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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Citizens Bank of Las CrucesLas Cruces, NM | A | 3.5% | 394 | 3.3% | 6.63% |
| 2 | Sunflower BankDallas, TX | B | 5.8% | 501 | 2.8% | 6.49% |
| 3 | Coastal Community BankEverett, WA | C | 3.0% | 597 | 2.7% | 10.24% |
| 4 | Waterstone MortgageBrookfield, WI | C | 4.7% | 2,740 | 3.2% | 6.88% |
| 5 | Bell BankFargo, ND | A | 7.1% | 510 | 3.5% | 6.38% |
| 6 | Click n' CloseAddison, TX | C | 7.3% | 474 | 4.0% | 6.50% |
| 7 | Crosscountry MortgageCleveland, OH | B | 5.7% | 775 | 3.6% | 6.38% |
| 8 | Guild MortgageSan Diego, CA | A | 4.7% | 3,186 | 4.3% | 6.63% |
| 9 | Primary Residential MortgageSalt Lake City, UT | C | 7.4% | 1,497 | 4.9% | 6.63% |
| 10 | CMG MortgageSan Ramon, CA | A | 5.6% | 1,225 | 5.3% | 6.63% |
| 11 | Directors MortgageLake Oswego, OR | B | 5.2% | 537 | 6.5% | 6.88% |
| 12 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 571 | 7.2% | 6.63% |
| 13 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 843 | 7.7% | 6.50% |
| 14 | Sunward Federal Credit UnionAlbuquerque, NM | B | 10.1% | 1,765 | 9.1% | 6.50% |
| 15 | Pulte MortgageWilmington, DE | A | 15.3% | 470 | 10.2% | 4.99% |
| 16 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 3,251 | 12.8% | 6.13% |
| 17 | Del Norte Credit UnionSanta Fe, NM | C | 16.7% | 462 | 13.6% | 5.88% |
| 18 | Nationstar MortgageCoppell, TX | C | 18.8% | 676 | 14.1% | 7.49% |
| 19 | NusendaAlbuquerque, NM | D | 18.4% | 2,962 | 13.7% | 8.00% |
| 20 | Freedom MortgageBoca Raton, FL | B | 14.6% | 1,304 | 9.7% | 6.25% |
| 21 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 1,330 | 12.3% | 6.38% |
| 22 | U.S. EagleAlbuquerque, NM | D | 21.5% | 554 | 17.9% | 6.99% |
| 23 | State Employees Credit UnionSanta Fe, NM | D | 21.7% | 422 | 19.0% | 7.25% |
| 24 | Rocket MortgagePlymouth, MI | C | 19.9% | 4,440 | 20.5% | 6.75% |
| 25 | BOKFTulsa, OK | D | 27.5% | 1,345 | 17.1% | 6.63% |
| 26 | Broker SolutionsTustin, CA | D | 18.0% | 994 | 10.3% | 6.88% |
| 27 | Wells Fargo BankCharlotte, NC | B | 22.2% | 485 | 16.7% | 6.50% |
| 28 | Kirtland Federal Credit UnionAlbuquerque, NM | D | 24.2% | 891 | 22.3% | 7.50% |
| 29 | Mortgage Research CenterColumbia, MO | C | 28.1% | 1,683 | 15.9% | 6.25% |
| 30 | Kind LendingIrvine, CA | C | 27.2% | 449 | 22.3% | 6.63% |
| 31 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 720 | 20.1% | 4.99% |
| 32 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 1,085 | 17.3% | 6.63% |
| 33 | Figure LendingCharlotte, NC | C | 29.1% | 443 | 27.5% | 8.60% |
| 34 | Sandia AreaAlbuquerque, NM | F | 30.0% | 728 | 24.9% | — |
| 35 | Loandepot.ComIrvine, CA | D | 26.7% | 1,441 | 24.6% | 6.75% |
| 36 | NewrezWilmington, DE | D | 35.0% | 935 | 20.1% | 6.75% |
| 37 | Lakeview Loan ServicingCoral Gables, FL | C | 59.1% | 465 | 37.6% | 6.43% |
| 38 | BMO BankChicago, IL | F | 40.5% | 441 | 37.6% | 8.48% |
| 39 | Bank of AmericaCharlotte, NC | F | 44.7% | 1,033 | 40.6% | 6.25% |
| 40 | U.S. BankCincinnati, OH | D | 39.5% | 825 | 45.6% | 7.64% |
| 41 | Spring EqConshohocken, PA | D | 61.9% | 559 | 48.8% | 9.28% |
| 42 | Triad Financial ServicesJacksonville, FL | D | 51.5% | 478 | 63.0% | 8.98% |
| 43 | 21st MortgageKnoxville, TN | F | 71.8% | 3,992 | 45.5% | 9.60% |
| 44 | AmeriSave MortgageSandy Springs, GA | D | 70.0% | 887 | 64.9% | 7.88% |
| 45 | Vanderbilt Mortgage and FinanceMaryville, TN | F | 67.8% | 2,085 | 46.4% | 9.99% |
| 46 | Credit Human Federal Credit UnionSan Antonio, TX | D | 74.7% | 361 | 81.2% | 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.
