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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Flat Branch MortgageColumbia, MO | A | 1.2% | 358 | 0.3% | 6.56% |
| 2 | Ruhl MortgageMoline, IL | A | 0.9% | 486 | 0.6% | 6.25% |
| 3 | Residential Mortgage NetworkIowa City, IA | A | 0.9% | 598 | 0.8% | 6.50% |
| 4 | Coastal Community BankEverett, WA | C | 3.0% | 895 | 1.3% | 10.99% |
| 5 | Guild MortgageSan Diego, CA | A | 4.7% | 711 | 2.1% | 6.63% |
| 6 | Fidelity BankThomson, IL | A | 2.6% | 383 | 2.4% | — |
| 7 | Luana Savings BankLuana, IA | A | 2.8% | 706 | 2.7% | 6.13% |
| 8 | Homeservices LendingUrbandale, IA | B | 3.2% | 639 | 2.8% | 6.50% |
| 9 | West Gate BankLincoln, NE | A | 4.8% | 501 | 3.4% | 6.38% |
| 10 | Fidelity Bank & TrustDubuque, IA | A | 4.5% | 772 | 3.4% | 5.95% |
| 11 | PrimebankLe Mars, IA | A | 4.2% | 317 | 3.8% | — |
| 12 | Fairway Independent MortgageMadison, WI | B | 6.1% | 428 | 3.5% | 6.75% |
| 13 | Gershman InvestmentChesterfield, MO | B | 7.7% | 516 | 4.5% | 6.38% |
| 14 | Central BankStorm Lake, IA | A | 5.5% | 1,121 | 4.5% | 6.63% |
| 15 | CMG MortgageSan Ramon, CA | A | 5.6% | 683 | 4.4% | 6.63% |
| 16 | Availa BankCarroll, IA | C | 5.3% | 345 | 5.2% | — |
| 17 | Northwest BankSpencer, IA | A | 6.0% | 2,181 | 5.7% | 6.38% |
| 18 | Hills Bank and TrustHills, IA | A | 6.6% | 3,434 | 6.1% | 6.25% |
| 19 | GREENSTATE Credit UnionNorth Liberty, IA | B | 10.1% | 13,829 | 5.9% | 6.50% |
| 20 | LowerColumbia, MD | C | 13.9% | 650 | 5.5% | 6.75% |
| 21 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 10.8% | 346 | 6.7% | 7.25% |
| 22 | Farmers State BankWaterloo, IA | B | 7.5% | 509 | 7.5% | 6.75% |
| 23 | Bankers TrustDes Moines, IA | B | 9.2% | 734 | 8.0% | 6.38% |
| 24 | Guaranteed RateChicago, IL | B | 9.2% | 1,023 | 6.7% | 6.50% |
| 25 | Broker SolutionsTustin, CA | D | 18.0% | 2,386 | 6.4% | 6.75% |
| 26 | Bank IowaWest Des Moines, IA | C | 10.7% | 929 | 9.7% | 7.05% |
| 27 | Veridian Credit UnionWaterloo, IA | B | 11.2% | 8,725 | 8.9% | 6.49% |
| 28 | Barrington Bank & Trust CompanyBarrington, IL | C | 9.1% | 480 | 8.8% | 6.63% |
| 29 | I. H. Mississippi Valley Credit UnionMoline, IL | B | 14.5% | 434 | 9.9% | 6.25% |
| 30 | CBI Bank & TrustMuscatine, IA | C | 13.8% | 399 | 11.0% | 7.00% |
| 31 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 991 | 10.5% | 5.38% |
| 32 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 1,950 | 11.5% | 6.13% |
| 33 | Premier Credit UnionDes Moines, IA | A | 13.8% | 742 | 12.1% | 7.00% |
| 34 | American Pacific MortgageRoseville, CA | C | 10.3% | 428 | 12.9% | 6.75% |
| 35 | Community Choice Credit UnionJohnston, IA | B | 15.1% | 2,653 | 11.8% | 6.13% |
| 36 | Community 1st Credit UnionOttumwa, IA | D | 15.5% | 1,389 | 12.5% | 1.00% |
| 37 | Iowa Bankers MortgageJohnston, IA | B | 16.4% | 2,423 | 15.4% | 6.50% |
| 38 | MidWestOne BankIowa City, IA | A | 19.1% | 1,488 | 15.4% | 6.00% |
| 39 | Empeople Credit UnionMoline, IL | C | 25.7% | 1,057 | 14.2% | 6.49% |
| 40 | Wells Fargo BankCharlotte, NC | B | 22.2% | 864 | 12.9% | 6.50% |
| 41 | Dupaco CommunityDubuque, IA | A | 17.0% | 2,669 | 16.1% | 7.00% |
| 42 | ASCENTRA Credit UnionBettendorf, IA | C | 18.5% | 607 | 15.2% | 6.50% |
| 43 | Nationstar MortgageCoppell, TX | C | 18.8% | 486 | 15.0% | 7.31% |
| 44 | Collins Community Credit UnionCedar Rapids, IA | C | 19.3% | 1,170 | 16.1% | 6.75% |
| 45 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 1,281 | 13.5% | 6.50% |
| 46 | Greater Iowa Credit UnionAmes, IA | D | 21.4% | 875 | 17.5% | 6.49% |
| 47 | United Bank of IowaIda Grove, IA | D | 21.4% | 531 | 17.7% | 6.75% |
| 48 | Rocket MortgagePlymouth, MI | C | 19.9% | 3,761 | 22.7% | 6.63% |
| 49 | Freedom MortgageBoca Raton, FL | B | 14.6% | 919 | 14.7% | 6.25% |
| 50 | Mortgage Research CenterColumbia, MO | C | 28.1% | 1,857 | 18.1% | 6.25% |
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.
