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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | M/i FinancialColumbus, OH | A | 2.8% | 814 | 0.4% | 5.88% |
| 2 | Atlantic Coast MortgageFairfax, VA | A | 2.1% | 833 | 0.5% | 6.63% |
| 3 | American Security MortgageCharlotte, NC | A | 0.9% | 3,413 | 0.8% | 6.38% |
| 4 | Corporate Investors Mortgage GroupChapel Hill, NC | A | 1.0% | 717 | 1.0% | 6.50% |
| 5 | Howard Hanna Financial ServicesPittsburgh, PA | A | 1.5% | 1,103 | 0.9% | 6.63% |
| 6 | Jet HomeloansJacksonville, FL | A | 6.0% | 1,002 | 1.0% | 4.99% |
| 7 | Southern Trust MortgageVirginia Beach, VA | B | 4.0% | 591 | 1.0% | 6.50% |
| 8 | Unnamed lender 254900YZ174H294JW398 | A | 2.8% | 326 | 1.2% | 6.38% |
| 9 | LoansteadyMclean, VA | A | 3.8% | 428 | 1.2% | 6.49% |
| 10 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 1.9% | 7,671 | 1.1% | 6.63% |
| 11 | Cornerstone Capital BankHouston, TX | A | 2.2% | 1,081 | 1.5% | 6.25% |
| 12 | NFMLinthicum, MD | A | 2.3% | 1,412 | 1.5% | 6.49% |
| 13 | Alcova MortgageRoanoke, VA | A | 3.2% | 2,144 | 1.8% | 6.63% |
| 14 | Coastal Community BankEverett, WA | C | 3.0% | 4,068 | 1.7% | 10.24% |
| 15 | Ixonia BankIxonia, WI | C | 4.7% | 1,040 | 1.7% | 6.75% |
| 16 | Intercoastal MortgageReston, VA | A | 3.3% | 554 | 2.4% | 6.63% |
| 17 | North State BankRaleigh, NC | A | 2.5% | 596 | 2.2% | 6.63% |
| 18 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 4.6% | 452 | 2.0% | 6.63% |
| 19 | GoPrime MortgageApex, NC | B | 6.8% | 809 | 2.2% | 6.50% |
| 20 | General Mortgage CapitalBurlingame, CA | A | 1.4% | 328 | 2.4% | 6.50% |
| 21 | First Home MortgageBaltimore, MD | B | 3.0% | 440 | 2.3% | 6.50% |
| 22 | Movement MortgageLancaster, SC | A | 4.8% | 11,091 | 2.6% | 6.63% |
| 23 | Primis MortgageRaleigh, NC | B | 3.1% | 1,215 | 2.4% | 6.62% |
| 24 | Envoy MortgageHouston, TX | D | 22.7% | 478 | 2.3% | 6.63% |
| 25 | Renasant BankTupelo, MS | B | 11.6% | 350 | 2.9% | 6.50% |
| 26 | First Heritage MortgageFairfax, VA | A | 4.2% | 861 | 2.8% | 6.50% |
| 27 | Guild MortgageSan Diego, CA | A | 4.7% | 2,711 | 3.0% | 6.50% |
| 28 | Integrity Home MortgageWinchester, VA | B | 4.4% | 959 | 3.2% | 6.63% |
| 29 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 6.0% | 597 | 3.0% | 7.75% |
| 30 | Reliance First CapitalWilmington, DE | C | 4.8% | 705 | 3.1% | 6.63% |
| 31 | Velocio MortgageSan Antonio, TX | A | 3.9% | 721 | 3.2% | 4.99% |
| 32 | Zillow Home LoansIrvine, CA | B | 7.4% | 1,401 | 3.1% | 6.50% |
| 33 | Morgan Stanley Private BankNew York, NY | A | 4.9% | 379 | 3.4% | 5.95% |
| 34 | Highlands Residential MortgageAllen, TX | B | 2.3% | 1,583 | 3.4% | 6.63% |
| 35 | Crosscountry MortgageCleveland, OH | B | 5.7% | 6,790 | 2.9% | 6.58% |
| 36 | Fbc MortgageOrlando, FL | B | 6.6% | 408 | 3.4% | 5.49% |
| 37 | Emm LoansCherry Hill, NJ | B | 4.8% | 405 | 3.7% | 6.38% |
| 38 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 510 | 3.9% | 6.49% |
| 39 | Union Home MortgageStrongsville, OH | B | 6.7% | 2,766 | 3.8% | 6.56% |
| 40 | Fairway Independent MortgageMadison, WI | B | 6.1% | 3,893 | 4.0% | 6.63% |
| 41 | Plains Commerce BankSioux Falls, SD | B | 10.0% | 455 | 3.7% | 6.63% |
| 42 | Provident Funding AssociatesSanta Rosa, CA | A | 9.4% | 976 | 4.2% | 6.38% |
| 43 | Canopy MortgageLindon, UT | B | 3.2% | 460 | 4.1% | 6.50% |
| 44 | Taylor Morrison Home FundingMaitland, FL | A | 15.6% | 778 | 5.0% | 5.75% |
| 45 | Uwharrie BankAlbemarle, NC | B | 6.2% | 795 | 5.2% | 7.00% |
| 46 | OriginPointChicago, IL | B | 5.3% | 455 | 4.2% | 6.38% |
| 47 | Ameris BankAtlanta, GA | B | 10.5% | 847 | 4.8% | 6.63% |
| 48 | Skyline National BankIndependence, VA | B | 5.7% | 329 | 5.8% | — |
| 49 | Prosperity Home MortgageFairfax, VA | A | 7.8% | 1,706 | 5.1% | 6.49% |
| 50 | Click n' CloseAddison, TX | C | 7.3% | 608 | 4.6% | 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.
