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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | A & N Mortgage ServicesSpringfield, IL | A | 0.0% | 1,332 | 0.0% | 6.63% |
| 2 | Rf Renovo Management CompanyChicago, IL | B | 0.3% | 761 | 0.4% | 9.99% |
| 3 | Morgan Stanley Private BankNew York, NY | A | 4.9% | 463 | 1.5% | 6.05% |
| 4 | Flat Branch MortgageColumbia, MO | A | 1.2% | 2,088 | 1.6% | 6.63% |
| 5 | The Fisher National BankFisher, | A | 2.3% | 324 | 1.9% | — |
| 6 | Select Lending ServicesLake Oswego, OR | B | 4.5% | 366 | 1.6% | 6.75% |
| 7 | Point MortgageCoral Gables, FL | B | 2.6% | 612 | 1.8% | 6.63% |
| 8 | Longview BankOgden, IL | A | 2.1% | 438 | 2.3% | 6.25% |
| 9 | Compass MortgageWinfield, IL | B | 2.4% | 1,456 | 2.0% | 6.75% |
| 10 | Affordable Mortgage Advisors, LLC.Pittsburgh, PA | B | 2.4% | 449 | 2.0% | 6.75% |
| 11 | Delmar FinancialSaint Louis, MO | A | 1.5% | 850 | 2.1% | 6.63% |
| 12 | United Home LoansWestern, IL | B | 2.7% | 603 | 2.2% | 6.63% |
| 13 | First State Mortgage ServicesBloomington, IL | A | 2.5% | 1,359 | 2.4% | 6.63% |
| 14 | Towne MortgageTroy, MI | B | 4.4% | 1,273 | 2.7% | 6.63% |
| 15 | Bay EquityCorte Madera, CA | B | 4.9% | 671 | 2.1% | 6.75% |
| 16 | Central Bank IllinoisGeneseo, IL | A | 3.1% | 366 | 2.7% | — |
| 17 | Mld MortgageFlorham Park, NJ | A | 3.0% | 1,406 | 2.6% | 6.63% |
| 18 | Coastal Community BankEverett, WA | C | 3.0% | 4,874 | 2.4% | 10.49% |
| 19 | Key Mortgage ServicesSchaumburg, IL | A | 3.3% | 1,767 | 2.9% | 6.75% |
| 20 | DAS Acquisition CompanySt. Louis, MO | B | 3.0% | 367 | 3.3% | 6.75% |
| 21 | OriginPointChicago, IL | B | 5.3% | 2,776 | 2.4% | 6.63% |
| 22 | Prairie State Bank and TrustSpringfield, IL | A | 3.9% | 353 | 4.0% | 6.63% |
| 23 | M/i FinancialColumbus, OH | A | 2.8% | 726 | 3.7% | 5.88% |
| 24 | Endeavor Capital, LLC.Chesterfield, MO | C | 5.0% | 651 | 3.2% | 6.63% |
| 25 | Envoy MortgageHouston, TX | D | 22.7% | 362 | 3.9% | 6.88% |
| 26 | Guidance ResidentialReston, VA | B | 3.1% | 472 | 3.4% | 6.88% |
| 27 | INBSpringfield, IL | B | 5.0% | 1,102 | 4.1% | 6.63% |
| 28 | T2 FinancialWesterville, OH | B | 6.8% | 374 | 4.3% | 6.63% |
| 29 | Prosperity Home MortgageFairfax, VA | A | 7.8% | 763 | 4.2% | 6.63% |
| 30 | Ixonia BankIxonia, WI | C | 4.7% | 824 | 3.9% | 6.88% |
| 31 | Bank of SpringfieldSpringfield, IL | B | 7.7% | 904 | 5.3% | 6.75% |
| 32 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 372 | 5.1% | 6.63% |
| 33 | Carrollton BankCarrollton, IL | A | 7.4% | 720 | 5.8% | 6.75% |
| 34 | Crosscountry MortgageCleveland, OH | B | 5.7% | 8,779 | 4.5% | 6.75% |
| 35 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 820 | 5.7% | 6.75% |
| 36 | Guild MortgageSan Diego, CA | A | 4.7% | 4,009 | 5.6% | 6.63% |
| 37 | ResicentralLarkspur, CA | B | 5.2% | 885 | 5.7% | 6.63% |
| 38 | Abbott Laboratories Employees Credit UnionGurnee, IL | C | 8.8% | 460 | 5.0% | — |
| 39 | Barrington Bank & Trust CompanyBarrington, IL | C | 9.1% | 3,980 | 5.4% | 6.63% |
| 40 | Union Home MortgageStrongsville, OH | B | 6.7% | 2,224 | 5.9% | 6.63% |
| 41 | First State BankMendota, IL | B | 7.3% | 450 | 6.7% | 6.95% |
| 42 | Guaranteed RateChicago, IL | B | 9.2% | 17,479 | 4.9% | 6.63% |
| 43 | Fairway Independent MortgageMadison, WI | B | 6.1% | 6,151 | 6.0% | 6.88% |
| 44 | Alliance Community BankPetersburg, IL | B | 7.9% | 346 | 7.8% | — |
| 45 | Zillow Home LoansIrvine, CA | B | 7.4% | 614 | 6.2% | 6.63% |
| 46 | Lennar MortgageMiami, FL | A | 16.3% | 1,245 | 7.0% | 5.50% |
| 47 | The Loan StoreSan Francisco, CA | B | 12.2% | 2,236 | 7.7% | 6.75% |
| 48 | American Pacific MortgageRoseville, CA | C | 10.3% | 3,209 | 6.9% | 6.75% |
| 49 | HeartlandSpringfield, IL | A | 8.5% | 482 | 7.5% | 7.00% |
| 50 | GREENSTATE Credit UnionNorth Liberty, IA | B | 10.1% | 5,658 | 7.1% | 6.75% |
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.
