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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Heritage MortgageMadison, AL | A | 1.3% | 534 | 0.2% | 5.99% |
| 2 | Unnamed lender 2549005Z23HAAZ6QDM98 | B | 1.3% | 461 | 0.7% | 6.63% |
| 3 | Canopy MortgageLindon, UT | B | 3.2% | 1,695 | 0.6% | 6.25% |
| 4 | Hamilton MortgageMontgomery, AL | B | 1.9% | 394 | 0.8% | 6.25% |
| 5 | GMFSBaton Rouge, LA | A | 2.8% | 641 | 1.7% | 6.38% |
| 6 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 393 | 2.0% | 6.50% |
| 7 | Listerhill Credit UnionMuscle Shoals, AL | A | 3.5% | 554 | 2.7% | 6.00% |
| 8 | Mortgage Investors GroupNashville, TN | B | 4.6% | 347 | 3.2% | 6.50% |
| 9 | Coastal Community BankEverett, WA | C | 3.0% | 1,640 | 2.4% | 10.49% |
| 10 | Fbc MortgageOrlando, FL | B | 6.6% | 394 | 2.8% | 6.13% |
| 11 | Towne MortgageTroy, MI | B | 4.4% | 739 | 3.4% | 6.25% |
| 12 | SouthPoint BankBirmingham, AL | B | 4.2% | 814 | 3.2% | 6.25% |
| 13 | Mortgage RightWetumpka, AL | C | 6.2% | 395 | 3.3% | 6.50% |
| 14 | River Bank & TrustPrattville, AL | A | 4.5% | 1,628 | 3.7% | 6.95% |
| 15 | ServisFirst BankBirmingham, AL | A | 3.8% | 716 | 3.8% | 6.99% |
| 16 | First Federal Bank, ATuscaloosa, AL | B | 4.5% | 1,776 | 3.4% | 6.25% |
| 17 | Moria DevelopmentTempe, AZ | B | 3.2% | 390 | 3.6% | 6.38% |
| 18 | CMG MortgageSan Ramon, CA | A | 5.6% | 1,327 | 4.1% | 6.50% |
| 19 | Guild MortgageSan Diego, CA | A | 4.7% | 2,742 | 3.8% | 6.50% |
| 20 | Fairway Independent MortgageMadison, WI | B | 6.1% | 2,494 | 4.1% | 6.63% |
| 21 | Movement MortgageLancaster, SC | A | 4.8% | 2,284 | 4.9% | 6.63% |
| 22 | Ameris BankAtlanta, GA | B | 10.5% | 452 | 4.9% | 6.25% |
| 23 | Union Home MortgageStrongsville, OH | B | 6.7% | 1,346 | 4.9% | 6.50% |
| 24 | Assurance Financial GroupBaton Rouge, LA | C | 5.9% | 1,083 | 5.2% | 6.50% |
| 25 | BankFirst Financial ServicesMacon, MS | A | 7.5% | 450 | 6.2% | 6.50% |
| 26 | Crosscountry MortgageCleveland, OH | B | 5.7% | 1,817 | 4.8% | 6.63% |
| 27 | Family Savings Credit UnionRainbow City, | B | 11.7% | 507 | 7.5% | 6.50% |
| 28 | Dsld MortgageDover, DE | A | 7.6% | 436 | 6.0% | 6.13% |
| 29 | Bryant BankTuscaloosa, AL | B | 7.7% | 608 | 6.7% | 7.50% |
| 30 | First Community MortgageMurfreesboro, TN | A | 7.1% | 644 | 7.1% | 6.38% |
| 31 | Renasant BankTupelo, MS | B | 11.6% | 2,508 | 7.3% | 6.63% |
| 32 | Stockton MortgageFrankfort, KY | D | 10.8% | 1,470 | 6.6% | 6.50% |
| 33 | PHH MortgageMount Laurel, NJ | C | 18.3% | 457 | 6.8% | 6.49% |
| 34 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 13.1% | 505 | 7.1% | 6.50% |
| 35 | The Loan StoreSan Francisco, CA | B | 12.2% | 640 | 8.8% | 6.75% |
| 36 | Community Bank of MississippiFlowood, MS | C | 9.7% | 669 | 9.6% | 7.25% |
| 37 | Kiavi FundingWilmington, DE | D | 11.1% | 1,309 | 5.6% | 9.95% |
| 38 | Prosperity Home MortgageFairfax, VA | A | 7.8% | 787 | 8.5% | 6.50% |
| 39 | BankPlusRidgeland, MS | B | 12.2% | 454 | 8.8% | 6.50% |
| 40 | Bpl Mortgage TrustTampa, FL | D | 13.8% | 439 | 10.7% | 7.50% |
| 41 | Trustmark National BankJackson, MS | C | 14.7% | 3,443 | 10.3% | 6.50% |
| 42 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 10.8% | 333 | 12.0% | 6.25% |
| 43 | Bank IndependentSheffield, AL | B | 12.9% | 1,200 | 11.6% | 6.49% |
| 44 | Freedom MortgageBoca Raton, FL | B | 14.6% | 3,725 | 8.7% | 6.25% |
| 45 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 7,689 | 12.0% | 6.13% |
| 46 | Southwest Stage FundingChandler, AZ | F | 18.9% | 804 | 6.8% | 8.58% |
| 47 | Lennar MortgageMiami, FL | A | 16.3% | 1,229 | 13.1% | 4.75% |
| 48 | CB&S BankRussellville, AL | C | 17.2% | 709 | 13.1% | 6.63% |
| 49 | Planet Home LendingMeriden, CT | B | 17.5% | 479 | 15.0% | 6.00% |
| 50 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 774 | 11.2% | 6.49% |
Ordered by decision denial rate: denied ÷ (originated + approved-not-accepted + denied). Lenders must have decided at least 300 applications in the state. All figures come from the lenders' own HMDA filings. Full methodology.
