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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Arbor BankOakland, IA | A | 0.9% | 419 | 0.5% | — |
| 2 | Coastal Community BankEverett, WA | C | 3.0% | 624 | 1.1% | 10.62% |
| 3 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 356 | 1.4% | 6.49% |
| 4 | Gershman InvestmentChesterfield, MO | B | 7.7% | 654 | 1.7% | 6.38% |
| 5 | Access BankOmaha, NE | A | 2.2% | 565 | 2.1% | 6.38% |
| 6 | Five Points BankGrand Island, | A | 2.5% | 341 | 2.4% | — |
| 7 | Churchill MortgageBrentwood, TN | B | 4.0% | 634 | 2.4% | 6.50% |
| 8 | Security First BankRapid City, SD | A | 3.1% | 380 | 2.6% | 6.75% |
| 9 | First BankSt. Louis, MO | C | 18.1% | 409 | 2.4% | 6.38% |
| 10 | Lincoln FSB of NebraskaLincoln, NE | A | 3.3% | 1,294 | 2.8% | 6.38% |
| 11 | Exchange BankKearney, NE | A | 3.6% | 373 | 3.2% | 7.50% |
| 12 | Guild MortgageSan Diego, CA | A | 4.7% | 626 | 3.5% | 6.38% |
| 13 | CMG MortgageSan Ramon, CA | A | 5.6% | 968 | 3.5% | 6.50% |
| 14 | Core BankOmaha, NE | A | 5.2% | 492 | 3.9% | 6.25% |
| 15 | Frontier BankOmaha, NE | B | 4.5% | 400 | 4.3% | 7.00% |
| 16 | Moria DevelopmentTempe, AZ | B | 3.2% | 394 | 3.6% | 6.63% |
| 17 | Pinnacle BankLincoln, NE | B | 4.8% | 3,371 | 4.3% | 6.95% |
| 18 | West Gate BankLincoln, NE | A | 4.8% | 2,040 | 5.0% | 6.50% |
| 19 | Cornhusker BankLincoln, NE | A | 5.5% | 478 | 5.0% | — |
| 20 | Fairway Independent MortgageMadison, WI | B | 6.1% | 885 | 4.8% | 6.13% |
| 21 | Guaranteed RateChicago, IL | B | 9.2% | 863 | 4.1% | 6.50% |
| 22 | Dayspring BankGothenburg, NE | A | 5.6% | 329 | 5.8% | 6.75% |
| 23 | Cobalt Credit UnionPapillion, NE | B | 10.0% | 510 | 7.5% | 6.99% |
| 24 | Charter West BankWest Point, NE | C | 8.6% | 2,258 | 6.6% | 6.50% |
| 25 | American National BankOmaha, NE | C | 8.2% | 424 | 7.8% | 6.75% |
| 26 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 1,558 | 8.2% | 6.37% |
| 27 | Plains Commerce BankSioux Falls, SD | B | 10.0% | 546 | 7.9% | 6.38% |
| 28 | Union Bank and TrustLincoln, NE | B | 11.7% | 1,835 | 10.0% | 6.50% |
| 29 | Veridian Credit UnionWaterloo, IA | B | 11.2% | 2,051 | 9.8% | 6.49% |
| 30 | Liberty First Credit UnionLincoln, NE | C | 13.0% | 659 | 9.6% | 6.63% |
| 31 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 500 | 10.4% | 5.50% |
| 32 | Freedom MortgageBoca Raton, FL | B | 14.6% | 898 | 9.1% | 6.25% |
| 33 | Nationstar MortgageCoppell, TX | C | 18.8% | 407 | 12.8% | 7.49% |
| 34 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 1,137 | 11.8% | 6.49% |
| 35 | Mortgage Research CenterColumbia, MO | C | 28.1% | 1,651 | 12.5% | 6.25% |
| 36 | Mutual of Omaha MortgageSan Diego, CA | C | 22.6% | 400 | 13.8% | 6.38% |
| 37 | Rocket MortgagePlymouth, MI | C | 19.9% | 3,384 | 17.6% | 6.75% |
| 38 | CentrisOmaha, NE | B | 20.0% | 2,002 | 16.3% | 6.25% |
| 39 | Wells Fargo BankCharlotte, NC | B | 22.2% | 515 | 16.9% | 6.38% |
| 40 | First National Bank of OmahaOmaha, NE | C | 25.9% | 2,902 | 19.6% | 7.00% |
| 41 | Figure LendingCharlotte, NC | C | 29.1% | 333 | 24.3% | 8.85% |
| 42 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 639 | 18.2% | 6.75% |
| 43 | Metro CUOmaha, NE | B | 28.4% | 1,077 | 25.5% | 5.75% |
| 44 | NewrezWilmington, DE | D | 35.0% | 657 | 16.4% | 6.50% |
| 45 | Loandepot.ComIrvine, CA | D | 26.7% | 507 | 30.2% | 6.99% |
| 46 | BMO BankChicago, IL | F | 40.5% | 609 | 30.1% | 8.73% |
| 47 | U.S. BankCincinnati, OH | D | 39.5% | 2,163 | 32.9% | 6.99% |
| 48 | First Interstate BankBillings, MT | D | 29.4% | 342 | 34.5% | 8.25% |
| 49 | 21st MortgageKnoxville, TN | F | 71.8% | 527 | 49.9% | 10.22% |
| 50 | AmeriSave MortgageSandy Springs, GA | D | 70.0% | 568 | 60.0% | 8.00% |
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.
