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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Family Finance MortgageArnold, MO | A | 0.0% | 305 | 0.0% | 6.63% |
| 2 | First State Bank of St. Charles, MissouriSt. Charles, MO | A | 0.0% | 1,609 | 0.0% | 6.50% |
| 3 | ASSEMBLIES OF GOD Credit UnionSpringfield, MO | A | 0.8% | 369 | 0.8% | 6.88% |
| 4 | Flat Branch MortgageColumbia, MO | A | 1.2% | 8,999 | 0.9% | 6.63% |
| 5 | Community MortgageKansas City, MO | A | 1.6% | 819 | 1.3% | 6.38% |
| 6 | Delmar FinancialSaint Louis, MO | A | 1.5% | 874 | 1.4% | 6.63% |
| 7 | Sullivan BankSullivan, MO | A | 1.6% | 484 | 1.7% | 7.50% |
| 8 | Geneva FinancialChandler, AZ | C | 3.1% | 861 | 1.3% | 6.75% |
| 9 | Mid-Missouri BankSpringfield, MO | A | 2.7% | 441 | 2.3% | — |
| 10 | Stifel Bank and TrustSaint Louis, MO | A | 2.3% | 1,722 | 2.3% | 6.38% |
| 11 | DAS Acquisition CompanySt. Louis, MO | B | 3.0% | 4,130 | 2.5% | 6.75% |
| 12 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 1,896 | 2.4% | 6.50% |
| 13 | Guild MortgageSan Diego, CA | A | 4.7% | 7,388 | 2.5% | 6.63% |
| 14 | Oakstar BankSpringfield, MO | A | 4.7% | 840 | 3.0% | 7.25% |
| 15 | Endeavor Capital, LLC.Chesterfield, MO | C | 5.0% | 906 | 2.5% | 6.62% |
| 16 | Guaranty BankSpringfield, MO | A | 3.5% | 366 | 3.0% | — |
| 17 | Summit FundingSacramento, CA | C | 7.8% | 365 | 3.0% | 6.75% |
| 18 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 7.3% | 667 | 3.0% | 6.63% |
| 19 | M Squared FinancialPrairie Village, KS | B | 2.7% | 530 | 3.0% | 6.50% |
| 20 | Nations LendingIndependence, OH | B | 6.2% | 461 | 3.7% | 6.75% |
| 21 | The Bank of Old MonroeOld Monroe, MO | A | 4.1% | 372 | 3.8% | — |
| 22 | Click n' CloseAddison, TX | C | 7.3% | 566 | 3.4% | 6.50% |
| 23 | Community National Bank & TrustChanute, KS | C | 5.6% | 385 | 3.9% | 7.58% |
| 24 | Fairway Independent MortgageMadison, WI | B | 6.1% | 3,034 | 3.7% | 6.63% |
| 25 | Midwest BankCentreSaint Louis, MO | B | 5.2% | 430 | 4.0% | 6.50% |
| 26 | JlbSaint Louis, MO | C | 6.0% | 653 | 4.1% | 6.25% |
| 27 | Freedom Bank of Southern MissouriCassville, MO | A | 4.9% | 312 | 4.8% | — |
| 28 | Old Missouri BankSpringfield, MO | B | 5.3% | 519 | 4.4% | — |
| 29 | Crosscountry MortgageCleveland, OH | B | 5.7% | 1,787 | 4.0% | 6.69% |
| 30 | Guaranteed Rate AffinityChicago, IL | A | 6.8% | 1,154 | 4.2% | 6.53% |
| 31 | The Nodaway Valley BankMaryville, MO | B | 5.8% | 386 | 5.2% | — |
| 32 | Southern BankPoplar Bluff, MO | A | 5.8% | 1,327 | 5.2% | 7.50% |
| 33 | FCB BanksCollinsville, IL | C | 9.4% | 482 | 5.6% | 7.05% |
| 34 | Everett FinancialDallas, | C | 8.9% | 538 | 4.5% | 6.88% |
| 35 | HNB National BankHannibal, MO | B | 6.2% | 490 | 6.3% | 7.00% |
| 36 | Mid America BankJefferson City, MO | B | 6.4% | 447 | 5.6% | — |
| 37 | CMG MortgageSan Ramon, CA | A | 5.6% | 475 | 5.3% | 6.63% |
| 38 | Bpl Mortgage TrustTampa, FL | D | 13.8% | 453 | 6.8% | 7.38% |
| 39 | River Region Credit UnionJefferson City, MO | A | 7.3% | 1,485 | 7.1% | — |
| 40 | Btc BankBethany, MO | B | 7.3% | 561 | 7.1% | — |
| 41 | American Pacific MortgageRoseville, CA | C | 10.3% | 878 | 6.4% | 6.63% |
| 42 | Gershman InvestmentChesterfield, MO | B | 7.7% | 2,317 | 6.3% | 6.63% |
| 43 | Truist BankCharlotte, NC | C | 40.8% | 411 | 7.1% | 6.50% |
| 44 | Bell BankFargo, ND | A | 7.1% | 547 | 7.0% | 6.50% |
| 45 | Carrollton BankCarrollton, IL | A | 7.4% | 881 | 7.3% | 6.75% |
| 46 | Prosperity Home MortgageFairfax, VA | A | 7.8% | 901 | 6.7% | 6.50% |
| 47 | Union Home MortgageStrongsville, OH | B | 6.7% | 364 | 7.7% | 6.50% |
| 48 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 6,710 | 8.0% | 6.55% |
| 49 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 10.8% | 349 | 9.5% | 6.63% |
| 50 | Leaderone FinancialOverland Park, KS | D | 12.7% | 2,189 | 8.0% | 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.
