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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | CMG MortgageSan Ramon, CA | A | 5.6% | 438 | 1.6% | 6.63% |
| 2 | Pike Creek Mortgage ServicesNewark, DE | B | 4.1% | 1,383 | 2.2% | 6.38% |
| 3 | Meridian BankMalvern, PA | B | 4.1% | 790 | 2.4% | 6.25% |
| 4 | Fairway Independent MortgageMadison, WI | B | 6.1% | 374 | 3.5% | 6.63% |
| 5 | Keystone FundingDover, DE | A | 3.9% | 692 | 4.5% | 6.25% |
| 6 | Movement MortgageLancaster, SC | A | 4.8% | 374 | 5.6% | 6.50% |
| 7 | Guild MortgageSan Diego, CA | A | 4.7% | 728 | 5.6% | 6.50% |
| 8 | Prosperity Home MortgageFairfax, VA | A | 7.8% | 515 | 5.6% | 6.49% |
| 9 | Crosscountry MortgageCleveland, OH | B | 5.7% | 614 | 5.2% | 6.63% |
| 10 | K. Hovnanian American MortgagePerth Amboy, FL | B | 15.0% | 459 | 6.5% | 6.63% |
| 11 | Lennar MortgageMiami, FL | A | 16.3% | 630 | 8.7% | 6.38% |
| 12 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 474 | 8.7% | 6.25% |
| 13 | Freedom MortgageBoca Raton, FL | B | 14.6% | 804 | 8.2% | 6.19% |
| 14 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 364 | 12.4% | 6.25% |
| 15 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 1,408 | 13.0% | 6.13% |
| 16 | Rocket MortgagePlymouth, MI | C | 19.9% | 2,381 | 15.5% | 6.88% |
| 17 | Loandepot.ComIrvine, CA | D | 26.7% | 835 | 15.3% | 6.88% |
| 18 | Wilmington Savings Fund SocietyWilmington, DE | B | 18.3% | 1,801 | 16.6% | 7.25% |
| 19 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 1,056 | 11.7% | 6.62% |
| 20 | NVR Mortgage FinanceReston, VA | B | 20.7% | 1,414 | 18.7% | 6.63% |
| 21 | Fulton BankLancaster, PA | C | 23.0% | 467 | 20.1% | 6.49% |
| 22 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 743 | 19.0% | 7.75% |
| 23 | PNC BankWilmington, DE | D | 33.8% | 1,492 | 25.1% | 7.50% |
| 24 | Citizens BankProvidence, RI | C | 32.5% | 1,633 | 29.3% | 7.65% |
| 25 | Manufacturers and Traders TrustBuffalo, NY | C | 33.0% | 1,337 | 32.5% | 5.99% |
| 26 | NewrezWilmington, DE | D | 35.0% | 1,127 | 18.4% | 6.50% |
| 27 | Mortgage Research CenterColumbia, MO | C | 28.1% | 563 | 21.7% | 6.13% |
| 28 | Bank of AmericaCharlotte, NC | F | 44.7% | 714 | 29.4% | 6.24% |
| 29 | TD BankWilmington, DE | D | 35.3% | 479 | 30.5% | 7.67% |
| 30 | Del-One Federal Credit UnionDover, DE | D | 43.8% | 1,070 | 41.3% | 7.00% |
| 31 | Spring EqConshohocken, PA | D | 61.9% | 538 | 49.3% | 10.03% |
| 32 | AmeriSave MortgageSandy Springs, GA | D | 70.0% | 562 | 58.9% | 8.25% |
| 33 | Vanderbilt Mortgage and FinanceMaryville, TN | F | 67.8% | 757 | 51.0% | 10.87% |
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.
