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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Bravera BankDickinson, ND | A | 2.2% | 365 | 2.2% | — |
| 2 | TOWN AND COUNTRY Credit UnionMinot, ND | B | 3.2% | 571 | 2.1% | 6.25% |
| 3 | Fairway Independent MortgageMadison, WI | B | 6.1% | 497 | 3.0% | 6.40% |
| 4 | CapitalBismarck, ND | C | 4.9% | 646 | 3.7% | 7.00% |
| 5 | First International Bank & TrustWatford City, ND | B | 5.8% | 1,112 | 4.0% | 6.63% |
| 6 | Dakota Community Bank & TrustHebron, ND | B | 5.1% | 351 | 4.6% | 6.25% |
| 7 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 881 | 7.5% | 6.25% |
| 8 | Bell BankFargo, ND | A | 7.1% | 806 | 7.7% | 6.99% |
| 9 | First Community Credit UnionJamestown, ND | B | 8.1% | 675 | 7.1% | 6.49% |
| 10 | Gate City BankFargo, ND | C | 12.7% | 3,106 | 11.3% | 6.65% |
| 11 | Mortgage Research CenterColumbia, MO | C | 28.1% | 500 | 13.6% | 6.25% |
| 12 | Rocket MortgagePlymouth, MI | C | 19.9% | 827 | 21.6% | 6.63% |
| 13 | U.S. BankCincinnati, OH | D | 39.5% | 486 | 30.0% | 7.30% |
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.
