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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Panorama Mortgage GroupLas Vegas, NV | C | 3.0% | 500 | 0.6% | 7.00% |
| 2 | Evergreen Moneysource MortgageBellevue, WA | B | 1.5% | 636 | 0.8% | 6.63% |
| 3 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 4.6% | 514 | 0.8% | 6.63% |
| 4 | Premier Mortgage ResourcesMeridian, ID | B | 3.9% | 472 | 1.5% | 6.50% |
| 5 | Canopy MortgageLindon, UT | B | 3.2% | 441 | 1.8% | 6.63% |
| 6 | Guild MortgageSan Diego, CA | A | 4.7% | 5,533 | 2.6% | 6.50% |
| 7 | Paramount Residential Mortgage GroupCorona, CA | B | 5.0% | 546 | 2.6% | 6.50% |
| 8 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 442 | 3.6% | 6.49% |
| 9 | Fairway Independent MortgageMadison, WI | B | 6.1% | 620 | 4.4% | 6.75% |
| 10 | Crosscountry MortgageCleveland, OH | B | 5.7% | 2,251 | 4.6% | 6.75% |
| 11 | Movement MortgageLancaster, SC | A | 4.8% | 911 | 6.2% | 6.88% |
| 12 | Toll Brothers MortgageWilmington, DE | A | 10.5% | 500 | 6.4% | 6.49% |
| 13 | American Pacific MortgageRoseville, CA | C | 10.3% | 442 | 5.9% | 6.50% |
| 14 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 2,549 | 6.8% | 4.99% |
| 15 | Kiavi FundingWilmington, DE | D | 11.1% | 791 | 6.8% | 9.75% |
| 16 | Greater NevadaCarson City, NV | B | 8.1% | 806 | 7.0% | 6.38% |
| 17 | CMG MortgageSan Ramon, CA | A | 5.6% | 1,495 | 6.2% | 6.70% |
| 18 | Lennar MortgageMiami, FL | A | 16.3% | 2,107 | 7.1% | 4.75% |
| 19 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 10.8% | 476 | 8.2% | 6.75% |
| 20 | Homeamerican MortgageDenver, CO | A | 9.5% | 482 | 8.1% | 4.50% |
| 21 | Inspire Home LoansNewport Beach, CA | B | 11.9% | 469 | 9.0% | 4.88% |
| 22 | The Loan StoreSan Francisco, CA | B | 12.2% | 1,219 | 8.9% | 6.75% |
| 23 | Kbhs Home LoansIrving, TX | B | 9.8% | 1,132 | 9.5% | 5.88% |
| 24 | Freedom MortgageBoca Raton, FL | B | 14.6% | 2,502 | 6.4% | 6.13% |
| 25 | East West BankPasadena, CA | B | 11.6% | 381 | 9.2% | 6.50% |
| 26 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 6,913 | 11.4% | 6.31% |
| 27 | Securitynational MortgageSalt Lake City, UT | D | 14.3% | 543 | 9.0% | 6.75% |
| 28 | American Financial NetworkBrea, CA | C | 15.5% | 546 | 8.2% | 6.63% |
| 29 | Guaranteed RateChicago, IL | B | 9.2% | 1,862 | 8.6% | 6.75% |
| 30 | OCMBCIrvine, CA | C | 12.7% | 644 | 12.1% | 7.00% |
| 31 | Broker SolutionsTustin, CA | D | 18.0% | 2,559 | 8.9% | 6.75% |
| 32 | Nationstar MortgageCoppell, TX | C | 18.8% | 960 | 13.3% | 8.25% |
| 33 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 1,450 | 11.7% | 6.50% |
| 34 | Rocket MortgagePlymouth, MI | C | 19.9% | 6,889 | 15.4% | 6.88% |
| 35 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 3,188 | 12.5% | 6.62% |
| 36 | Mutual of Omaha MortgageSan Diego, CA | C | 22.6% | 862 | 17.5% | 6.38% |
| 37 | Loandepot.ComIrvine, CA | D | 26.7% | 2,484 | 18.2% | 6.99% |
| 38 | Pulte MortgageWilmington, DE | A | 15.3% | 1,251 | 17.5% | 5.63% |
| 39 | Village Capital & InvestmentHenderson, NV | C | 25.5% | 411 | 17.8% | 5.75% |
| 40 | Sofi BankCottonwood Heights, UT | D | 23.4% | 876 | 9.9% | 7.72% |
| 41 | Wells Fargo BankCharlotte, NC | B | 22.2% | 922 | 17.6% | 6.38% |
| 42 | Silver State Schools Service CompanyLas Vegas, NV | C | 28.1% | 848 | 26.1% | 5.99% |
| 43 | Figure LendingCharlotte, NC | C | 29.1% | 1,260 | 26.9% | 8.95% |
| 44 | Alliant Credit UnionChicago, IL | D | 34.0% | 338 | 26.6% | 8.00% |
| 45 | Kind LendingIrvine, CA | C | 27.2% | 627 | 26.5% | 6.63% |
| 46 | AMERICA FIRST Federal Credit UnionRiverdale, UT | C | 22.5% | 3,873 | 28.6% | 7.24% |
| 47 | Mortgage Research CenterColumbia, MO | C | 28.1% | 2,017 | 19.9% | 6.13% |
| 48 | United Federal Credit UnionSaint Joseph, MI | D | 27.5% | 962 | 28.9% | 7.05% |
| 49 | Clark County Credit UnionLas Vegas, NV | F | 34.1% | 1,469 | 25.7% | 7.75% |
| 50 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 2,579 | 24.5% | 7.75% |
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.
