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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Dominion Financial ServicesBaltimore, MD | A | 0.0% | 459 | 0.0% | 7.38% |
| 2 | Mm LendingBardstown, KY | B | 0.0% | 464 | 0.0% | 12.00% |
| 3 | Rf Renovo Management CompanyChicago, IL | B | 0.3% | 901 | 0.3% | 7.66% |
| 4 | Rapid MortgageCincinnati, OH | B | 0.4% | 1,044 | 0.4% | 6.88% |
| 5 | First Ohio Home FinanceWesterville, OH | A | 0.7% | 791 | 0.5% | 6.75% |
| 6 | Howard Hanna Financial ServicesPittsburgh, PA | A | 1.5% | 2,100 | 0.9% | 6.63% |
| 7 | The Equitable MortgageDublin, OH | B | 2.3% | 752 | 0.9% | 6.50% |
| 8 | M/i FinancialColumbus, OH | A | 2.8% | 1,365 | 1.2% | 5.88% |
| 9 | NFMLinthicum, MD | A | 2.3% | 4,370 | 1.1% | 6.75% |
| 10 | Go MortgageBrookfield, WI | B | 3.2% | 371 | 1.4% | 6.75% |
| 11 | Gvc MortgagePendleton, IN | B | 2.9% | 543 | 1.5% | 6.75% |
| 12 | Coastal Community BankEverett, WA | C | 3.0% | 4,733 | 1.4% | 10.74% |
| 13 | Cornerstone First MortgageSan Diego, CA | C | 4.3% | 768 | 1.7% | 6.75% |
| 14 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 3.4% | 891 | 1.4% | 6.75% |
| 15 | Reliance First CapitalWilmington, DE | C | 4.8% | 685 | 2.2% | 6.75% |
| 16 | Western Ohio MortgageSidney, OH | B | 2.9% | 477 | 1.9% | — |
| 17 | DAS Acquisition CompanySt. Louis, MO | B | 3.0% | 1,131 | 2.3% | 6.75% |
| 18 | Ixonia BankIxonia, WI | C | 4.7% | 1,415 | 2.1% | 6.88% |
| 19 | Bayshore Mortgage FundingEdgewood, MD | C | 6.9% | 437 | 2.3% | 6.75% |
| 20 | Geneva FinancialChandler, AZ | C | 3.1% | 425 | 2.1% | 6.88% |
| 21 | Mechanics BankMansfield, OH | B | 3.7% | 628 | 3.5% | 6.19% |
| 22 | FREMONT Federal Credit UnionFremont, OH | A | 4.1% | 516 | 3.7% | 7.25% |
| 23 | Union Capital MortgageWestlake, OH | B | 4.5% | 738 | 3.5% | 6.50% |
| 24 | Crosscountry MortgageCleveland, OH | B | 5.7% | 16,066 | 3.1% | 6.75% |
| 25 | Fairway Independent MortgageMadison, WI | B | 6.1% | 3,509 | 3.4% | 6.75% |
| 26 | First Community MortgageMurfreesboro, TN | A | 7.1% | 1,518 | 3.8% | 6.63% |
| 27 | Victory MortgageErlanger, KY | A | 4.9% | 1,355 | 3.8% | 5.88% |
| 28 | Guild MortgageSan Diego, CA | A | 4.7% | 448 | 3.8% | 6.63% |
| 29 | Nations LendingIndependence, OH | B | 6.2% | 792 | 4.8% | 6.75% |
| 30 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 1,466 | 4.5% | 6.75% |
| 31 | Paramount Residential Mortgage GroupCorona, CA | B | 5.0% | 1,017 | 3.9% | 6.75% |
| 32 | Union Home MortgageStrongsville, OH | B | 6.7% | 7,114 | 4.6% | 6.75% |
| 33 | CMG MortgageSan Ramon, CA | A | 5.6% | 675 | 4.0% | 6.75% |
| 34 | The Genoa BankingGenoa, OH | A | 5.1% | 405 | 5.2% | — |
| 35 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 7.3% | 618 | 4.4% | 6.63% |
| 36 | Ruoff Mortgage CompanyFort Wayne, IN | A | 5.2% | 2,464 | 4.8% | 6.75% |
| 37 | Union Savings BankCincinnati, OH | A | 5.3% | 6,982 | 5.1% | 6.75% |
| 38 | T2 FinancialWesterville, OH | B | 6.8% | 795 | 5.3% | 6.75% |
| 39 | Guaranteed RateChicago, IL | B | 9.2% | 4,955 | 3.9% | 6.58% |
| 40 | Movement MortgageLancaster, SC | A | 4.8% | 662 | 5.4% | 6.75% |
| 41 | Liberty Home MortgageStrongsville, OH | D | 9.6% | 1,099 | 5.1% | 6.88% |
| 42 | LCNB National BankLebanon, OH | A | 7.4% | 587 | 6.5% | 6.50% |
| 43 | Rmc Home MortgageWexford, PA | B | 5.6% | 482 | 5.4% | 5.88% |
| 44 | Polaris Home FundingGrandville, MI | C | 10.3% | 1,021 | 6.9% | 6.75% |
| 45 | Synergy One LendingSan Diego, CA | C | 8.0% | 1,908 | 5.7% | 6.75% |
| 46 | Click n' CloseAddison, TX | C | 7.3% | 1,089 | 6.2% | 6.75% |
| 47 | Zillow Home LoansIrvine, CA | B | 7.4% | 663 | 6.3% | 6.63% |
| 48 | Your Home FinancialWestlake, OH | C | 8.1% | 470 | 6.0% | 6.63% |
| 49 | Guaranteed Rate AffinityChicago, IL | A | 6.8% | 1,074 | 5.9% | 6.63% |
| 50 | Provident Funding AssociatesSanta Rosa, CA | A | 9.4% | 423 | 6.4% | 6.38% |
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.
