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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Marshall Community Credit UnionMarshall, MI | B | 0.6% | 344 | 0.6% | 7.13% |
| 2 | Northern Mortgage ServicesGrandville, MI | B | 1.8% | 642 | 0.9% | 6.62% |
| 3 | The Mortgage LinkRockville, MD | B | 1.5% | 786 | 1.0% | 6.63% |
| 4 | Churchill MortgageBrentwood, TN | B | 4.0% | 581 | 1.0% | 6.63% |
| 5 | Kellogg Community Credit UnionBattle Creek, MI | B | 1.3% | 605 | 1.2% | 7.44% |
| 6 | GreenStone Farm Credit Services, FLCAEast Lansing, MI | A | 1.5% | 1,292 | 1.2% | 6.75% |
| 7 | Blg HoldingsFlint, MI | B | 1.4% | 563 | 1.2% | 6.63% |
| 8 | DAS Acquisition CompanySt. Louis, MO | B | 3.0% | 475 | 1.3% | 6.63% |
| 9 | J. VirgilPalm Beach Gardens, FL | B | 2.1% | 768 | 1.3% | 6.63% |
| 10 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 492 | 1.4% | 6.63% |
| 11 | Van Dyk MortgageGrand Rapids, MI | B | 3.0% | 598 | 1.3% | 6.63% |
| 12 | Success Mortgage PartnersPlymouth, MI | B | 2.7% | 1,233 | 1.7% | 6.63% |
| 13 | Mortgage 1Sterling Heights, MI | A | 2.2% | 4,161 | 2.0% | 6.63% |
| 14 | Coastal Community BankEverett, WA | C | 3.0% | 3,418 | 1.6% | 10.49% |
| 15 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 4.6% | 1,818 | 2.0% | 6.63% |
| 16 | Range BankMarquette, MI | A | 2.6% | 314 | 2.6% | — |
| 17 | Frankenmuth Credit UnionFrankenmuth, MI | B | 2.8% | 1,047 | 2.6% | 7.13% |
| 18 | Ross MortgageTroy, MI | B | 5.0% | 774 | 2.5% | 6.63% |
| 19 | Preston Home LoansGrand Blanc, MI | C | 2.9% | 1,648 | 2.1% | 6.63% |
| 20 | Gvc MortgagePendleton, IN | B | 2.9% | 758 | 2.6% | 6.63% |
| 21 | Sturgis Bank & TrustSturgis, MI | A | 3.4% | 824 | 3.4% | 6.85% |
| 22 | Superior National BankHancock, MI | B | 3.4% | 835 | 3.1% | 6.63% |
| 23 | Guild MortgageSan Diego, CA | A | 4.7% | 1,097 | 3.2% | 6.75% |
| 24 | Towne MortgageTroy, MI | B | 4.4% | 561 | 3.7% | 6.63% |
| 25 | First State BankClinton Township, MI | A | 4.6% | 1,150 | 4.2% | 6.63% |
| 26 | Staunton FinancialSouthfield, MI | B | 5.1% | 2,833 | 4.4% | 6.63% |
| 27 | University BankAnn Arbor, MI | A | 4.9% | 650 | 4.2% | 6.63% |
| 28 | Union Home MortgageStrongsville, OH | B | 6.7% | 5,303 | 4.3% | 6.75% |
| 29 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 405 | 4.7% | 6.88% |
| 30 | First Community MortgageMurfreesboro, TN | A | 7.1% | 890 | 4.8% | 6.63% |
| 31 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 7.3% | 422 | 4.3% | 6.63% |
| 32 | Nicolet National BankGreen Bay, WI | A | 4.5% | 486 | 4.9% | 7.38% |
| 33 | Crosscountry MortgageCleveland, OH | B | 5.7% | 3,708 | 4.2% | 6.75% |
| 34 | Arbor Financial Credit UnionKalamazoo, MI | B | 6.5% | 952 | 5.7% | 7.13% |
| 35 | Fairway Independent MortgageMadison, WI | B | 6.1% | 455 | 5.3% | 6.63% |
| 36 | Zillow Home LoansIrvine, CA | B | 7.4% | 842 | 5.1% | 6.63% |
| 37 | Lake Michigan Credit UnionGrand Rapids, MI | A | 7.3% | 16,662 | 5.6% | 6.75% |
| 38 | Pulte MortgageWilmington, DE | A | 15.3% | 632 | 5.1% | 6.50% |
| 39 | University of Michigan Credit UnionAnn Arbor, MI | A | 7.1% | 1,188 | 5.9% | 7.50% |
| 40 | Ruoff Mortgage CompanyFort Wayne, IN | A | 5.2% | 1,052 | 6.7% | 6.63% |
| 41 | CMG MortgageSan Ramon, CA | A | 5.6% | 751 | 5.7% | 6.75% |
| 42 | Mortgage Center L.cSouthfield, MI | C | 8.3% | 3,046 | 6.2% | 6.38% |
| 43 | The Dart BankMason, MI | B | 8.7% | 3,524 | 6.4% | 6.75% |
| 44 | Michigan MutualPort Huron, MI | C | 9.5% | 891 | 6.7% | 6.99% |
| 45 | Guaranteed RateChicago, IL | B | 9.2% | 3,014 | 5.2% | 6.63% |
| 46 | Northpointe BankGrand Rapids, MI | C | 10.4% | 927 | 5.6% | 6.63% |
| 47 | Everett FinancialDallas, | C | 8.9% | 1,041 | 6.1% | 6.63% |
| 48 | Vibe Credit UnionNovi, MI | C | 9.5% | 692 | 8.4% | 6.50% |
| 49 | American Pacific MortgageRoseville, CA | C | 10.3% | 778 | 8.2% | 6.63% |
| 50 | American Financial NetworkBrea, CA | C | 15.5% | 900 | 7.6% | 6.63% |
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.
