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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Tradition MortgageLakeville, MN | A | 0.2% | 1,112 | 0.2% | 6.63% |
| 2 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 3.4% | 429 | 0.7% | 6.75% |
| 3 | M/i FinancialColumbus, OH | A | 2.8% | 661 | 0.9% | 5.88% |
| 4 | Coastal Community BankEverett, WA | C | 3.0% | 1,689 | 1.7% | 10.49% |
| 5 | Everett FinancialDallas, | C | 8.9% | 1,296 | 1.6% | 6.88% |
| 6 | Mason Mcduffie MortgageSan Ramon, CA | C | 6.3% | 387 | 2.1% | 6.62% |
| 7 | Crosscountry MortgageCleveland, OH | B | 5.7% | 3,942 | 2.1% | 6.63% |
| 8 | ServionNew Brighton, MN | B | 6.7% | 752 | 2.4% | 6.38% |
| 9 | Movement MortgageLancaster, SC | A | 4.8% | 634 | 2.5% | 6.75% |
| 10 | Luminate BankMinneapolis, MN | B | 4.3% | 1,809 | 2.3% | 6.63% |
| 11 | Guild MortgageSan Diego, CA | A | 4.7% | 1,061 | 2.5% | 6.75% |
| 12 | Liberty Bank MinnesotaSt. Cloud, MN | A | 3.3% | 335 | 3.0% | 6.75% |
| 13 | Cambria Financial GroupEden Prairie, MN | B | 3.2% | 573 | 3.3% | 6.50% |
| 14 | Fairway Independent MortgageMadison, WI | B | 6.1% | 3,327 | 3.2% | 6.75% |
| 15 | Swbc MortgageSan Antonio, TX | A | 4.0% | 576 | 3.5% | 6.63% |
| 16 | Lennar MortgageMiami, FL | A | 16.3% | 1,688 | 3.3% | 5.88% |
| 17 | Summit MortgagePlymouth, MN | B | 4.8% | 828 | 3.4% | 6.63% |
| 18 | CMG MortgageSan Ramon, CA | A | 5.6% | 1,098 | 3.1% | 6.75% |
| 19 | Prosperity Home MortgageFairfax, VA | A | 7.8% | 2,141 | 3.6% | 6.63% |
| 20 | Homeowners Financial Group USAScottadale, AZ | B | 4.8% | 589 | 3.4% | 6.63% |
| 21 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 10.8% | 541 | 4.1% | 6.75% |
| 22 | HomeTown BankCarver, MN | B | 4.2% | 362 | 3.9% | 6.75% |
| 23 | Granite BankCold Spring, MN | B | 6.2% | 1,738 | 4.0% | 6.63% |
| 24 | National Bank of CommerceSuperior, WI | B | 4.8% | 411 | 4.4% | 6.75% |
| 25 | North Shore Bank of CommerceDuluth, MN | B | 5.3% | 587 | 4.4% | 6.63% |
| 26 | Paramount Residential Mortgage GroupCorona, CA | B | 5.0% | 681 | 4.0% | 6.63% |
| 27 | Deerwood BankBaxter, | A | 5.2% | 1,074 | 4.8% | 7.25% |
| 28 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 578 | 4.3% | 6.63% |
| 29 | Merchants BankWinona, MN | A | 6.0% | 1,435 | 5.1% | 6.25% |
| 30 | Guaranteed Rate AffinityChicago, IL | A | 6.8% | 976 | 4.6% | 6.63% |
| 31 | Bell BankFargo, ND | A | 7.1% | 7,987 | 5.3% | 6.63% |
| 32 | Alerus FinancialGrand Forks, ND | B | 10.1% | 1,815 | 5.5% | 6.63% |
| 33 | Union Home MortgageStrongsville, OH | B | 6.7% | 533 | 5.4% | 6.50% |
| 34 | LowerColumbia, MD | C | 13.9% | 511 | 5.3% | 6.50% |
| 35 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 865 | 5.7% | 5.50% |
| 36 | ALTRA Federal Credit UnionOnalaska, WI | B | 9.3% | 738 | 6.5% | 6.60% |
| 37 | Frandsen Bank & TrustLonsdale, MN | B | 7.9% | 1,232 | 6.3% | 6.75% |
| 38 | Guaranteed RateChicago, IL | B | 9.2% | 2,417 | 5.5% | 6.58% |
| 39 | Zillow Home LoansIrvine, CA | B | 7.4% | 363 | 6.6% | 6.63% |
| 40 | Broker SolutionsTustin, CA | D | 18.0% | 3,246 | 5.5% | 6.75% |
| 41 | Baxter Credit UnionVernon Hills, IL | B | 20.2% | 731 | 9.2% | 6.88% |
| 42 | St. Cloud FinancialSartell, MN | B | 9.9% | 379 | 9.2% | 6.00% |
| 43 | Think Mutual BankRochester, MN | C | 12.3% | 995 | 9.4% | 6.69% |
| 44 | Compeer Financial, FlcaPrairie Du Sac, WI | C | 10.6% | 715 | 10.2% | 7.25% |
| 45 | Southpoint FinancialSleepy Eye, MN | C | 11.4% | 406 | 9.9% | — |
| 46 | Plains Commerce BankSioux Falls, SD | B | 10.0% | 597 | 8.5% | 6.63% |
| 47 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 8,694 | 10.6% | 6.38% |
| 48 | Minnwest BankRedwood Falls, MN | C | 11.9% | 681 | 10.6% | 6.81% |
| 49 | Mutual of Omaha MortgageSan Diego, CA | C | 22.6% | 941 | 10.2% | 6.43% |
| 50 | Royal Credit UnionEau Claire, WI | B | 11.4% | 2,342 | 11.0% | 6.75% |
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.
