B | 2.6% | 2,385 | 2.3% | 6.75% |
| 59 | Success Mortgage PartnersPlymouth, MI | B | 2.7% | 5,690 | 2.0% | 6.63% |
| 60 | Gardner Financial ServicesSan Antonio, TX | B | 2.7% | 3,467 | 2.2% | 6.50% |
| 61 | Lendlo MortgageHouston, TX | A | 2.8% | 1,300 | 2.2% | 5.99% |
| 62 | GMFSBaton Rouge, LA | A | 2.8% | 4,806 | 2.1% | 6.50% |
| 63 | M/i FinancialColumbus, OH | A | 2.8% | 8,501 | 2.7% | 5.88% |
| 64 | Premia Mortgage, LLC DBA Premia Relocation MortgageTroy, MI | A | 2.9% | 2,118 | 2.4% | 6.25% |
| 65 | Mjw FinancialIndianapolis, IN | A | 2.9% | 1,625 | 2.2% | 6.62% |
| 66 | Preston Home LoansGrand Blanc, MI | C | 2.9% | 1,717 | 2.1% | 6.63% |
| 67 | Sammamish MortgageBellevue, WA | A | 2.9% | 1,463 | 2.1% | 6.38% |
| 68 | Gvc MortgagePendleton, IN | B | 2.9% | 5,859 | 2.4% | 6.75% |
| 69 | Panorama Mortgage GroupLas Vegas, NV | C | 3.0% | 3,373 | 1.8% | 7.00% |
| 70 | The Mortgage FirmAltamonte Springs, FL | B | 3.0% | 4,204 | 2.6% | 6.75% |
| 71 | Community MortgageCordova, | A | 3.0% | 1,758 | 2.5% | 6.38% |
| 72 | Southeast Mortgage of GeorgiaDuluth, GA | B | 3.0% | 2,096 | 2.1% | 6.50% |
| 73 | Metro City BankDoraville, GA | B | 3.0% | 1,400 | 2.9% | 6.25% |
| 74 | First Home MortgageBaltimore, MD | B | 3.0% | 6,727 | 2.5% | 6.63% |
| 75 | Van Dyk MortgageGrand Rapids, MI | B | 3.0% | 3,606 | 2.1% | 6.63% |
| 76 | DAS Acquisition CompanySt. Louis, MO | B | 3.0% | 9,962 | 2.6% | 6.63% |
| 77 | Mld MortgageFlorham Park, NJ | A | 3.0% | 6,424 | 2.6% | 6.50% |
| 78 | V.i.p. MortgageScottsdale, AZ | B | 3.1% | 9,475 | 2.4% | 6.50% |
| 79 | Primis MortgageRaleigh, NC | B | 3.1% | 3,918 | 2.3% | 6.50% |
| 80 | Guidance ResidentialReston, VA | B | 3.1% | 4,215 | 2.3% | 6.88% |
| 81 | Geneva FinancialChandler, AZ | C | 3.1% | 8,198 | 2.2% | 6.75% |
| 82 | Royal Pacific FundingCosta Mesa, CA | B | 3.1% | 3,796 | 2.7% | 6.75% |
| 83 | ML MortgageRancho Cucamonga, CA | C | 3.1% | 2,266 | 2.4% | 6.63% |
| 84 | Canopy MortgageLindon, UT | B | 3.2% | 13,413 | 2.1% | 6.38% |
| 85 | Directions EquitySan Antonio, TX | A | 3.2% | 2,561 | 2.5% | 6.25% |
| 86 | C & F MortgageMidlothian, VA | A | 3.2% | 2,298 | 2.7% | 6.50% |
| 87 | Alcova MortgageRoanoke, VA | A | 3.2% | 7,839 | 2.9% | 6.63% |
| 88 | Go MortgageBrookfield, WI | B | 3.2% | 2,233 | 2.7% | 6.63% |
| 89 | Moria DevelopmentTempe, AZ | B | 3.2% | 4,212 | 2.4% | 6.63% |
| 90 | Stride BankEnid, OK | A | 3.3% | 2,212 | 2.7% | 6.50% |
| 91 | Lincoln FSB of NebraskaLincoln, NE | A | 3.3% | 1,345 | 2.8% | 6.38% |
| 92 | Key Mortgage ServicesSchaumburg, IL | A | 3.3% | 1,859 | 2.9% | 6.75% |
| 93 | Contour MortgageDover, DE | B | 3.3% | 4,325 | 2.3% | 6.63% |
| 94 | Lendsure MortgageSan Diego, CA | B | 3.3% | 5,432 | 2.5% | 7.50% |
| 95 | Victorian FinancePittsburgh, PA | C | 3.3% | 1,426 | 2.5% | 6.49% |
| 96 | Alameda MortgageWalnut Creek, CA | B | 3.3% | 4,961 | 2.4% | 6.62% |
| 97 | Wolfe FinancialAsheboro, NC | C | 3.3% | 1,819 | 2.2% | 6.75% |
| 98 | Intercoastal MortgageReston, VA | A | 3.3% | 3,393 | 3.0% | 6.49% |
| 99 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 20,196 | 2.7% | 6.50% |
| 100 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 3.4% | 18,919 | 2.3% | 6.63% |
Ordered by decision denial rate: denied ÷ (originated + approved-not-accepted + denied). Only mortgage lenders (not HELOC or reverse specialists) with at least 1,000 originations qualify, so a tiny lender with a handful of perfect files cannot top the list. All figures come from the lenders' own HMDA filings. Full methodology.
