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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | General Mortgage CapitalBurlingame, CA | A | 1.4% | 360 | 0.6% | 6.50% |
| 2 | Mortgage AssuranceAlpharetta, GA | B | 0.5% | 524 | 0.6% | 6.25% |
| 3 | BoxCar MortgageAtlanta, GA | A | 3.5% | 1,508 | 1.1% | 6.49% |
| 4 | Georgia Community BankDawson, GA | A | 1.3% | 365 | 1.4% | — |
| 5 | Lakeview Community CapitalTucson, AZ | A | 1.7% | 360 | 1.4% | 6.25% |
| 6 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 547 | 1.1% | 6.38% |
| 7 | Success Mortgage PartnersPlymouth, MI | B | 2.7% | 449 | 1.3% | 6.63% |
| 8 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 1.9% | 1,018 | 1.6% | 6.50% |
| 9 | Canopy MortgageLindon, UT | B | 3.2% | 2,253 | 1.7% | 6.25% |
| 10 | Southeast Mortgage of GeorgiaDuluth, GA | B | 3.0% | 1,833 | 2.1% | 6.50% |
| 11 | First Option MortgageAtlanta, GA | C | 3.9% | 1,202 | 2.7% | 7.00% |
| 12 | Citadel ServicingIrvine, CA | B | 3.9% | 427 | 3.3% | 7.75% |
| 13 | Coastal Community BankEverett, WA | C | 3.0% | 2,878 | 2.7% | 10.49% |
| 14 | Emm LoansCherry Hill, NJ | B | 4.8% | 454 | 3.5% | 6.63% |
| 15 | Onward Home MortgageRoswell, GA | B | 4.5% | 911 | 2.6% | 6.50% |
| 16 | Premier Mortgage ResourcesMeridian, ID | B | 3.9% | 812 | 3.0% | 6.63% |
| 17 | Capital City Home LoansMarietta, GA | C | 6.6% | 1,095 | 3.7% | 6.63% |
| 18 | Banksouth Mortgage CompanyGreensboro, GA | A | 4.7% | 2,387 | 3.9% | 6.25% |
| 19 | NFMLinthicum, MD | A | 2.3% | 720 | 3.5% | 6.75% |
| 20 | Towne MortgageTroy, MI | B | 4.4% | 846 | 4.5% | 6.49% |
| 21 | First Heritage MortgageFairfax, VA | A | 4.2% | 555 | 4.1% | 6.25% |
| 22 | Paramount Residential Mortgage GroupCorona, CA | B | 5.0% | 1,398 | 3.7% | 6.50% |
| 23 | AcopiaGoodlettsville, TN | A | 4.1% | 921 | 4.2% | 6.38% |
| 24 | Cornerstone First MortgageSan Diego, CA | C | 4.3% | 501 | 3.6% | 6.63% |
| 25 | Fairway Independent MortgageMadison, WI | B | 6.1% | 5,147 | 3.8% | 6.63% |
| 26 | Trailblazer MortgageOrlando, FL | B | 5.5% | 1,251 | 3.6% | 4.99% |
| 27 | Colony BankFitzgerald, GA | B | 4.8% | 1,182 | 4.5% | 6.50% |
| 28 | Morgan Stanley Private BankNew York, NY | A | 4.9% | 421 | 4.8% | 5.90% |
| 29 | Homeowners Financial Group USAScottadale, AZ | B | 4.8% | 1,470 | 4.0% | 6.50% |
| 30 | Movement MortgageLancaster, SC | A | 4.8% | 3,494 | 4.9% | 6.50% |
| 31 | PrimeSouth BankBlackshear, GA | C | 5.9% | 358 | 6.2% | 7.50% |
| 32 | Guild MortgageSan Diego, CA | A | 4.7% | 5,377 | 5.2% | 6.25% |
| 33 | Farmers & Merchants BankLakeland, GA | A | 6.3% | 339 | 6.2% | — |
| 34 | Plains Commerce BankSioux Falls, SD | B | 10.0% | 651 | 4.5% | 6.50% |
| 35 | Swbc MortgageSan Antonio, TX | A | 4.0% | 900 | 5.3% | 6.50% |
| 36 | First Colony MortgageOrem, UT | A | 5.6% | 477 | 5.0% | 6.50% |
| 37 | Magnolia BankHodgenville, KY | C | 10.3% | 899 | 6.1% | 6.25% |
| 38 | Shelter Home MortgageAtlanta, GA | C | 7.4% | 495 | 4.9% | 6.63% |
| 39 | AMWEST FundingBrea, CA | C | 8.2% | 873 | 4.9% | 6.88% |
| 40 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 6.0% | 702 | 5.8% | 7.75% |
| 41 | CMG MortgageSan Ramon, CA | A | 5.6% | 1,447 | 5.6% | 6.50% |
| 42 | First Federal BankLake City, FL | B | 13.5% | 625 | 5.4% | 6.50% |
| 43 | Zillow Home LoansIrvine, CA | B | 7.4% | 1,604 | 5.8% | 6.50% |
| 44 | City National Bank of FloridaMiami, FL | B | 10.7% | 422 | 5.7% | 6.38% |
| 45 | Provident Funding AssociatesSanta Rosa, CA | A | 9.4% | 919 | 5.7% | 6.38% |
| 46 | Crosscountry MortgageCleveland, OH | B | 5.7% | 6,148 | 5.2% | 6.63% |
| 47 | First Community MortgageMurfreesboro, TN | A | 7.1% | 725 | 7.0% | 6.63% |
| 48 | Summit FundingSacramento, CA | C | 7.8% | 605 | 5.6% | 6.88% |
| 49 | US MortgageHuntington, NY | C | 8.0% | 681 | 7.1% | 6.75% |
| 50 | Queensborough National Bank & TrustLouisville, GA | B | 7.8% | 441 | 7.7% | 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.
