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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 Community BankEverett, WA | C | 3.0% | 594 | 0.8% | 9.74% |
| 2 | Movement MortgageLancaster, SC | A | 4.8% | 1,421 | 2.3% | 6.50% |
| 3 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 3.4% | 1,035 | 2.2% | 6.63% |
| 4 | Homestead FundingAlbany, NY | A | 2.4% | 486 | 2.7% | 6.38% |
| 5 | First World MortgageHartford, CT | A | 3.9% | 2,332 | 3.5% | 6.49% |
| 6 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 558 | 3.6% | 6.75% |
| 7 | Total Mortgage ServicesMilford, CT | B | 5.4% | 4,219 | 4.5% | 6.63% |
| 8 | Union Home MortgageStrongsville, OH | B | 6.7% | 469 | 5.1% | 6.63% |
| 9 | Guaranteed Rate AffinityChicago, IL | A | 6.8% | 836 | 4.9% | 6.63% |
| 10 | Fairway Independent MortgageMadison, WI | B | 6.1% | 995 | 6.1% | 6.63% |
| 11 | Prosperity Home MortgageFairfax, VA | A | 7.8% | 1,163 | 6.3% | 6.63% |
| 12 | Crosscountry MortgageCleveland, OH | B | 5.7% | 1,935 | 5.8% | 6.75% |
| 13 | Newtown Savings BankNewtown, CT | B | 8.4% | 1,059 | 6.5% | 6.38% |
| 14 | T2 FinancialWesterville, OH | B | 6.8% | 578 | 7.6% | 6.75% |
| 15 | CMG MortgageSan Ramon, CA | A | 5.6% | 2,215 | 7.5% | 6.63% |
| 16 | Members Mortgage CompanyStoneham, MA | B | 9.2% | 504 | 7.1% | 5.88% |
| 17 | Liberty BankMiddletown, CT | A | 10.2% | 3,513 | 9.5% | 5.99% |
| 18 | Guaranteed RateChicago, IL | B | 9.2% | 1,506 | 7.4% | 6.63% |
| 19 | Chelsea Groton BankGroton, CT | B | 11.2% | 593 | 9.8% | 6.49% |
| 20 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 1,804 | 8.9% | 6.38% |
| 21 | Loan FunderNew York, NY | F | 21.5% | 570 | 7.7% | 8.01% |
| 22 | Norwich Commercial GroupAvon, CT | C | 13.9% | 631 | 9.7% | 6.38% |
| 23 | Unnamed lender 254900C1CRYSCHG38F20 | C | 13.2% | 385 | 12.5% | 6.75% |
| 24 | William Raveis MortgageWilmington, DE | C | 13.3% | 802 | 11.1% | 6.50% |
| 25 | Homebridge Financial ServicesIselin, NJ | B | 18.5% | 473 | 11.2% | 10.10% |
| 26 | Charter Oak Federal Credit UnionWaterford, CT | B | 14.8% | 1,015 | 12.7% | 6.50% |
| 27 | Thomaston Savings BankThomaston, CT | C | 15.4% | 832 | 13.8% | 7.13% |
| 28 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 4,239 | 13.7% | 6.50% |
| 29 | Union Savings BankDanbury, CT | A | 16.5% | 916 | 14.0% | 5.49% |
| 30 | Ion BankNaugatuck, | D | 19.7% | 534 | 15.0% | — |
| 31 | Champions FundingGilbert, AZ | F | 26.5% | 425 | 14.8% | 7.75% |
| 32 | Rocket MortgagePlymouth, MI | C | 19.9% | 6,043 | 16.5% | 6.75% |
| 33 | Freedom MortgageBoca Raton, FL | B | 14.6% | 1,645 | 9.5% | 6.25% |
| 34 | U.S. BankCincinnati, OH | D | 39.5% | 1,758 | 16.0% | 6.38% |
| 35 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 1,583 | 12.8% | 6.50% |
| 36 | Nationstar MortgageCoppell, TX | C | 18.8% | 963 | 16.8% | 7.75% |
| 37 | Sofi BankCottonwood Heights, UT | D | 23.4% | 829 | 9.2% | 7.88% |
| 38 | AMERICAN EAGLE FINANCIAL Credit UnionEast Hartford, CT | D | 21.4% | 2,463 | 18.9% | 7.75% |
| 39 | Wells Fargo BankCharlotte, NC | B | 22.2% | 736 | 15.2% | 6.13% |
| 40 | Connecticut State EmployeesHartford, CT | C | 23.1% | 444 | 19.1% | 5.80% |
| 41 | The Torrington Savings BankTorrington, CT | C | 23.4% | 368 | 19.3% | 6.25% |
| 42 | Sikorsky Financial Credit UnionStratford, CT | D | 23.5% | 1,836 | 20.4% | 7.24% |
| 43 | 360 Federal Credit UnionWindsor Locks, CT | D | 25.3% | 332 | 22.3% | — |
| 44 | Kind LendingIrvine, CA | C | 27.2% | 414 | 23.7% | 6.88% |
| 45 | CitibankSioux Falls, SD | B | 24.0% | 598 | 16.2% | 6.13% |
| 46 | Webster BankStamford, CT | C | 27.1% | 2,762 | 21.9% | 6.74% |
| 47 | Mortgage Research CenterColumbia, MO | C | 28.1% | 1,284 | 17.7% | 6.25% |
| 48 | Mutual of Omaha MortgageSan Diego, CA | C | 22.6% | 617 | 21.4% | 6.49% |
| 49 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 1,609 | 20.0% | 7.65% |
| 50 | Broker SolutionsTustin, CA | D | 18.0% | 1,611 | 13.2% | 6.75% |
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.
