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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Group MortgageFort Collins, CO | A | 0.3% | 424 | 0.2% | 6.38% |
| 2 | Flat Branch MortgageColumbia, MO | A | 1.2% | 392 | 0.3% | 6.25% |
| 3 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 4.6% | 413 | 0.2% | 6.63% |
| 4 | First Western Trust BankDenver, CO | A | 0.7% | 882 | 0.3% | 6.25% |
| 5 | Swbc MortgageSan Antonio, TX | A | 4.0% | 635 | 0.6% | 6.63% |
| 6 | NFMLinthicum, MD | A | 2.3% | 802 | 0.6% | 6.25% |
| 7 | Nest Home LendingBoulder, CO | A | 0.8% | 716 | 0.8% | 4.99% |
| 8 | V.i.p. MortgageScottsdale, AZ | B | 3.1% | 1,426 | 0.8% | 6.50% |
| 9 | Primary Residential MortgageSalt Lake City, UT | C | 7.4% | 492 | 0.8% | 6.50% |
| 10 | The Central Trust BankJefferson City, MO | C | 10.4% | 978 | 1.5% | 6.50% |
| 11 | Cornerstone Capital BankHouston, TX | A | 2.2% | 749 | 1.6% | 6.50% |
| 12 | Megastar FinancialDenver, CO | A | 2.3% | 730 | 1.5% | 6.50% |
| 13 | Morgan Stanley Private BankNew York, NY | A | 4.9% | 536 | 1.9% | 5.85% |
| 14 | Coastal Community BankEverett, WA | C | 3.0% | 2,229 | 1.6% | 9.99% |
| 15 | Keystone FundingDover, DE | A | 3.9% | 609 | 2.3% | 6.25% |
| 16 | Sunflower BankDallas, TX | B | 5.8% | 783 | 1.8% | 6.38% |
| 17 | American Liberty MortgageDenver, CO | B | 3.3% | 466 | 1.9% | 6.50% |
| 18 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 1,255 | 2.2% | 6.63% |
| 19 | Unnamed lender 254900RNV63A0TIZNK90 | B | 3.4% | 686 | 2.6% | 6.63% |
| 20 | Movement MortgageLancaster, SC | A | 4.8% | 1,301 | 2.8% | 6.63% |
| 21 | Luminate BankMinneapolis, MN | B | 4.3% | 783 | 2.6% | 6.49% |
| 22 | Charles Schwab BankWestlake, TX | A | 5.2% | 333 | 3.6% | 5.60% |
| 23 | Synergy One LendingSan Diego, CA | C | 8.0% | 895 | 2.9% | 6.50% |
| 24 | Guild MortgageSan Diego, CA | A | 4.7% | 6,232 | 3.1% | 6.62% |
| 25 | Zillow Home LoansIrvine, CA | B | 7.4% | 839 | 3.2% | 6.38% |
| 26 | CMG MortgageSan Ramon, CA | A | 5.6% | 2,947 | 3.2% | 6.50% |
| 27 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 383 | 3.7% | 6.50% |
| 28 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 6.0% | 640 | 3.8% | 6.50% |
| 29 | ResicentralLarkspur, CA | B | 5.2% | 573 | 3.5% | 6.25% |
| 30 | Crosscountry MortgageCleveland, OH | B | 5.7% | 3,804 | 3.6% | 6.58% |
| 31 | Kiavi FundingWilmington, DE | D | 11.1% | 393 | 4.1% | 9.95% |
| 32 | Taylor Morrison Home FundingMaitland, FL | A | 15.6% | 443 | 4.1% | 5.00% |
| 33 | Plains Commerce BankSioux Falls, SD | B | 10.0% | 756 | 3.6% | 6.38% |
| 34 | Everett FinancialDallas, | C | 8.9% | 940 | 2.9% | 6.63% |
| 35 | Kbhs Home LoansIrving, TX | B | 9.8% | 463 | 4.1% | 5.13% |
| 36 | Union Home MortgageStrongsville, OH | B | 6.7% | 958 | 4.6% | 6.38% |
| 37 | Paramount Residential Mortgage GroupCorona, CA | B | 5.0% | 1,120 | 4.1% | 6.50% |
| 38 | Guaranteed Rate AffinityChicago, IL | A | 6.8% | 803 | 4.2% | 6.25% |
| 39 | Guaranteed RateChicago, IL | B | 9.2% | 3,822 | 3.7% | 6.45% |
| 40 | OriginPointChicago, IL | B | 5.3% | 592 | 4.4% | 6.38% |
| 41 | Loan SimpleEnglewood, CO | D | 8.7% | 1,371 | 4.7% | 6.63% |
| 42 | Fairway Independent MortgageMadison, WI | B | 6.1% | 3,299 | 5.1% | 6.63% |
| 43 | Inspire Home LoansNewport Beach, CA | B | 11.9% | 575 | 6.4% | 4.88% |
| 44 | Northpointe BankGrand Rapids, MI | C | 10.4% | 733 | 4.9% | 6.63% |
| 45 | Provident Funding AssociatesSanta Rosa, CA | A | 9.4% | 985 | 5.1% | 6.38% |
| 46 | Jet HomeloansJacksonville, FL | A | 6.0% | 615 | 4.1% | 4.99% |
| 47 | Lennar MortgageMiami, FL | A | 16.3% | 1,693 | 6.3% | 3.99% |
| 48 | LowerColumbia, MD | C | 13.9% | 1,659 | 6.3% | 6.50% |
| 49 | Air Academy Federal Credit UnionColorado Springs, CO | B | 9.0% | 459 | 7.6% | 5.99% |
| 50 | Nova Financial & InvestmentTucson, AZ | C | 18.3% | 616 | 8.1% | 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.
