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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Residential MortgageAnchorage, AK | B | 6.8% | 1,907 | 4.4% | 6.25% |
| 2 | NewrezWilmington, DE | D | 35.0% | 1,344 | 4.3% | 6.38% |
| 3 | The Loan StoreSan Francisco, CA | B | 12.2% | 519 | 8.5% | 6.50% |
| 4 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 551 | 12.2% | 6.12% |
| 5 | CREDIT UNION 1 Credit UnionAnchorage, AK | D | 16.2% | 462 | 11.7% | 7.75% |
| 6 | Rocket MortgagePlymouth, MI | C | 19.9% | 1,051 | 17.8% | 6.75% |
| 7 | Global Federal Credit UnionAnchorage, AK | C | 21.7% | 2,601 | 16.0% | 6.63% |
| 8 | Mortgage Research CenterColumbia, MO | C | 28.1% | 844 | 14.5% | 6.25% |
| 9 | NuVision Federal Credit UnionHuntington Beach, CA | C | 36.6% | 501 | 32.9% | 4.99% |
| 10 | AmeriSave MortgageSandy Springs, GA | D | 70.0% | 353 | 63.2% | 8.38% |
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.
