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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Luminate BankMinneapolis, MN | B | 4.3% | 590 | 1.4% | 6.63% |
| 2 | Coastal Community BankEverett, WA | C | 3.0% | 1,390 | 1.5% | 10.99% |
| 3 | First Southern National BankLancaster, KY | B | 2.3% | 532 | 2.3% | 7.50% |
| 4 | Interlinc Mortgage ServicesHouston, TX | B | 5.2% | 520 | 2.3% | 6.75% |
| 5 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 1.9% | 528 | 2.5% | 6.38% |
| 6 | Victory MortgageErlanger, KY | A | 4.9% | 869 | 2.9% | 6.00% |
| 7 | Wilson & Muir Bank & TrustBardstown, KY | A | 3.3% | 385 | 3.1% | — |
| 8 | American Bank & Trust CompanyBowling Green, KY | C | 4.2% | 343 | 3.8% | — |
| 9 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 1,591 | 3.4% | 6.63% |
| 10 | Gershman InvestmentChesterfield, MO | B | 7.7% | 424 | 4.0% | 6.38% |
| 11 | T2 FinancialWesterville, OH | B | 6.8% | 743 | 4.6% | 6.38% |
| 12 | Movement MortgageLancaster, SC | A | 4.8% | 458 | 4.8% | 6.63% |
| 13 | First Community MortgageMurfreesboro, TN | A | 7.1% | 484 | 5.6% | 6.49% |
| 14 | Crosscountry MortgageCleveland, OH | B | 5.7% | 1,483 | 4.3% | 6.75% |
| 15 | Everett FinancialDallas, | C | 8.9% | 820 | 4.3% | 6.25% |
| 16 | The Cecilian BankCecilia, KY | C | 11.4% | 855 | 6.0% | 7.50% |
| 17 | LibertyEvansville, IN | B | 7.2% | 2,280 | 6.0% | 6.63% |
| 18 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 7.3% | 416 | 5.8% | 6.63% |
| 19 | Provident Funding AssociatesSanta Rosa, CA | A | 9.4% | 465 | 5.8% | 6.38% |
| 20 | South Central BankGlasgow, KY | B | 7.5% | 1,778 | 6.8% | 7.25% |
| 21 | Magnolia BankHodgenville, KY | C | 10.3% | 950 | 6.8% | 6.50% |
| 22 | Stockton MortgageFrankfort, KY | D | 10.8% | 3,255 | 6.1% | 6.63% |
| 23 | Union Home MortgageStrongsville, OH | B | 6.7% | 1,456 | 6.7% | 6.50% |
| 24 | The Loan StoreSan Francisco, CA | B | 12.2% | 629 | 7.5% | 6.63% |
| 25 | L & N Federal Credit UnionLouisville, KY | A | 8.7% | 1,956 | 7.5% | 7.00% |
| 26 | West Point BankRadcliff, KY | B | 8.9% | 310 | 8.4% | — |
| 27 | Unnamed lender 54930002HD26G3OGZR79 | B | 8.4% | 464 | 8.2% | — |
| 28 | Guardian Savings BankWest Chester, OH | B | 11.5% | 1,767 | 8.5% | 6.63% |
| 29 | Central Bank & TrustLexington, KY | B | 9.9% | 1,102 | 9.0% | 7.25% |
| 30 | Guaranteed RateChicago, IL | B | 9.2% | 726 | 5.8% | 6.50% |
| 31 | Traditional BankMount Sterling, KY | B | 10.6% | 902 | 10.1% | 7.25% |
| 32 | Republic Bank & TrustLouisville, KY | B | 12.6% | 2,214 | 8.3% | 6.00% |
| 33 | Farm Credit Mid-AmericaLouisville, KY | D | 15.0% | 687 | 9.0% | 7.00% |
| 34 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 6,871 | 9.8% | 6.50% |
| 35 | Fairway Independent MortgageMadison, WI | B | 6.1% | 853 | 8.7% | 6.63% |
| 36 | Prosperity Home MortgageFairfax, VA | A | 7.8% | 696 | 8.8% | 6.38% |
| 37 | Whitaker BankLexington, KY | B | 11.3% | 803 | 10.2% | 6.25% |
| 38 | River City BankLouisville, KY | C | 12.4% | 339 | 10.9% | — |
| 39 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 1,450 | 9.3% | 6.50% |
| 40 | Northpointe BankGrand Rapids, MI | C | 10.4% | 1,927 | 9.0% | 6.88% |
| 41 | LowerColumbia, MD | C | 13.9% | 689 | 9.7% | 6.56% |
| 42 | Equity Prime MortgageAtlanta, GA | D | 19.5% | 546 | 8.1% | 6.63% |
| 43 | Community Trust BankPikeville, KY | B | 13.9% | 2,621 | 12.9% | 6.63% |
| 44 | First Equity MortgageFort Mitchell, KY | C | 15.6% | 462 | 10.2% | 6.38% |
| 45 | Freedom MortgageBoca Raton, FL | B | 14.6% | 2,752 | 9.2% | 6.25% |
| 46 | Nationstar MortgageCoppell, TX | C | 18.8% | 942 | 13.1% | 7.75% |
| 47 | Independence Bank of KentuckyOwensboro, KY | B | 15.5% | 1,430 | 13.9% | 7.00% |
| 48 | Broker SolutionsTustin, CA | D | 18.0% | 2,519 | 8.9% | 6.63% |
| 49 | German American BankJasper, IN | A | 17.2% | 1,484 | 15.3% | 6.99% |
| 50 | Planet Home LendingMeriden, CT | B | 17.5% | 323 | 17.0% | 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.
