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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | First Savings MortgageMclean, VA | A | 1.0% | 544 | 0.9% | 6.50% |
| 2 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 459 | 7.6% | 6.38% |
| 3 | CitibankSioux Falls, SD | B | 24.0% | 417 | 9.6% | 6.00% |
| 4 | Rocket MortgagePlymouth, MI | C | 19.9% | 671 | 20.7% | 6.63% |
| 5 | PNC BankWilmington, DE | D | 33.8% | 467 | 31.5% | 6.25% |
| 6 | Bank of AmericaCharlotte, NC | F | 44.7% | 546 | 33.2% | 5.99% |
| 7 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 786 | 28.5% | 7.75% |
| 8 | Truist BankCharlotte, NC | C | 40.8% | 529 | 41.2% | 6.25% |
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.
