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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | The Mortgage LinkRockville, MD | B | 1.5% | 860 | 0.4% | 6.38% |
| 2 | Associated MortgageTulsa, OK | A | 0.8% | 3,213 | 0.7% | 6.50% |
| 3 | Lendlo MortgageHouston, TX | A | 2.8% | 393 | 0.8% | 5.99% |
| 4 | Mld MortgageFlorham Park, NJ | A | 3.0% | 866 | 1.3% | 6.38% |
| 5 | Financial Concepts MortgageEdmond, OK | A | 1.4% | 590 | 1.4% | 6.50% |
| 6 | Flat Branch MortgageColumbia, MO | A | 1.2% | 1,843 | 1.3% | 6.49% |
| 7 | Canopy MortgageLindon, UT | B | 3.2% | 599 | 1.0% | 6.50% |
| 8 | Waterstone MortgageBrookfield, WI | C | 4.7% | 683 | 1.3% | 6.50% |
| 9 | Sovereign BankShawnee, OK | A | 1.9% | 515 | 1.8% | 6.99% |
| 10 | Valor BankEdmond, OK | A | 1.9% | 503 | 1.6% | — |
| 11 | Stride BankEnid, OK | A | 3.3% | 1,716 | 2.2% | 6.38% |
| 12 | Coastal Community BankEverett, WA | C | 3.0% | 1,235 | 1.9% | 10.49% |
| 13 | Cornerstone Capital BankHouston, TX | A | 2.2% | 562 | 2.3% | 6.50% |
| 14 | Firstar BankSallisaw, OK | B | 3.7% | 611 | 2.8% | 6.49% |
| 15 | Fairway Independent MortgageMadison, WI | B | 6.1% | 417 | 2.6% | 6.75% |
| 16 | F&M BankEdmond, OK | B | 3.9% | 360 | 3.3% | 6.88% |
| 17 | Mortgage Solutions of ColoradoColorado Springs, CO | C | 6.0% | 486 | 3.1% | 7.25% |
| 18 | Great Plains National BankElk City, OK | B | 3.9% | 1,838 | 3.3% | 6.50% |
| 19 | Gateway First BankJenks, OK | B | 5.3% | 2,161 | 3.3% | 6.50% |
| 20 | CMG MortgageSan Ramon, CA | A | 5.6% | 496 | 3.8% | 6.00% |
| 21 | The Central Trust BankJefferson City, MO | C | 10.4% | 713 | 4.5% | 6.63% |
| 22 | First United Bank and TrustDurant, OK | C | 8.1% | 5,630 | 5.9% | 6.88% |
| 23 | Union Home MortgageStrongsville, OH | B | 6.7% | 406 | 5.9% | 6.63% |
| 24 | Guild MortgageSan Diego, CA | A | 4.7% | 1,102 | 6.4% | 6.50% |
| 25 | American Bank of OklahomaCollinsville, OK | B | 9.3% | 334 | 8.4% | 6.50% |
| 26 | RCB BankClaremore, OK | B | 9.7% | 676 | 7.8% | 6.38% |
| 27 | BancFirstOklahoma City, OK | C | 10.2% | 4,799 | 10.0% | 7.38% |
| 28 | Armstrong BankMuskogee, OK | B | 9.7% | 1,013 | 10.1% | 7.10% |
| 29 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 1,089 | 9.7% | 4.99% |
| 30 | Lennar MortgageMiami, FL | A | 16.3% | 774 | 11.4% | 5.25% |
| 31 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 988 | 10.4% | 6.50% |
| 32 | Communication Federal Credit UnionOklahoma City, OK | C | 14.9% | 779 | 13.5% | 7.25% |
| 33 | Guaranteed RateChicago, IL | B | 9.2% | 706 | 8.1% | 6.53% |
| 34 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 3,735 | 13.8% | 6.13% |
| 35 | Southwest Stage FundingChandler, AZ | F | 18.9% | 779 | 9.8% | 8.00% |
| 36 | Oklahoma'S Credit UnionOklahoma City, OK | C | 17.2% | 369 | 15.2% | 7.25% |
| 37 | Freedom MortgageBoca Raton, FL | B | 14.6% | 2,105 | 10.6% | 6.25% |
| 38 | TTCU Federal Credit UnionTulsa, OK | B | 18.1% | 1,401 | 16.7% | 6.88% |
| 39 | Nationstar MortgageCoppell, TX | C | 18.8% | 797 | 16.1% | 7.13% |
| 40 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 2,144 | 12.0% | 6.25% |
| 41 | Arvest BankFayetteville, AR | C | 18.5% | 5,387 | 17.6% | 7.00% |
| 42 | Village Capital & InvestmentHenderson, NV | C | 25.5% | 538 | 17.7% | 5.75% |
| 43 | OKLAHOMA CENTRAL Credit UnionTulsa, OK | F | 29.0% | 432 | 19.9% | 7.24% |
| 44 | Tulsa Federal Credit UnionTulsa, OK | F | 24.5% | 610 | 19.7% | 7.88% |
| 45 | BOKFTulsa, OK | D | 27.5% | 4,227 | 20.2% | 6.63% |
| 46 | Rocket MortgagePlymouth, MI | C | 19.9% | 6,990 | 24.0% | 6.75% |
| 47 | Mutual of Omaha MortgageSan Diego, CA | C | 22.6% | 489 | 18.4% | 6.38% |
| 48 | Broker SolutionsTustin, CA | D | 18.0% | 1,581 | 12.0% | 6.88% |
| 49 | WEOKIE Federal Credit UnionOklahoma City, OK | D | 27.5% | 1,247 | 21.9% | 6.38% |
| 50 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 1,733 | 18.6% | 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.
