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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 461 | 1.1% | 6.38% |
| 2 | Guaranty Bank & Trust Company of Delhi, LouisianaDelhi, LA | B | 2.0% | 352 | 2.0% | — |
| 3 | Towne MortgageTroy, MI | B | 4.4% | 359 | 2.2% | 6.25% |
| 4 | GMFSBaton Rouge, LA | A | 2.8% | 3,072 | 2.0% | 6.50% |
| 5 | Movement MortgageLancaster, SC | A | 4.8% | 1,676 | 2.5% | 6.56% |
| 6 | Eustis MortgageNew Orleans, LA | B | 2.0% | 1,707 | 2.3% | 6.50% |
| 7 | Coastal Community BankEverett, WA | C | 3.0% | 991 | 2.4% | 10.49% |
| 8 | The Evangeline Bank & TrustVille Platte, LA | B | 3.5% | 442 | 3.4% | 7.25% |
| 9 | Eagle Bank and TrustLittle Rock, AR | A | 4.9% | 491 | 3.3% | 6.50% |
| 10 | Synergy One LendingSan Diego, CA | C | 8.0% | 1,038 | 4.0% | 6.63% |
| 11 | Synergy BankHouma, LA | C | 5.1% | 409 | 4.9% | — |
| 12 | Homeland BancsharesColumbia, LA | B | 5.4% | 363 | 5.0% | — |
| 13 | Origin BankRuston, LA | C | 9.4% | 663 | 5.0% | 7.25% |
| 14 | Assurance Financial GroupBaton Rouge, LA | C | 5.9% | 1,711 | 4.8% | 6.63% |
| 15 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 7.3% | 484 | 4.8% | 6.50% |
| 16 | Guild MortgageSan Diego, CA | A | 4.7% | 873 | 5.6% | 6.50% |
| 17 | Crosscountry MortgageCleveland, OH | B | 5.7% | 1,009 | 4.9% | 6.63% |
| 18 | Southern Heritage BankJonesville, LA | C | 7.8% | 353 | 7.1% | — |
| 19 | Dsld MortgageDover, DE | A | 7.6% | 2,545 | 6.3% | 6.13% |
| 20 | b1BANKBaton Rouge, LA | C | 7.0% | 759 | 7.1% | 8.00% |
| 21 | OnPath Federal Credit UnionMetairie, LA | B | 8.8% | 416 | 9.1% | 6.60% |
| 22 | The Loan StoreSan Francisco, CA | B | 12.2% | 481 | 8.3% | 6.75% |
| 23 | Home BankLafayette, LA | B | 9.8% | 358 | 8.7% | 7.13% |
| 24 | LowerColumbia, MD | C | 13.9% | 548 | 7.9% | 6.63% |
| 25 | Click n' CloseAddison, TX | C | 7.3% | 457 | 7.7% | 6.75% |
| 26 | Union Home MortgageStrongsville, OH | B | 6.7% | 482 | 9.5% | 6.38% |
| 27 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 10.8% | 360 | 11.7% | 6.50% |
| 28 | BankPlusRidgeland, MS | B | 12.2% | 391 | 10.2% | 7.50% |
| 29 | First American Bank and TrustVacherie, LA | C | 13.0% | 646 | 11.6% | — |
| 30 | Gulf Coast Bank and TrustNew Orleans, LA | C | 12.8% | 2,039 | 10.8% | 6.88% |
| 31 | Fidelity BankNew Orleans, LA | D | 13.6% | 2,034 | 10.9% | 6.75% |
| 32 | Equity Prime MortgageAtlanta, GA | D | 19.5% | 1,260 | 8.7% | 6.50% |
| 33 | Standard MortgageNew Orleans, LA | C | 13.1% | 568 | 10.9% | 6.39% |
| 34 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 6,264 | 13.1% | 6.38% |
| 35 | Planet Home LendingMeriden, CT | B | 17.5% | 746 | 15.4% | 6.38% |
| 36 | Freedom MortgageBoca Raton, FL | B | 14.6% | 2,501 | 9.8% | 6.25% |
| 37 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 1,931 | 12.6% | 6.63% |
| 38 | Red River BankAlexandria, LA | C | 17.4% | 1,226 | 15.1% | 6.50% |
| 39 | Cadence BankTupelo, MS | B | 19.7% | 1,065 | 16.2% | 7.25% |
| 40 | Nationstar MortgageCoppell, TX | C | 18.8% | 952 | 17.2% | 7.75% |
| 41 | First Horizon BankMemphis, TN | B | 25.4% | 1,992 | 19.1% | 6.63% |
| 42 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 2,323 | 13.0% | 6.13% |
| 43 | Kind LendingIrvine, CA | C | 27.2% | 422 | 21.3% | 6.50% |
| 44 | Efcu FinancialBaton Rouge, LA | D | 23.6% | 790 | 22.0% | — |
| 45 | Hancock Whitney BankGulfport, MS | B | 25.3% | 3,536 | 21.7% | 6.00% |
| 46 | Rocket MortgagePlymouth, MI | C | 19.9% | 5,770 | 25.9% | 6.63% |
| 47 | BarksdaleBossier City, LA | C | 30.0% | 949 | 21.4% | 6.50% |
| 48 | Mutual of Omaha MortgageSan Diego, CA | C | 22.6% | 526 | 20.7% | 6.50% |
| 49 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 1,725 | 24.0% | 4.63% |
| 50 | Village Capital & InvestmentHenderson, NV | C | 25.5% | 542 | 23.4% | 5.88% |
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.
