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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Rf Renovo Management CompanyChicago, IL | B | 0.3% | 379 | 0.0% | 9.50% |
| 2 | Dominion Financial ServicesBaltimore, MD | A | 0.0% | 510 | 0.0% | 7.50% |
| 3 | First Savings MortgageMclean, VA | A | 1.0% | 569 | 0.7% | 6.50% |
| 4 | DAS Acquisition CompanySt. Louis, MO | B | 3.0% | 536 | 1.3% | 6.50% |
| 5 | Coastal Community BankEverett, WA | C | 3.0% | 2,325 | 1.2% | 10.49% |
| 6 | Atlantic Coast MortgageFairfax, VA | A | 2.1% | 749 | 1.5% | 6.63% |
| 7 | NFMLinthicum, MD | A | 2.3% | 2,831 | 1.4% | 6.63% |
| 8 | Direct Mortgage LoansHunt Valley, MD | B | 2.0% | 1,449 | 1.6% | 6.63% |
| 9 | CMG MortgageSan Ramon, CA | A | 5.6% | 1,851 | 2.0% | 6.50% |
| 10 | First Home MortgageBaltimore, MD | B | 3.0% | 4,496 | 2.1% | 6.63% |
| 11 | Vellum MortgageFairfax, VA | A | 3.4% | 655 | 2.6% | 6.63% |
| 12 | Towne BankPortsmouth, VA | B | 6.6% | 1,990 | 2.8% | 6.50% |
| 13 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 514 | 3.3% | 6.63% |
| 14 | Swbc MortgageSan Antonio, TX | A | 4.0% | 562 | 3.4% | 6.63% |
| 15 | Guaranteed Rate AffinityChicago, IL | A | 6.8% | 718 | 3.1% | 6.58% |
| 16 | First Heritage MortgageFairfax, VA | A | 4.2% | 1,521 | 3.4% | 6.38% |
| 17 | Fidelity Direct MortgageGaithersburg, MD | B | 6.0% | 604 | 3.8% | 6.63% |
| 18 | Presidential BankBethesda, MD | B | 6.9% | 479 | 4.2% | 6.63% |
| 19 | Meridian BankMalvern, PA | B | 4.1% | 1,135 | 3.9% | 6.50% |
| 20 | Primary Residential MortgageSalt Lake City, UT | C | 7.4% | 2,004 | 3.8% | 6.63% |
| 21 | Bay EquityCorte Madera, CA | B | 4.9% | 518 | 4.1% | 6.63% |
| 22 | Guild MortgageSan Diego, CA | A | 4.7% | 1,314 | 4.5% | 6.50% |
| 23 | Paramount Residential Mortgage GroupCorona, CA | B | 5.0% | 591 | 3.4% | 6.63% |
| 24 | Fairway Independent MortgageMadison, WI | B | 6.1% | 1,526 | 4.8% | 6.63% |
| 25 | Crosscountry MortgageCleveland, OH | B | 5.7% | 2,741 | 4.3% | 6.63% |
| 26 | Zillow Home LoansIrvine, CA | B | 7.4% | 468 | 5.1% | 6.50% |
| 27 | NASA Federal Credit UnionUpper Marlboro, MD | B | 6.2% | 432 | 5.8% | 7.25% |
| 28 | Movement MortgageLancaster, SC | A | 4.8% | 1,486 | 5.5% | 6.63% |
| 29 | Embrace Home LoansMiddletown, RI | A | 6.0% | 1,170 | 6.3% | 6.63% |
| 30 | POINT BREEZE Credit UnionHunt Valley, MD | A | 7.6% | 368 | 7.3% | 5.88% |
| 31 | Prosperity Home MortgageFairfax, VA | A | 7.8% | 1,767 | 6.3% | 6.63% |
| 32 | Bay Capital MortgageAnnapolis, MD | B | 8.0% | 739 | 7.3% | 6.49% |
| 33 | Provident Funding AssociatesSanta Rosa, CA | A | 9.4% | 472 | 6.1% | 6.38% |
| 34 | Lennar MortgageMiami, FL | A | 16.3% | 1,008 | 7.1% | 6.38% |
| 35 | Ameris BankAtlanta, GA | B | 10.5% | 641 | 7.8% | 6.49% |
| 36 | APL Federal Credit UnionLaurel, MD | A | 10.9% | 408 | 8.8% | 7.50% |
| 37 | Guaranteed RateChicago, IL | B | 9.2% | 1,515 | 6.1% | 6.38% |
| 38 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 1,864 | 7.8% | 6.49% |
| 39 | Pulte MortgageWilmington, DE | A | 15.3% | 379 | 9.0% | 6.13% |
| 40 | Bank-Fund Staff Federal Credit UnionWashington, DC | A | 12.2% | 501 | 10.4% | 6.50% |
| 41 | Union Home MortgageStrongsville, OH | B | 6.7% | 475 | 9.7% | 6.50% |
| 42 | Freedom MortgageBoca Raton, FL | B | 14.6% | 5,078 | 7.2% | 6.25% |
| 43 | First Financial of Maryland Federal Credit UnionSparks, MD | C | 13.0% | 698 | 12.5% | 5.00% |
| 44 | Sun West Mortgage CompanyCerritos, CA | B | 14.9% | 418 | 12.0% | 6.13% |
| 45 | American Pacific MortgageRoseville, CA | C | 10.3% | 379 | 11.9% | 6.75% |
| 46 | Kiavi FundingWilmington, DE | D | 11.1% | 912 | 9.8% | 9.95% |
| 47 | LowerColumbia, MD | C | 13.9% | 942 | 11.3% | 6.63% |
| 48 | LendageSan Mateo, CA | B | 14.7% | 491 | 14.9% | 11.00% |
| 49 | Shore United BankEaston, MD | C | 16.7% | 1,485 | 13.8% | 6.50% |
| 50 | United BankVienna, VA | C | 20.3% | 457 | 14.7% | 6.15% |
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.
