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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Androscoggin Savings BankLewiston, ME | A | 2.3% | 456 | 2.0% | 6.63% |
| 2 | Northpoint MortgageSturbridge, MA | A | 3.5% | 431 | 2.6% | 6.63% |
| 3 | Fairway Independent MortgageMadison, WI | B | 6.1% | 509 | 3.5% | 6.63% |
| 4 | Coastal Community BankEverett, WA | C | 3.0% | 511 | 2.7% | 10.49% |
| 5 | Total Mortgage ServicesMilford, CT | B | 5.4% | 441 | 3.6% | 6.88% |
| 6 | CMG MortgageSan Ramon, CA | A | 5.6% | 2,251 | 4.2% | 6.63% |
| 7 | Crosscountry MortgageCleveland, OH | B | 5.7% | 601 | 4.2% | 6.63% |
| 8 | Guild MortgageSan Diego, CA | A | 4.7% | 1,838 | 5.3% | 6.63% |
| 9 | Guaranteed RateChicago, IL | B | 9.2% | 500 | 5.8% | 6.50% |
| 10 | Kennebec Savings BankAugusta, ME | B | 9.8% | 1,493 | 9.6% | 7.00% |
| 11 | First National BankDamariscotta, ME | C | 9.9% | 909 | 8.8% | 7.50% |
| 12 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 2,675 | 9.1% | 6.50% |
| 13 | Freedom MortgageBoca Raton, FL | B | 14.6% | 749 | 7.6% | 6.25% |
| 14 | The Camden National BankCamden, ME | A | 16.7% | 2,559 | 13.2% | 6.99% |
| 15 | Maine Community BankPortland, ME | C | 16.1% | 812 | 14.2% | — |
| 16 | Nationstar MortgageCoppell, TX | C | 18.8% | 437 | 14.9% | 7.38% |
| 17 | Broker SolutionsTustin, CA | D | 18.0% | 876 | 10.3% | 6.75% |
| 18 | Town & Country Federal Credit UnionSouth Portland, ME | C | 18.7% | 935 | 17.0% | 7.24% |
| 19 | Norway Savings BankNorway, ME | B | 18.8% | 928 | 15.4% | 7.25% |
| 20 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 654 | 12.5% | 6.50% |
| 21 | Bangor Savings BankBangor, ME | B | 19.7% | 4,518 | 17.2% | 7.25% |
| 22 | Maine Savings Federal Credit UnionHampden, | B | 20.1% | 889 | 18.8% | 7.25% |
| 23 | Cuso MortgageHampden, ME | C | 21.1% | 481 | 18.1% | 6.63% |
| 24 | Atlantic Regional Federal Credit UnionSouth Portland, ME | D | 22.1% | 653 | 16.2% | 7.99% |
| 25 | Dirigo Federal Credit UnionLewiston, ME | D | 21.5% | 349 | 19.5% | — |
| 26 | Machias Savings BankMachias, ME | D | 23.7% | 837 | 21.9% | 7.50% |
| 27 | Maine State Credit UnionAugusta, ME | D | 23.9% | 645 | 22.0% | — |
| 28 | Rocket MortgagePlymouth, MI | C | 19.9% | 2,628 | 22.9% | 6.75% |
| 29 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 621 | 17.1% | 7.25% |
| 30 | Citizens BankProvidence, RI | C | 32.5% | 412 | 22.8% | 7.40% |
| 31 | TD BankWilmington, DE | D | 35.3% | 1,244 | 20.2% | 7.35% |
| 32 | Kennebunk Savings BankKennebunk, ME | D | 27.1% | 447 | 22.8% | — |
| 33 | Mortgage Research CenterColumbia, MO | C | 28.1% | 1,104 | 17.6% | 6.25% |
| 34 | Lighthouse Federal Credit UnionPortsmouth, NH | D | 36.3% | 597 | 30.3% | 7.49% |
| 35 | KeyBankCleveland, OH | C | 32.8% | 413 | 27.9% | 7.50% |
| 36 | Loandepot.ComIrvine, CA | D | 26.7% | 660 | 28.3% | 6.88% |
| 37 | Evergreen Credit UnionPortland, ME | D | 35.1% | 976 | 30.6% | 6.50% |
| 38 | The County Federal Credit UnionPresque Isle, ME | D | 35.6% | 362 | 32.3% | — |
| 39 | NewrezWilmington, DE | D | 35.0% | 857 | 18.7% | 6.63% |
| 40 | Empeople Credit UnionMoline, IL | C | 25.7% | 485 | 33.4% | 6.49% |
| 41 | Bank of AmericaCharlotte, NC | F | 44.7% | 712 | 30.8% | 6.13% |
| 42 | Spring EqConshohocken, PA | D | 61.9% | 424 | 51.7% | 9.29% |
| 43 | AmeriSave MortgageSandy Springs, GA | D | 70.0% | 633 | 65.4% | 8.38% |
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.
