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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Mortgage Investors GroupNashville, TN | B | 4.6% | 372 | 2.2% | 6.50% |
| 2 | Coastal Community BankEverett, WA | C | 3.0% | 787 | 2.4% | 10.49% |
| 3 | American Mortgage BankOklahoma City, OK | C | 5.7% | 762 | 3.7% | 6.25% |
| 4 | Citizens BankColumbia, MS | A | 4.9% | 364 | 5.0% | — |
| 5 | Magnolia BankHodgenville, KY | C | 10.3% | 509 | 4.9% | 6.38% |
| 6 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 10.8% | 485 | 6.6% | 6.25% |
| 7 | Crosscountry MortgageCleveland, OH | B | 5.7% | 941 | 4.5% | 6.63% |
| 8 | Guild MortgageSan Diego, CA | A | 4.7% | 1,142 | 5.9% | 6.50% |
| 9 | CMG MortgageSan Ramon, CA | A | 5.6% | 1,161 | 5.9% | 6.25% |
| 10 | BankFirst Financial ServicesMacon, MS | A | 7.5% | 1,044 | 7.4% | 7.00% |
| 11 | The Citizens Bank of Philadelphia, MississippiPhiladelphia, MS | C | 8.9% | 425 | 7.3% | — |
| 12 | Union Home MortgageStrongsville, OH | B | 6.7% | 398 | 7.5% | 6.25% |
| 13 | PriorityOne BankMagee, MS | B | 9.2% | 758 | 8.4% | 7.25% |
| 14 | Community Bank of MississippiFlowood, MS | C | 9.7% | 3,856 | 9.0% | 7.65% |
| 15 | Stockton MortgageFrankfort, KY | D | 10.8% | 579 | 7.8% | 6.63% |
| 16 | Planters Bank & TrustIndianola, MS | C | 9.7% | 453 | 9.9% | 8.25% |
| 17 | First Community MortgageMurfreesboro, TN | A | 7.1% | 324 | 11.7% | 6.38% |
| 18 | BankPlusRidgeland, MS | B | 12.2% | 2,638 | 10.7% | 6.50% |
| 19 | Unnamed lender 529900YKD9FOL6BFSG98 | C | 13.1% | 484 | 12.0% | — |
| 20 | Freedom MortgageBoca Raton, FL | B | 14.6% | 1,626 | 8.1% | 6.25% |
| 21 | Trustmark National BankJackson, MS | C | 14.7% | 5,531 | 12.5% | 6.75% |
| 22 | Planet Home LendingMeriden, CT | B | 17.5% | 362 | 13.0% | 6.25% |
| 23 | The Citizens National Bank of MeridianMeridian, MS | C | 14.9% | 464 | 13.6% | 6.99% |
| 24 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 2,109 | 13.9% | 6.13% |
| 25 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 432 | 12.3% | 6.50% |
| 26 | Renasant BankTupelo, MS | B | 11.6% | 3,188 | 14.3% | 6.99% |
| 27 | Guaranty Bank and TrustBelzoni, MS | D | 18.4% | 1,386 | 16.2% | 7.13% |
| 28 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 1,014 | 16.9% | 4.99% |
| 29 | Broker SolutionsTustin, CA | D | 18.0% | 1,585 | 9.7% | 6.88% |
| 30 | Nationstar MortgageCoppell, TX | C | 18.8% | 583 | 17.7% | 7.13% |
| 31 | Cadence BankTupelo, MS | B | 19.7% | 5,301 | 19.2% | 7.25% |
| 32 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 1,342 | 13.9% | 6.13% |
| 33 | Rocket MortgagePlymouth, MI | C | 19.9% | 4,636 | 24.8% | 6.63% |
| 34 | Mortgage Research CenterColumbia, MO | C | 28.1% | 2,628 | 19.1% | 6.38% |
| 35 | Hope Federal Credit UnionJackson, MS | D | 31.7% | 536 | 28.7% | 7.00% |
| 36 | Hancock Whitney BankGulfport, MS | B | 25.3% | 795 | 25.7% | 6.00% |
| 37 | Triad Financial ServicesJacksonville, FL | D | 51.5% | 3,140 | 34.4% | 8.76% |
| 38 | Loandepot.ComIrvine, CA | D | 26.7% | 1,195 | 29.5% | 6.50% |
| 39 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 1,519 | 23.8% | 6.63% |
| 40 | Figure LendingCharlotte, NC | C | 29.1% | 469 | 35.2% | 8.76% |
| 41 | New Day FinancialWest Palm Beach, FL | F | 54.3% | 966 | 20.7% | 6.99% |
| 42 | NewrezWilmington, DE | D | 35.0% | 1,088 | 27.7% | 6.25% |
| 43 | KeeslerBiloxi, MS | D | 48.6% | 2,422 | 40.4% | 6.75% |
| 44 | Regions BankBirmingham, AL | C | 43.1% | 4,916 | 44.7% | 5.75% |
| 45 | FirstBankNashville, TN | C | 42.8% | 1,217 | 53.2% | 9.49% |
| 46 | Lakeview Loan ServicingCoral Gables, FL | C | 59.1% | 368 | 48.1% | 6.56% |
| 47 | Carrington Mortgage ServicesOrange, CA | D | 54.2% | 474 | 48.5% | 6.56% |
| 48 | Spring EqConshohocken, PA | D | 61.9% | 395 | 50.6% | 9.40% |
| 49 | 21st MortgageKnoxville, TN | F | 71.8% | 6,764 | 48.5% | 10.56% |
| 50 | Vanderbilt Mortgage and FinanceMaryville, TN | F | 67.8% | 2,840 | 44.3% | 10.25% |
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.
