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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Citadel ServicingIrvine, CA | B | 3.9% | 320 | 1.6% | 7.25% |
| 2 | CMG MortgageSan Ramon, CA | A | 5.6% | 621 | 4.0% | 6.50% |
| 3 | Guaranteed RateChicago, IL | B | 9.2% | 766 | 5.4% | 6.50% |
| 4 | Guild MortgageSan Diego, CA | A | 4.7% | 488 | 7.2% | 6.62% |
| 5 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 368 | 9.8% | 5.50% |
| 6 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 1,710 | 11.1% | 6.13% |
| 7 | The Loan StoreSan Francisco, CA | B | 12.2% | 505 | 12.1% | 6.63% |
| 8 | Freedom MortgageBoca Raton, FL | B | 14.6% | 924 | 10.8% | 5.75% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 793 | 15.5% | 6.13% |
| 10 | Mortgage Research CenterColumbia, MO | C | 28.1% | 695 | 14.7% | 6.13% |
| 11 | First Hawaiian BankHonolulu, HI | B | 24.2% | 2,740 | 19.4% | 5.87% |
| 12 | Rocket MortgagePlymouth, MI | C | 19.9% | 1,637 | 22.4% | 6.63% |
| 13 | Loandepot.ComIrvine, CA | D | 26.7% | 521 | 21.1% | 6.63% |
| 14 | NewrezWilmington, DE | D | 35.0% | 891 | 16.5% | 6.25% |
| 15 | Aloha Pacific Federal Credit UnionHonolulu, HI | B | 32.7% | 327 | 28.1% | 5.75% |
| 16 | Hawaii State Federal Credit UnionHonolulu, HI | C | 33.2% | 1,418 | 30.0% | 5.90% |
| 17 | Bank of HawaiiHonolulu, HI | C | 33.7% | 3,679 | 27.8% | 6.00% |
| 18 | American Savings BankHonolulu, HI | C | 37.1% | 2,479 | 34.5% | 5.65% |
| 19 | Central Pacific BankHonolulu, HI | C | 40.8% | 1,519 | 33.6% | 6.13% |
| 20 | Hawaiiusa Federal Credit UnionHonolulu, HI | C | 42.6% | 1,833 | 38.1% | 5.65% |
| 21 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 985 | 30.2% | 8.10% |
| 22 | AmeriSave MortgageSandy Springs, GA | D | 70.0% | 352 | 64.5% | 8.63% |
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.
