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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | First Central Savings BankGlen Cove, | A | 1.1% | 496 | 0.8% | — |
| 2 | Velocity Commercial CapitalWestlake Village, CA | B | 1.2% | 771 | 0.9% | 10.05% |
| 3 | Ark MortgageMontebello, NY | B | 2.5% | 928 | 1.4% | 7.38% |
| 4 | Sefcu ServicesAlbany, NY | A | 2.1% | 2,747 | 1.9% | 6.13% |
| 5 | FM Home LoansNew York, NY | B | 1.6% | 1,321 | 1.8% | 6.88% |
| 6 | Home Town FundingPittsford, NY | A | 2.4% | 1,193 | 2.3% | 6.75% |
| 7 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 3.4% | 1,016 | 2.0% | 6.63% |
| 8 | Homestead FundingAlbany, NY | A | 2.4% | 4,860 | 2.1% | 6.49% |
| 9 | Farm Credit East, ACAEnfield, CT | A | 2.9% | 450 | 2.7% | 6.95% |
| 10 | Metro City BankDoraville, GA | B | 3.0% | 650 | 2.8% | 6.25% |
| 11 | Contour MortgageDover, DE | B | 3.3% | 2,863 | 2.3% | 6.63% |
| 12 | Premium MortgageRochester, NY | A | 3.5% | 5,816 | 3.0% | 6.63% |
| 13 | Nationwide Mortgage BankersLebanon, NJ | C | 3.9% | 2,912 | 3.0% | 6.75% |
| 14 | Citadel ServicingIrvine, CA | B | 3.9% | 559 | 3.6% | 7.25% |
| 15 | Interstate Home Loan CenterMelville, NY | C | 5.2% | 875 | 3.1% | 6.75% |
| 16 | Pittsford Federal Credit UnionPittsford, NY | A | 4.5% | 417 | 3.8% | 7.25% |
| 17 | 1st Priority MortgageWilliamsville, NY | A | 4.6% | 1,983 | 4.2% | 6.50% |
| 18 | Bank of HopeLos Angeles, CA | C | 9.1% | 646 | 4.5% | 6.13% |
| 19 | Embrace Home LoansMiddletown, RI | A | 6.0% | 377 | 4.8% | 6.50% |
| 20 | Morgan Stanley Private BankNew York, NY | A | 4.9% | 1,283 | 4.7% | 5.80% |
| 21 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 1,653 | 5.1% | 6.75% |
| 22 | Genesee Regional BankRochester, NY | B | 5.7% | 2,126 | 5.2% | 6.88% |
| 23 | Reliance First CapitalWilmington, DE | C | 4.8% | 796 | 5.0% | 6.63% |
| 24 | Reliant Home FundingNew York, NY | B | 6.6% | 471 | 4.3% | 6.50% |
| 25 | Movement MortgageLancaster, SC | A | 4.8% | 2,016 | 5.4% | 6.63% |
| 26 | United MortgageMelville, NY | C | 5.7% | 1,383 | 5.3% | 6.63% |
| 27 | Hunt MortgageBuffalo, NY | B | 5.6% | 1,118 | 5.5% | 6.63% |
| 28 | Cathay BankEl Monte, CA | A | 9.0% | 982 | 6.2% | 6.38% |
| 29 | Geddes Federal Savings and Loan AssociationSyracuse, NY | B | 7.1% | 467 | 6.4% | 6.25% |
| 30 | Crosscountry MortgageCleveland, OH | B | 5.7% | 7,792 | 5.5% | 6.75% |
| 31 | CliffcoUniondale, NY | C | 7.8% | 1,253 | 5.3% | 6.75% |
| 32 | Emporium TPONewark, DE | C | 8.5% | 815 | 7.2% | 7.25% |
| 33 | Meadowbrook Financial Mortgage BankersWestbury, NY | D | 8.4% | 1,294 | 4.7% | 6.75% |
| 34 | The Lyons National BankLyons, NY | B | 7.6% | 1,335 | 7.2% | 6.75% |
| 35 | East Coast CapitalMelville, NY | C | 7.0% | 1,277 | 5.3% | 6.75% |
| 36 | Royal Business BankLos Angeles, CA | C | 7.9% | 444 | 5.6% | 6.38% |
| 37 | Guaranteed RateChicago, IL | B | 9.2% | 2,146 | 4.4% | 6.63% |
| 38 | Guaranteed Rate AffinityChicago, IL | A | 6.8% | 794 | 4.0% | 6.50% |
| 39 | Absolute Home MortgageFairfield, NJ | C | 5.2% | 414 | 6.3% | 6.93% |
| 40 | Fairway Independent MortgageMadison, WI | B | 6.1% | 1,013 | 6.7% | 6.63% |
| 41 | CMG MortgageSan Ramon, CA | A | 5.6% | 2,112 | 6.9% | 6.38% |
| 42 | United Northern Mortgage BankersLevittown, NY | C | 7.4% | 786 | 6.7% | 6.62% |
| 43 | Broker SolutionsTustin, CA | D | 18.0% | 1,907 | 4.7% | 6.75% |
| 44 | Everett FinancialDallas, | C | 8.9% | 1,053 | 6.8% | 6.63% |
| 45 | Ulster Savings BankKingston, NY | B | 9.0% | 608 | 8.4% | 6.63% |
| 46 | Longbridge FinancialMahwah, NJ | F | 13.4% | 335 | 8.1% | 6.38% |
| 47 | US MortgageHuntington, NY | C | 8.0% | 398 | 7.5% | 6.63% |
| 48 | The Loan StoreSan Francisco, CA | B | 12.2% | 541 | 7.8% | 7.38% |
| 49 | UBS Bank USASalt Lake City, UT | A | 7.7% | 448 | 7.8% | 5.88% |
| 50 | Norwich Commercial GroupAvon, CT | C | 13.9% | 1,197 | 9.2% | 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.
