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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | 212 Loans, LLC.San Antonio, TX | A | 0.0% | 351 | 0.0% | 11.99% |
| 2 | Dominion Financial ServicesBaltimore, MD | A | 0.0% | 436 | 0.0% | 9.50% |
| 3 | Easy Street CapitalAustin, TX | A | 0.0% | 590 | 0.0% | 9.90% |
| 4 | Rf Renovo Management CompanyChicago, IL | B | 0.3% | 824 | 0.2% | 9.50% |
| 5 | Velocity Commercial CapitalWestlake Village, CA | B | 1.2% | 980 | 0.3% | 9.87% |
| 6 | My MortgageCrofton, MD | C | 2.2% | 980 | 1.6% | 6.75% |
| 7 | ServisFirst BankBirmingham, AL | A | 3.8% | 537 | 2.2% | 6.63% |
| 8 | The Mortgage FirmAltamonte Springs, FL | B | 3.0% | 3,652 | 2.4% | 6.75% |
| 9 | LoanpeopleAustin, TX | B | 4.2% | 597 | 2.2% | 6.50% |
| 10 | M/i FinancialColumbus, OH | A | 2.8% | 1,518 | 3.2% | 5.50% |
| 11 | Lakeview Community CapitalTucson, AZ | A | 1.7% | 659 | 3.5% | 6.25% |
| 12 | Coastal Community BankEverett, WA | C | 3.0% | 12,416 | 2.3% | 9.99% |
| 13 | University BankAnn Arbor, MI | A | 4.9% | 1,321 | 3.1% | 6.38% |
| 14 | NFMLinthicum, MD | A | 2.3% | 2,591 | 3.2% | 6.25% |
| 15 | Van Dyk MortgageGrand Rapids, MI | B | 3.0% | 1,050 | 2.6% | 6.63% |
| 16 | Lendsure MortgageSan Diego, CA | B | 3.3% | 742 | 3.2% | 7.50% |
| 17 | Point MortgageCoral Gables, FL | B | 2.6% | 984 | 3.5% | 6.99% |
| 18 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 3.4% | 1,511 | 2.5% | 6.63% |
| 19 | Jet HomeloansJacksonville, FL | A | 6.0% | 1,859 | 3.1% | 4.99% |
| 20 | Towne MortgageTroy, MI | B | 4.4% | 983 | 3.6% | 6.25% |
| 21 | Citadel ServicingIrvine, CA | B | 3.9% | 2,110 | 4.0% | 7.38% |
| 22 | Success Mortgage PartnersPlymouth, MI | B | 2.7% | 582 | 3.4% | 6.63% |
| 23 | Firstbank Puerto RicoSan Juan, | C | 23.3% | 375 | 4.0% | 6.38% |
| 24 | Absolute Home MortgageFairfield, NJ | C | 5.2% | 494 | 3.4% | 6.62% |
| 25 | Affordable Mortgage Advisors, LLC.Pittsburgh, PA | B | 2.4% | 633 | 3.6% | 6.63% |
| 26 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 1,051 | 4.2% | 6.50% |
| 27 | Geneva FinancialChandler, AZ | C | 3.1% | 607 | 3.8% | 7.00% |
| 28 | Cornerstone First MortgageSan Diego, CA | C | 4.3% | 2,267 | 3.8% | 6.88% |
| 29 | Swbc MortgageSan Antonio, TX | A | 4.0% | 469 | 4.1% | 6.63% |
| 30 | Mortgage Equity PartnersLynnfield, MA | B | 5.5% | 469 | 4.5% | 6.75% |
| 31 | American Bancshares MortgageMiami Lakes, FL | C | 5.5% | 534 | 3.8% | 6.88% |
| 32 | Nationwide Mortgage BankersLebanon, NJ | C | 3.9% | 646 | 5.0% | 6.75% |
| 33 | Trailblazer MortgageOrlando, FL | B | 5.5% | 1,067 | 4.2% | 3.99% |
| 34 | Movement MortgageLancaster, SC | A | 4.8% | 6,011 | 5.0% | 6.63% |
| 35 | Rmc Home MortgageWexford, PA | B | 5.6% | 1,539 | 4.7% | 6.38% |
| 36 | Jmac LendingSanta Ana, CA | C | 5.7% | 1,898 | 4.4% | 6.50% |
| 37 | Oaktree FundingChandler, AZ | C | 6.0% | 380 | 5.5% | 7.75% |
| 38 | Bell BankFargo, ND | A | 7.1% | 540 | 5.0% | 6.63% |
| 39 | Builders Choice MortgageBoca Raton, FL | C | 5.3% | 423 | 4.7% | 6.75% |
| 40 | Coastal LoansOrlando, FL | B | 6.3% | 1,031 | 5.3% | 4.99% |
| 41 | Embrace Home LoansMiddletown, RI | A | 6.0% | 818 | 5.5% | 6.49% |
| 42 | Waterstone MortgageBrookfield, WI | C | 4.7% | 1,164 | 5.0% | 6.63% |
| 43 | Citizens First BankMiddleton, FL | B | 6.5% | 2,933 | 5.4% | 6.88% |
| 44 | Gershman InvestmentChesterfield, MO | B | 7.7% | 606 | 5.1% | 6.63% |
| 45 | Click n' CloseAddison, TX | C | 7.3% | 2,914 | 5.2% | 7.25% |
| 46 | Alkan MortgageLake Mary, FL | C | 6.7% | 914 | 5.1% | 6.75% |
| 47 | FlexPointLas Vegas, NV | C | 4.8% | 638 | 4.6% | 7.25% |
| 48 | First Heritage MortgageFairfax, VA | A | 4.2% | 742 | 6.1% | 4.99% |
| 49 | ResicentralLarkspur, CA | B | 5.2% | 1,038 | 5.3% | 6.38% |
| 50 | Fbc MortgageOrlando, FL | B | 6.6% | 4,011 | 5.6% | 6.13% |
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.
