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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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% | 542 | 0.0% | 9.75% |
| 2 | Emm LoansCherry Hill, NJ | B | 4.8% | 637 | 0.8% | 6.75% |
| 3 | General Mortgage CapitalBurlingame, CA | A | 1.4% | 357 | 1.7% | 6.38% |
| 4 | Leader BankArlington, MA | A | 2.4% | 5,913 | 1.8% | 6.25% |
| 5 | Morgan Stanley Private BankNew York, NY | A | 4.9% | 556 | 2.2% | 5.83% |
| 6 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 3.4% | 1,006 | 3.0% | 6.63% |
| 7 | Radius Financial GroupNorwell, MA | B | 4.1% | 1,125 | 3.4% | 6.62% |
| 8 | Dedham Institution for SavingsDedham, MA | A | 4.2% | 359 | 3.9% | 6.38% |
| 9 | Guaranteed Rate AffinityChicago, IL | A | 6.8% | 1,171 | 3.3% | 6.50% |
| 10 | Northpoint MortgageSturbridge, MA | A | 3.5% | 541 | 3.9% | 6.63% |
| 11 | New Fed MortgageDanvers, MA | B | 5.7% | 817 | 4.2% | 6.63% |
| 12 | Movement MortgageLancaster, SC | A | 4.8% | 1,862 | 4.4% | 6.63% |
| 13 | Guild MortgageSan Diego, CA | A | 4.7% | 3,089 | 4.1% | 6.50% |
| 14 | Crosscountry MortgageCleveland, OH | B | 5.7% | 5,634 | 3.8% | 6.63% |
| 15 | Total Mortgage ServicesMilford, CT | B | 5.4% | 1,745 | 4.5% | 6.63% |
| 16 | Nations Direct MortgageHenderson, NV | B | 7.9% | 385 | 4.9% | 6.13% |
| 17 | Colorado Federal Savings BankGreenwood Village, CO | A | 6.3% | 362 | 5.3% | 6.38% |
| 18 | Northpointe BankGrand Rapids, MI | C | 10.4% | 405 | 4.9% | 6.63% |
| 19 | Baycoast Mortgage CompanySwansea, MA | A | 5.4% | 783 | 5.5% | 6.50% |
| 20 | Mortgage Equity PartnersLynnfield, MA | B | 5.5% | 520 | 6.0% | 6.49% |
| 21 | Guaranteed RateChicago, IL | B | 9.2% | 7,313 | 4.5% | 6.50% |
| 22 | CMG MortgageSan Ramon, CA | A | 5.6% | 3,435 | 5.8% | 6.63% |
| 23 | Cambridge Savings BankCambridge, MA | A | 7.6% | 1,289 | 6.4% | 6.49% |
| 24 | Westfield BankWestfield, MA | B | 8.8% | 940 | 6.7% | 6.38% |
| 25 | Fairway Independent MortgageMadison, WI | B | 6.1% | 2,658 | 6.1% | 6.63% |
| 26 | Washington Trust Mortgage CompanyWesterly, RI | B | 7.5% | 746 | 5.9% | 6.49% |
| 27 | bankESBEasthampton, MA | A | 8.2% | 1,770 | 7.5% | 6.13% |
| 28 | Greenfield Savings BankGreenfield, MA | B | 8.7% | 570 | 7.2% | 6.25% |
| 29 | Bristol County Savings BankTaunton, MA | B | 9.3% | 525 | 7.8% | 6.13% |
| 30 | Polish National Credit UnionChicopee, MA | B | 10.1% | 441 | 8.2% | 6.38% |
| 31 | Havard Federal Credit UnionCambridge, MA | B | 9.8% | 462 | 8.7% | 6.88% |
| 32 | Middlesex Savings BankNatick, MA | A | 10.3% | 1,450 | 9.5% | 6.63% |
| 33 | Salem Five Mortgage CompanySalem, MA | A | 11.0% | 1,525 | 9.1% | 6.25% |
| 34 | Institution for Savings in Newburyport and Its VicinityNewburyport, MA | B | 12.4% | 610 | 8.7% | 6.25% |
| 35 | Harborone MortgageBrockton, MA | B | 9.4% | 950 | 9.3% | 6.38% |
| 36 | BayCoast BankSwansea, MA | A | 13.1% | 620 | 11.6% | 7.25% |
| 37 | JEANNE D'ARC Credit UnionLowell, MA | B | 12.5% | 868 | 11.5% | 6.50% |
| 38 | Merrimack ValleyLawrence, MA | C | 11.8% | 675 | 11.0% | 7.50% |
| 39 | Sierra Pacific Mortgage CompanyFolsom, CA | C | 10.2% | 368 | 11.1% | 6.75% |
| 40 | Msa MortgageWinthrop, MA | B | 11.4% | 550 | 10.6% | 6.38% |
| 41 | Greylock Federal Credit UnionPittsfield, MA | C | 13.9% | 1,305 | 10.9% | 6.38% |
| 42 | Florence BankFlorence, MA | B | 13.2% | 709 | 11.0% | 5.99% |
| 43 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 2,022 | 9.7% | 6.38% |
| 44 | Workers Federal Credit UnionLittleton, MA | B | 13.1% | 1,638 | 11.1% | 6.38% |
| 45 | Country Bank for SavingsWare, MA | B | 13.5% | 714 | 12.0% | 7.25% |
| 46 | SHARON & CRESCENT UNITED Credit UnionSharon, | B | 14.2% | 498 | 11.7% | 6.00% |
| 47 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 497 | 11.5% | 6.68% |
| 48 | The Cape Cod Five Cents Savings BankHyannis, MA | C | 14.3% | 2,840 | 11.7% | 7.50% |
| 49 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 5,898 | 12.8% | 6.50% |
| 50 | Umassfive CollegeHadley, MA | D | 15.1% | 515 | 13.6% | 7.50% |
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.
