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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Freedom Northwest Credit UnionKamiah, ID | A | 0.0% | 376 | 0.0% | — |
| 2 | Evergreen Moneysource MortgageBellevue, WA | B | 1.5% | 910 | 0.3% | 6.50% |
| 3 | Clm MortgageHouston, TX | A | 0.9% | 378 | 0.5% | 5.75% |
| 4 | Cornerstone Capital BankHouston, TX | A | 2.2% | 398 | 0.5% | 6.13% |
| 5 | Eagle Bank and TrustLittle Rock, AR | A | 4.9% | 484 | 0.8% | 6.25% |
| 6 | First Colony MortgageOrem, UT | A | 5.6% | 518 | 1.5% | 6.25% |
| 7 | Coastal Community BankEverett, WA | C | 3.0% | 460 | 1.7% | 10.49% |
| 8 | Canopy MortgageLindon, UT | B | 3.2% | 575 | 2.1% | 6.38% |
| 9 | CMG MortgageSan Ramon, CA | A | 5.6% | 1,087 | 2.5% | 6.63% |
| 10 | Waterstone MortgageBrookfield, WI | C | 4.7% | 429 | 3.0% | 6.25% |
| 11 | Premier Mortgage ResourcesMeridian, ID | B | 3.9% | 2,504 | 2.7% | 6.25% |
| 12 | Crosscountry MortgageCleveland, OH | B | 5.7% | 705 | 3.0% | 6.45% |
| 13 | Guild MortgageSan Diego, CA | A | 4.7% | 2,320 | 3.4% | 6.50% |
| 14 | American Pacific MortgageRoseville, CA | C | 10.3% | 904 | 4.4% | 6.50% |
| 15 | The Loan StoreSan Francisco, CA | B | 12.2% | 540 | 5.4% | 6.63% |
| 16 | Lennar MortgageMiami, FL | A | 16.3% | 561 | 5.4% | 4.88% |
| 17 | Movement MortgageLancaster, SC | A | 4.8% | 1,130 | 5.8% | 6.50% |
| 18 | Toll Brothers MortgageWilmington, DE | A | 10.5% | 752 | 6.3% | 6.00% |
| 19 | Planet Home LendingMeriden, CT | B | 17.5% | 498 | 6.4% | 6.50% |
| 20 | Synergy One LendingSan Diego, CA | C | 8.0% | 770 | 5.6% | 6.38% |
| 21 | Guaranteed RateChicago, IL | B | 9.2% | 984 | 5.3% | 6.58% |
| 22 | Fairway Independent MortgageMadison, WI | B | 6.1% | 993 | 6.5% | 6.49% |
| 23 | Pioneer Federal Credit UnionMountain Home, ID | B | 9.0% | 609 | 7.1% | 7.50% |
| 24 | Summit FundingSacramento, CA | C | 7.8% | 467 | 6.4% | 6.50% |
| 25 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 3,943 | 9.1% | 6.12% |
| 26 | Willamette Valley BankSalem, OR | C | 13.8% | 530 | 9.3% | 6.38% |
| 27 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 521 | 9.4% | 6.63% |
| 28 | Freedom MortgageBoca Raton, FL | B | 14.6% | 966 | 8.0% | 6.06% |
| 29 | Rocket MortgagePlymouth, MI | C | 19.9% | 4,391 | 13.3% | 6.63% |
| 30 | Potlatch No. 1 Financial Credit UnionLewiston, ID | C | 13.4% | 903 | 11.6% | 7.50% |
| 31 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 1,297 | 10.8% | 6.50% |
| 32 | Capital Educators Federal Credit UnionMeridian, ID | C | 16.0% | 567 | 13.4% | — |
| 33 | Nationstar MortgageCoppell, TX | C | 18.8% | 551 | 13.6% | 8.25% |
| 34 | Loandepot.ComIrvine, CA | D | 26.7% | 1,622 | 14.2% | 6.50% |
| 35 | D. L. Evans BankBurley, ID | D | 18.0% | 755 | 15.2% | — |
| 36 | Idaho Central Credit UnionChubbuck, ID | A | 17.8% | 15,644 | 16.5% | 7.00% |
| 37 | Kind LendingIrvine, CA | C | 27.2% | 793 | 16.0% | 6.50% |
| 38 | Glacier BankKalispell, MT | D | 20.1% | 1,507 | 14.5% | 6.88% |
| 39 | WESTMARK Credit UnionIdaho Falls, ID | B | 20.0% | 1,230 | 15.8% | 6.99% |
| 40 | First Federal Savings Bank of Twin FallsTwin Falls, ID | C | 19.3% | 1,250 | 14.2% | 6.92% |
| 41 | BeehiveRexburg, ID | C | 20.3% | 585 | 15.4% | 7.25% |
| 42 | Broker SolutionsTustin, CA | D | 18.0% | 729 | 10.3% | 6.75% |
| 43 | Zions BancorporationSalt Lake City, UT | B | 30.7% | 861 | 21.1% | 6.49% |
| 44 | AMERICA FIRST Federal Credit UnionRiverdale, UT | C | 22.5% | 451 | 21.7% | 6.99% |
| 45 | First Interstate BankBillings, MT | D | 29.4% | 351 | 21.7% | 8.25% |
| 46 | GoldenwestOgden, UT | B | 19.3% | 354 | 21.8% | 7.50% |
| 47 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 561 | 17.3% | 7.34% |
| 48 | NewrezWilmington, DE | D | 35.0% | 795 | 15.9% | 6.63% |
| 49 | Washington Trust BankSpokane, WA | D | 22.5% | 468 | 24.6% | 7.50% |
| 50 | Mortgage Research CenterColumbia, MO | C | 28.1% | 1,154 | 18.5% | 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.
