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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | First State Bank of St. Charles, MissouriSt. Charles, MO | A | 0.0% | 606 | 0.0% | 6.50% |
| 2 | Mid-America BankBaldwin City, KS | A | 0.2% | 567 | 0.2% | 7.00% |
| 3 | Flat Branch MortgageColumbia, MO | A | 1.2% | 1,455 | 0.6% | 6.63% |
| 4 | M Squared FinancialPrairie Village, KS | B | 2.7% | 390 | 1.0% | 6.63% |
| 5 | Coastal Community BankEverett, WA | C | 3.0% | 826 | 1.7% | 10.49% |
| 6 | Fairway Independent MortgageMadison, WI | B | 6.1% | 2,360 | 2.0% | 6.63% |
| 7 | Crosscountry MortgageCleveland, OH | B | 5.7% | 797 | 2.0% | 6.63% |
| 8 | Gateway First BankJenks, OK | B | 5.3% | 661 | 2.7% | 6.63% |
| 9 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 584 | 3.4% | 6.75% |
| 10 | Guild MortgageSan Diego, CA | A | 4.7% | 1,549 | 3.6% | 6.63% |
| 11 | The Bennington State BankSt Salina, KS | A | 4.6% | 335 | 4.2% | — |
| 12 | Landmark National BankManhattan, KS | B | 4.6% | 875 | 4.0% | 6.38% |
| 13 | Peoples Bank and TrustMcpherson, KS | A | 4.9% | 1,284 | 4.7% | 7.00% |
| 14 | Bell BankFargo, ND | A | 7.1% | 460 | 4.1% | 6.50% |
| 15 | Community National Bank & TrustChanute, KS | C | 5.6% | 1,048 | 5.1% | 7.75% |
| 16 | American Mortgage BankOklahoma City, OK | C | 5.7% | 386 | 4.9% | 6.63% |
| 17 | Leaderone FinancialOverland Park, KS | D | 12.7% | 551 | 4.9% | 6.63% |
| 18 | Sierra Pacific Mortgage CompanyFolsom, CA | C | 10.2% | 482 | 7.3% | 6.63% |
| 19 | NBKC BankKansas, MO | B | 16.3% | 610 | 7.1% | 6.38% |
| 20 | MERITRUST Federal Credit UnionWichita, KS | B | 10.0% | 1,087 | 8.7% | 6.75% |
| 21 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 483 | 7.3% | 6.49% |
| 22 | Planet Home LendingMeriden, CT | B | 17.5% | 413 | 9.7% | 6.38% |
| 23 | Premier Members Credit UnionBroomfield, CO | D | 15.1% | 665 | 8.7% | 6.50% |
| 24 | NBH BankGreenwood Village, CO | C | 16.8% | 555 | 9.0% | 6.50% |
| 25 | Union Home MortgageStrongsville, OH | B | 6.7% | 413 | 9.2% | 6.50% |
| 26 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 2,545 | 11.4% | 6.38% |
| 27 | Heartland Credit UnionHutchinson, KS | D | 14.0% | 877 | 10.8% | 6.99% |
| 28 | Freedom MortgageBoca Raton, FL | B | 14.6% | 1,491 | 8.6% | 6.25% |
| 29 | The Central Trust BankJefferson City, MO | C | 10.4% | 541 | 10.7% | 6.49% |
| 30 | Capitol Federal Savings BankTopeka, KS | B | 14.2% | 1,873 | 12.6% | 6.75% |
| 31 | Mortgage Investment ServicesShawnee, KS | C | 13.3% | 392 | 13.5% | 6.75% |
| 32 | Communityamerica Credit UnionLenexa, KS | B | 20.0% | 3,575 | 12.4% | 6.38% |
| 33 | Fidelity BankWichita, KS | C | 24.9% | 1,102 | 12.8% | 6.88% |
| 34 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 2,103 | 10.8% | 6.49% |
| 35 | Arvest BankFayetteville, AR | C | 18.5% | 1,062 | 14.3% | 6.75% |
| 36 | Nationstar MortgageCoppell, TX | C | 18.8% | 864 | 14.4% | 8.25% |
| 37 | Rocket MortgagePlymouth, MI | C | 19.9% | 5,303 | 18.0% | 6.63% |
| 38 | Golden Plains Credit UnionGarden City, KS | C | 21.0% | 670 | 16.7% | 6.63% |
| 39 | CoreFirst Bank & TrustTopeka, KS | C | 18.5% | 362 | 19.9% | 8.00% |
| 40 | Envista Credit UnionTopeka, KS | C | 20.5% | 1,040 | 19.8% | 6.90% |
| 41 | Equity BankWichita, KS | A | 18.4% | 609 | 17.9% | 6.25% |
| 42 | Mortgage Research CenterColumbia, MO | C | 28.1% | 2,389 | 15.1% | 6.25% |
| 43 | Mainstreet Federal Credit UnionLenexa, KS | C | 21.5% | 679 | 21.5% | 8.00% |
| 44 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 981 | 16.1% | 6.50% |
| 45 | Credit Union of AmericaWichita, KS | C | 29.0% | 1,940 | 22.9% | 7.75% |
| 46 | Intrust BankWichita, KS | C | 26.9% | 746 | 24.0% | 7.50% |
| 47 | First National Bank of OmahaOmaha, NE | C | 25.9% | 506 | 23.3% | 7.13% |
| 48 | UMB BankKansas City, | B | 30.5% | 758 | 25.3% | 5.99% |
| 49 | Commerce BankKansas City, MO | D | 33.3% | 1,383 | 24.4% | 6.38% |
| 50 | Broker SolutionsTustin, CA | D | 18.0% | 847 | 15.1% | 6.88% |
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.
