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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Cornerstone First MortgageSan Diego, CA | C | 4.3% | 403 | 0.3% | 6.75% |
| 2 | Unnamed lender 254900YZ174H294JW398 | A | 2.8% | 470 | 1.1% | 6.63% |
| 3 | Altitude FinancialTucson, AZ | A | 1.4% | 1,165 | 1.0% | 6.63% |
| 4 | Shea MortgageWalnut, CA | A | 2.3% | 469 | 1.1% | 6.13% |
| 5 | NFMLinthicum, MD | A | 2.3% | 1,012 | 1.2% | 4.99% |
| 6 | Moria DevelopmentTempe, AZ | B | 3.2% | 1,145 | 1.6% | 6.75% |
| 7 | Homeowners Financial Group USAScottadale, AZ | B | 4.8% | 996 | 1.7% | 6.50% |
| 8 | Direct Mortgage LoansHunt Valley, MD | B | 2.0% | 470 | 2.1% | 6.63% |
| 9 | Gardner Financial ServicesSan Antonio, TX | B | 2.7% | 371 | 2.2% | 6.63% |
| 10 | Velocio MortgageSan Antonio, TX | A | 3.9% | 1,568 | 2.7% | 3.99% |
| 11 | V.i.p. MortgageScottsdale, AZ | B | 3.1% | 2,930 | 2.5% | 6.62% |
| 12 | Coastal Community BankEverett, WA | C | 3.0% | 3,308 | 2.2% | 9.99% |
| 13 | Nations LendingIndependence, OH | B | 6.2% | 739 | 3.3% | 6.50% |
| 14 | Waterstone MortgageBrookfield, WI | C | 4.7% | 516 | 3.1% | 6.50% |
| 15 | Geneva FinancialChandler, AZ | C | 3.1% | 1,130 | 2.9% | 6.63% |
| 16 | Movement MortgageLancaster, SC | A | 4.8% | 1,264 | 3.4% | 6.75% |
| 17 | Citadel ServicingIrvine, CA | B | 3.9% | 416 | 4.1% | 7.50% |
| 18 | Paramount Residential Mortgage GroupCorona, CA | B | 5.0% | 1,583 | 3.4% | 6.50% |
| 19 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 537 | 3.5% | 6.62% |
| 20 | A&D MortgageFort Lauderdale, FL | C | 13.1% | 693 | 3.9% | 6.49% |
| 21 | Guild MortgageSan Diego, CA | A | 4.7% | 4,880 | 4.3% | 6.63% |
| 22 | Crosscountry MortgageCleveland, OH | B | 5.7% | 7,570 | 3.8% | 6.58% |
| 23 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 7.3% | 739 | 4.5% | 6.50% |
| 24 | Click n' CloseAddison, TX | C | 7.3% | 1,493 | 4.4% | 6.99% |
| 25 | Prosperity Home MortgageFairfax, VA | A | 7.8% | 1,082 | 4.7% | 6.38% |
| 26 | Kbhs Home LoansIrving, TX | B | 9.8% | 1,205 | 5.5% | 5.68% |
| 27 | Zillow Home LoansIrvine, CA | B | 7.4% | 814 | 5.2% | 6.50% |
| 28 | CMG MortgageSan Ramon, CA | A | 5.6% | 2,740 | 5.0% | 6.75% |
| 29 | MidFirst BankOklahoma City, OK | B | 16.3% | 343 | 5.8% | 6.50% |
| 30 | Union Home MortgageStrongsville, OH | B | 6.7% | 959 | 5.3% | 6.50% |
| 31 | Fairway Independent MortgageMadison, WI | B | 6.1% | 6,729 | 5.6% | 6.63% |
| 32 | Homeamerican MortgageDenver, CO | A | 9.5% | 1,197 | 6.7% | 4.50% |
| 33 | Mattamy Home FundingDover, DE | A | 10.5% | 682 | 7.2% | 5.38% |
| 34 | Guaranteed Rate AffinityChicago, IL | A | 6.8% | 866 | 5.2% | 6.63% |
| 35 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 872 | 6.9% | 6.63% |
| 36 | Kiavi FundingWilmington, DE | D | 11.1% | 608 | 6.1% | 10.95% |
| 37 | Finance of America ReverseTulsa, OK | C | 13.3% | 517 | 7.5% | 6.50% |
| 38 | Plains Commerce BankSioux Falls, SD | B | 10.0% | 1,985 | 5.9% | 6.38% |
| 39 | Provident Funding AssociatesSanta Rosa, CA | A | 9.4% | 903 | 6.8% | 6.38% |
| 40 | Sierra Pacific Mortgage CompanyFolsom, CA | C | 10.2% | 430 | 7.7% | 6.88% |
| 41 | Bell BankFargo, ND | A | 7.1% | 1,632 | 8.5% | 6.75% |
| 42 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 10.8% | 399 | 9.0% | 6.75% |
| 43 | Pulte MortgageWilmington, DE | A | 15.3% | 1,597 | 8.1% | 4.99% |
| 44 | The Loan StoreSan Francisco, CA | B | 12.2% | 3,658 | 9.8% | 6.88% |
| 45 | Efinity FinancialBedford, TX | D | 9.5% | 1,137 | 8.5% | 6.63% |
| 46 | Nexera HoldingEmeryville, CA | D | 14.1% | 643 | 7.0% | 7.38% |
| 47 | Guaranteed RateChicago, IL | B | 9.2% | 2,727 | 6.6% | 6.58% |
| 48 | Inspire Home LoansNewport Beach, CA | B | 11.9% | 953 | 10.3% | 5.63% |
| 49 | OCMBCIrvine, CA | C | 12.7% | 809 | 8.4% | 7.13% |
| 50 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 25,383 | 10.2% | 6.25% |
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.
