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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Eustis MortgageNew Orleans, LA | B | 2.0% | 594 | 0.3% | 6.50% |
| 2 | Flat Branch MortgageColumbia, MO | A | 1.2% | 1,840 | 0.4% | 6.49% |
| 3 | Firsttrust Home LoansSheridan, AR | B | 0.9% | 2,590 | 0.5% | 6.49% |
| 4 | Highlands Residential MortgageAllen, TX | B | 2.3% | 851 | 0.8% | 6.63% |
| 5 | Union BankMena, AR | A | 1.3% | 446 | 1.4% | — |
| 6 | Swbc MortgageSan Antonio, TX | A | 4.0% | 443 | 1.4% | 6.50% |
| 7 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 463 | 1.5% | 6.50% |
| 8 | Click n' CloseAddison, TX | C | 7.3% | 672 | 2.7% | 6.25% |
| 9 | Coastal Community BankEverett, WA | C | 3.0% | 1,031 | 2.4% | 10.49% |
| 10 | Signature Bank of ArkansasFayetteville, AR | A | 4.0% | 485 | 3.3% | — |
| 11 | First National BankParagould, AR | B | 3.9% | 335 | 3.9% | 7.75% |
| 12 | Southern BankPoplar Bluff, MO | A | 5.8% | 354 | 3.7% | 7.30% |
| 13 | T2 FinancialWesterville, OH | B | 6.8% | 350 | 4.0% | 6.63% |
| 14 | Lendlo MortgageHouston, TX | A | 2.8% | 425 | 4.0% | 5.99% |
| 15 | Gateway First BankJenks, OK | B | 5.3% | 437 | 4.4% | 6.38% |
| 16 | First Community BankBatesville, AR | C | 6.5% | 1,844 | 4.8% | 6.99% |
| 17 | The First National Bank of Fort SmithFort Smith, AR | B | 7.2% | 501 | 4.8% | 6.50% |
| 18 | Bank of Little Rock MortgageLittle Rock, AR | B | 5.7% | 495 | 4.7% | 6.62% |
| 19 | DAS Acquisition CompanySt. Louis, MO | B | 3.0% | 395 | 5.6% | 6.63% |
| 20 | First Security BankSearcy, AR | C | 6.6% | 1,843 | 5.9% | 7.50% |
| 21 | First Community MortgageMurfreesboro, TN | A | 7.1% | 336 | 6.3% | 6.49% |
| 22 | Eagle Bank and TrustLittle Rock, AR | A | 4.9% | 1,305 | 5.5% | 6.50% |
| 23 | Crosscountry MortgageCleveland, OH | B | 5.7% | 734 | 4.6% | 6.63% |
| 24 | First Financial BankEl Dorado, AR | B | 7.5% | 506 | 6.3% | 6.50% |
| 25 | Fairway Independent MortgageMadison, WI | B | 6.1% | 1,864 | 6.0% | 6.49% |
| 26 | Guild MortgageSan Diego, CA | A | 4.7% | 597 | 8.0% | 6.63% |
| 27 | Generations BankRogers, AR | B | 9.9% | 399 | 9.0% | 6.63% |
| 28 | Southern Bancorp BankArkadelphia, AR | C | 12.4% | 745 | 8.3% | 7.50% |
| 29 | Chambers BankDanville, AR | C | 11.0% | 423 | 10.4% | — |
| 30 | The Farmers & Merchants BankStuttgart, AR | D | 14.9% | 461 | 13.2% | 7.79% |
| 31 | Freedom MortgageBoca Raton, FL | B | 14.6% | 1,672 | 8.4% | 6.25% |
| 32 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 2,456 | 13.3% | 6.12% |
| 33 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 547 | 11.7% | 6.38% |
| 34 | Encore BankLittle Rock, AR | C | 19.6% | 567 | 12.7% | 6.50% |
| 35 | Nationstar MortgageCoppell, TX | C | 18.8% | 744 | 13.8% | 7.69% |
| 36 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 1,080 | 12.1% | 5.50% |
| 37 | Arvest BankFayetteville, AR | C | 18.5% | 9,748 | 14.4% | 7.00% |
| 38 | Lennar MortgageMiami, FL | A | 16.3% | 516 | 16.3% | 5.50% |
| 39 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 2,076 | 12.4% | 6.38% |
| 40 | Cadence BankTupelo, MS | B | 19.7% | 1,406 | 17.7% | 7.13% |
| 41 | Centennial BankConway, AR | D | 23.5% | 2,104 | 16.1% | 6.63% |
| 42 | First Horizon BankMemphis, TN | B | 25.4% | 972 | 17.6% | 6.50% |
| 43 | Rocket MortgagePlymouth, MI | C | 19.9% | 5,854 | 20.1% | 6.63% |
| 44 | Village Capital & InvestmentHenderson, NV | C | 25.5% | 394 | 17.0% | 5.75% |
| 45 | Mutual of Omaha MortgageSan Diego, CA | C | 22.6% | 492 | 18.5% | 6.38% |
| 46 | Simmons BankPine Bluff, AR | C | 26.5% | 1,568 | 22.3% | 6.44% |
| 47 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 1,057 | 17.3% | 6.50% |
| 48 | Broker SolutionsTustin, CA | D | 18.0% | 1,268 | 10.8% | 6.88% |
| 49 | Mortgage Research CenterColumbia, MO | C | 28.1% | 2,767 | 18.3% | 6.25% |
| 50 | United Federal Credit UnionSaint Joseph, MI | D | 27.5% | 815 | 25.3% | 6.81% |
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.
