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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Coastal Funding SlcSan Luis Obispo, CA | A | 0.0% | 360 | 0.0% | 6.75% |
| 2 | Pacific LendingOntario, CA | B | 0.0% | 384 | 0.0% | 6.50% |
| 3 | First Standard FinancialLos Angeles, CA | A | 0.0% | 397 | 0.0% | 6.88% |
| 4 | Easy Street CapitalAustin, TX | A | 0.0% | 463 | 0.0% | 9.90% |
| 5 | Ez FundingsRancho Cucamonga, CA | B | 0.3% | 468 | 0.0% | 6.49% |
| 6 | Mortgage Capital PartnersLos Angeles, CA | B | 0.0% | 552 | 0.0% | 6.63% |
| 7 | Val-Chris InvestmentsIrvine, CA | A | 0.0% | 665 | 0.0% | 12.99% |
| 8 | Emet Lending GroupBrea, CA | A | 0.0% | 1,264 | 0.0% | 7.00% |
| 9 | NmsiLos Angeles, CA | A | 0.0% | 2,145 | 0.0% | 6.75% |
| 10 | Unnamed lender 549300DLBRGR2O0VNZ96 | B | 0.1% | 859 | 0.1% | 6.88% |
| 11 | Moria DevelopmentTempe, AZ | B | 3.2% | 847 | 0.2% | 6.50% |
| 12 | New Wave Lending GroupCity Of Industry, CA | B | 0.4% | 3,895 | 0.3% | 6.88% |
| 13 | Dignified Home LoansWestlake Village, CA | B | 0.7% | 558 | 0.4% | 6.62% |
| 14 | Augusta FinancialSanta Clarita, CA | B | 0.4% | 911 | 0.3% | 6.63% |
| 15 | Point MortgageCoral Gables, FL | B | 2.6% | 448 | 0.5% | 6.49% |
| 16 | GoogainSunnyvale, CA | A | 0.5% | 1,101 | 0.5% | 6.49% |
| 17 | Clm MortgageHouston, TX | A | 0.9% | 538 | 0.7% | 6.13% |
| 18 | Ahl FundingIrvine, CA | C | 1.7% | 1,205 | 0.5% | 6.88% |
| 19 | Residential Wholesale MortgageSan Diego, CA | B | 2.4% | 1,011 | 0.7% | 6.50% |
| 20 | Bay-Valley Mortgage GroupLa Mirada, CA | A | 1.3% | 1,242 | 0.6% | 6.63% |
| 21 | General Mortgage CapitalBurlingame, CA | A | 1.4% | 2,069 | 0.8% | 6.50% |
| 22 | ConventusSan Francisco, CA | B | 1.8% | 1,539 | 0.9% | 9.49% |
| 23 | NFMLinthicum, MD | A | 2.3% | 529 | 1.0% | 6.00% |
| 24 | Velocity Commercial CapitalWestlake Village, CA | B | 1.2% | 776 | 0.6% | 9.87% |
| 25 | Provident Credit UnionRedwood City, CA | B | 1.3% | 865 | 1.0% | 6.25% |
| 26 | Genesis CapitalLos Angeles, CA | B | 2.1% | 637 | 1.3% | 8.75% |
| 27 | Infinity Equity Group, LLC.Redding, CA | B | 1.8% | 411 | 1.2% | 6.63% |
| 28 | Cornerstone First MortgageSan Diego, CA | C | 4.3% | 996 | 1.1% | 6.75% |
| 29 | Stifel Bank and TrustSaint Louis, MO | A | 2.3% | 414 | 1.5% | 6.00% |
| 30 | Jmj Financial GroupAliso Viejo, CA | B | 1.8% | 704 | 1.3% | 6.75% |
| 31 | Fidelity Lending SolutionsBrea, CA | B | 1.5% | 776 | 1.6% | 7.00% |
| 32 | Franklin LoanPalm Desert, CA | B | 2.0% | 2,078 | 1.5% | 6.75% |
| 33 | Unnamed lender 549300MPZDD9EFQ1E963 | C | 3.4% | 552 | 1.1% | 7.00% |
| 34 | Lakeview Community CapitalTucson, AZ | A | 1.7% | 716 | 2.1% | 6.13% |
| 35 | Royal Pacific FundingCosta Mesa, CA | B | 3.1% | 2,821 | 2.0% | 6.63% |
| 36 | Premier Mortgage ResourcesMeridian, ID | B | 3.9% | 1,001 | 1.5% | 6.50% |
| 37 | Mld MortgageFlorham Park, NJ | A | 3.0% | 1,073 | 2.1% | 6.38% |
| 38 | Sunward Federal Credit UnionAlbuquerque, NM | B | 10.1% | 489 | 1.8% | 5.75% |
| 39 | Vellum MortgageFairfax, VA | A | 3.4% | 551 | 2.2% | 6.63% |
| 40 | Paramount Residential Mortgage GroupCorona, CA | B | 5.0% | 5,925 | 2.0% | 6.50% |
| 41 | Merchants Mortgage & Trust CorporationGreenwood Village, CO | B | 2.1% | 970 | 2.6% | 9.75% |
| 42 | ML MortgageRancho Cucamonga, CA | C | 3.1% | 1,767 | 2.3% | 6.63% |
| 43 | Citadel ServicingIrvine, CA | B | 3.9% | 2,267 | 2.8% | 7.13% |
| 44 | AAA Capital InvestmentArcadia, CA | B | 3.6% | 1,576 | 3.1% | 6.75% |
| 45 | Alameda MortgageWalnut Creek, CA | B | 3.3% | 3,162 | 2.3% | 6.50% |
| 46 | Homeowners Financial Group USAScottadale, AZ | B | 4.8% | 660 | 2.6% | 6.25% |
| 47 | Unnamed lender 254900YZ174H294JW398 | A | 2.8% | 917 | 3.4% | 5.99% |
| 48 | Ameris BankAtlanta, GA | B | 10.5% | 588 | 3.2% | 6.13% |
| 49 | Watermark CapitalIrvine, CA | A | 4.5% | 323 | 3.7% | 6.63% |
| 50 | HightechlendingIrvine, CA | B | 3.9% | 643 | 3.4% | 6.50% |
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.
