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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Rf Renovo Management CompanyChicago, IL | B | 0.3% | 883 | 0.1% | 9.50% |
| 2 | Velocity Commercial CapitalWestlake Village, CA | B | 1.2% | 635 | 0.3% | 9.99% |
| 3 | FM Home LoansNew York, NY | B | 1.6% | 786 | 0.5% | 6.99% |
| 4 | Acre Mortgage & FinancialMarlton, NJ | C | 2.9% | 419 | 1.0% | 6.63% |
| 5 | Affordable Mortgage Advisors, LLC.Pittsburgh, PA | B | 2.4% | 2,090 | 2.0% | 6.63% |
| 6 | Coastal Community BankEverett, WA | C | 3.0% | 4,026 | 2.0% | 10.49% |
| 7 | Embrace Home LoansMiddletown, RI | A | 6.0% | 730 | 2.6% | 6.50% |
| 8 | Ark MortgageMontebello, NY | B | 2.5% | 531 | 2.3% | 7.25% |
| 9 | Citadel ServicingIrvine, CA | B | 3.9% | 485 | 2.9% | 7.63% |
| 10 | Nationwide Mortgage BankersLebanon, NJ | C | 3.9% | 722 | 2.6% | 6.75% |
| 11 | Morgan Stanley Private BankNew York, NY | A | 4.9% | 727 | 2.9% | 5.90% |
| 12 | NFMLinthicum, MD | A | 2.3% | 1,354 | 2.9% | 6.63% |
| 13 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 3.4% | 2,861 | 2.5% | 6.63% |
| 14 | NJ LendersWilmington, DE | A | 5.2% | 1,098 | 3.0% | 6.63% |
| 15 | Advisors Mortgage GroupOcean, NJ | B | 5.5% | 2,323 | 3.7% | 6.63% |
| 16 | Guaranteed Rate AffinityChicago, IL | A | 6.8% | 1,709 | 3.1% | 6.58% |
| 17 | Luminate BankMinneapolis, MN | B | 4.3% | 1,631 | 3.1% | 6.49% |
| 18 | Absolute Home MortgageFairfield, NJ | C | 5.2% | 2,305 | 3.3% | 6.63% |
| 19 | Cornerstone First MortgageSan Diego, CA | C | 4.3% | 583 | 3.1% | 6.88% |
| 20 | Nation One MortgageMarlton, NJ | C | 3.9% | 1,610 | 3.9% | 6.63% |
| 21 | Kwik MortgageParsippany, NJ | A | 4.3% | 463 | 3.5% | 6.38% |
| 22 | Paramount Residential Mortgage GroupCorona, CA | B | 5.0% | 2,234 | 3.8% | 6.63% |
| 23 | Lennar MortgageMiami, FL | A | 16.3% | 745 | 4.4% | 5.88% |
| 24 | Mld MortgageFlorham Park, NJ | A | 3.0% | 746 | 5.0% | 6.49% |
| 25 | United MortgageMelville, NY | C | 5.7% | 467 | 4.9% | 6.75% |
| 26 | Gateway First BankJenks, OK | B | 5.3% | 477 | 4.4% | 6.63% |
| 27 | Bond Street MortgageParamus, NJ | B | 5.8% | 768 | 4.6% | 6.62% |
| 28 | Prosperity Home MortgageFairfax, VA | A | 7.8% | 1,469 | 4.6% | 6.63% |
| 29 | Emm LoansCherry Hill, NJ | B | 4.8% | 851 | 5.2% | 6.63% |
| 30 | American Federal MortgageChester, NJ | B | 5.5% | 741 | 3.9% | 6.25% |
| 31 | Fairway Independent MortgageMadison, WI | B | 6.1% | 1,213 | 4.7% | 6.75% |
| 32 | Union Home MortgageStrongsville, OH | B | 6.7% | 1,110 | 5.0% | 6.50% |
| 33 | Mortgage AccessMorris Plains, NJ | B | 5.3% | 852 | 4.9% | 6.63% |
| 34 | Constructive LoansTampa, FL | C | 6.8% | 417 | 6.5% | 7.06% |
| 35 | Kearny BankKearny, NJ | B | 7.1% | 568 | 5.6% | 6.13% |
| 36 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 769 | 5.6% | 6.50% |
| 37 | Crosscountry MortgageCleveland, OH | B | 5.7% | 12,042 | 5.3% | 6.75% |
| 38 | First Alliance Home MortgageCranford, NJ | C | 7.4% | 607 | 5.3% | 6.63% |
| 39 | First Colony MortgageOrem, UT | A | 5.6% | 910 | 7.0% | 6.63% |
| 40 | Mlb Residential LendingSpringfield, NJ | F | 25.0% | 426 | 6.8% | 6.88% |
| 41 | Guaranteed RateChicago, IL | B | 9.2% | 8,643 | 5.5% | 6.58% |
| 42 | Unity BankClinton, NJ | C | 9.9% | 439 | 7.3% | 7.00% |
| 43 | Kiavi FundingWilmington, DE | D | 11.1% | 1,556 | 7.4% | 10.24% |
| 44 | Emporium TPONewark, DE | C | 8.5% | 591 | 9.0% | 7.38% |
| 45 | Provident Funding AssociatesSanta Rosa, CA | A | 9.4% | 670 | 6.6% | 6.38% |
| 46 | Movement MortgageLancaster, SC | A | 4.8% | 2,422 | 8.2% | 6.63% |
| 47 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 7.3% | 417 | 7.2% | 6.38% |
| 48 | CMG MortgageSan Ramon, CA | A | 5.6% | 3,879 | 7.0% | 6.75% |
| 49 | K. Hovnanian American MortgagePerth Amboy, FL | B | 15.0% | 431 | 8.4% | 6.88% |
| 50 | 1st Colonial Community BankMount Laurel, NJ | C | 10.1% | 713 | 8.3% | 6.88% |
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.
