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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Emm LoansCherry Hill, NJ | B | 4.8% | 928 | 1.3% | 6.63% |
| 2 | CMG MortgageSan Ramon, CA | A | 5.6% | 3,499 | 2.5% | 6.63% |
| 3 | Coastal Community BankEverett, WA | C | 3.0% | 459 | 2.2% | 9.99% |
| 4 | Total Mortgage ServicesMilford, CT | B | 5.4% | 401 | 3.7% | 6.63% |
| 5 | Crosscountry MortgageCleveland, OH | B | 5.7% | 965 | 3.5% | 6.79% |
| 6 | Movement MortgageLancaster, SC | A | 4.8% | 444 | 4.3% | 6.63% |
| 7 | Guild MortgageSan Diego, CA | A | 4.7% | 970 | 5.5% | 6.63% |
| 8 | Guaranteed RateChicago, IL | B | 9.2% | 700 | 4.6% | 6.55% |
| 9 | Fairway Independent MortgageMadison, WI | B | 6.1% | 944 | 6.0% | 6.63% |
| 10 | Harborone MortgageBrockton, MA | B | 9.4% | 432 | 6.0% | 6.63% |
| 11 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 2,488 | 8.8% | 6.50% |
| 12 | Granite State Credit UnionManchester, NH | C | 10.6% | 542 | 7.8% | 7.50% |
| 13 | Holy Rosary Regional Credit UnionRochester, NH | A | 10.6% | 364 | 9.1% | 6.50% |
| 14 | Mascoma BankLebanon, NH | B | 16.0% | 580 | 12.4% | 6.99% |
| 15 | Freedom MortgageBoca Raton, FL | B | 14.6% | 729 | 8.4% | 6.25% |
| 16 | Nationstar MortgageCoppell, TX | C | 18.8% | 468 | 13.3% | 7.38% |
| 17 | Meredith Village Savings BankMeredith, NH | C | 16.1% | 900 | 13.3% | 7.25% |
| 18 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 680 | 11.8% | 6.63% |
| 19 | Loandepot.ComIrvine, CA | D | 26.7% | 936 | 14.6% | 6.75% |
| 20 | Rocket MortgagePlymouth, MI | C | 19.9% | 3,090 | 17.0% | 6.75% |
| 21 | Bellwether Community Credit UnionManchester, NH | B | 18.3% | 488 | 16.4% | 7.25% |
| 22 | Bangor Savings BankBangor, ME | B | 19.7% | 410 | 18.8% | 7.00% |
| 23 | The Camden National BankCamden, ME | A | 16.7% | 556 | 17.8% | 6.75% |
| 24 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 634 | 17.5% | 7.50% |
| 25 | St. Mary's Bank Credit UnionManchester, NH | B | 24.5% | 1,514 | 21.2% | 7.25% |
| 26 | Bar Harbor Bank & TrustBar Harbor, ME | D | 25.5% | 479 | 20.3% | 7.13% |
| 27 | DigitalSan Jose, CA | D | 29.9% | 1,129 | 20.3% | 7.74% |
| 28 | Citizens BankProvidence, RI | C | 32.5% | 4,969 | 24.3% | 7.40% |
| 29 | Mortgage Research CenterColumbia, MO | C | 28.1% | 806 | 17.9% | 6.13% |
| 30 | Figure LendingCharlotte, NC | C | 29.1% | 477 | 26.0% | 8.60% |
| 31 | TD BankWilmington, DE | D | 35.3% | 1,811 | 22.5% | 7.54% |
| 32 | Service Federal Credit UnionPortsmouth, NH | C | 30.5% | 2,300 | 25.5% | 6.49% |
| 33 | Eastern BankBoston, MA | B | 33.1% | 471 | 28.7% | 6.99% |
| 34 | NewrezWilmington, DE | D | 35.0% | 836 | 17.1% | 6.75% |
| 35 | Manufacturers and Traders TrustBuffalo, NY | C | 33.0% | 574 | 31.9% | 5.99% |
| 36 | Lighthouse Federal Credit UnionPortsmouth, NH | D | 36.3% | 1,311 | 34.3% | 7.49% |
| 37 | Bank of AmericaCharlotte, NC | F | 44.7% | 1,068 | 28.9% | 5.99% |
| 38 | Lakeview Loan ServicingCoral Gables, FL | C | 59.1% | 419 | 40.1% | 6.25% |
| 39 | Spring EqConshohocken, PA | D | 61.9% | 641 | 53.4% | 9.10% |
| 40 | AmeriSave MortgageSandy Springs, GA | D | 70.0% | 594 | 61.3% | 7.63% |
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.
