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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Evergreen Moneysource MortgageBellevue, WA | B | 1.5% | 638 | 0.8% | 6.88% |
| 2 | Nations Direct MortgageHenderson, NV | B | 7.9% | 1,728 | 1.2% | 6.49% |
| 3 | Paramount Residential Mortgage GroupCorona, CA | B | 5.0% | 833 | 1.3% | 6.38% |
| 4 | Clm MortgageHouston, TX | A | 0.9% | 355 | 1.7% | 5.49% |
| 5 | Go MortgageBrookfield, WI | B | 3.2% | 431 | 1.6% | 6.63% |
| 6 | Nations LendingIndependence, OH | B | 6.2% | 364 | 1.9% | 6.50% |
| 7 | Coastal Community BankEverett, WA | C | 3.0% | 1,438 | 1.9% | 9.99% |
| 8 | Guild MortgageSan Diego, CA | A | 4.7% | 6,034 | 2.6% | 6.55% |
| 9 | CMG MortgageSan Ramon, CA | A | 5.6% | 2,702 | 2.9% | 6.50% |
| 10 | Mortgage ExpressPortland, OR | A | 4.0% | 1,480 | 3.5% | 6.50% |
| 11 | Sierra Pacific Mortgage CompanyFolsom, CA | C | 10.2% | 593 | 3.4% | 6.50% |
| 12 | Provident Funding AssociatesSanta Rosa, CA | A | 9.4% | 735 | 3.3% | 6.38% |
| 13 | Summit FundingSacramento, CA | C | 7.8% | 1,044 | 3.6% | 6.63% |
| 14 | Guaranteed RateChicago, IL | B | 9.2% | 1,750 | 3.1% | 6.58% |
| 15 | Union Home MortgageStrongsville, OH | B | 6.7% | 984 | 4.2% | 6.50% |
| 16 | Directors MortgageLake Oswego, OR | B | 5.2% | 906 | 4.4% | 6.63% |
| 17 | Movement MortgageLancaster, SC | A | 4.8% | 1,364 | 4.7% | 6.75% |
| 18 | Sunflower BankDallas, TX | B | 5.8% | 462 | 4.1% | 6.49% |
| 19 | American Pacific MortgageRoseville, CA | C | 10.3% | 1,111 | 5.0% | 6.63% |
| 20 | Crosscountry MortgageCleveland, OH | B | 5.7% | 2,360 | 4.4% | 6.63% |
| 21 | Synergy One LendingSan Diego, CA | C | 8.0% | 747 | 5.2% | 6.50% |
| 22 | Lennar MortgageMiami, FL | A | 16.3% | 892 | 5.7% | 4.99% |
| 23 | Fairway Independent MortgageMadison, WI | B | 6.1% | 1,613 | 5.5% | 6.63% |
| 24 | The Loan StoreSan Francisco, CA | B | 12.2% | 1,078 | 7.6% | 6.63% |
| 25 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 733 | 7.2% | 5.50% |
| 26 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 6,600 | 10.4% | 6.25% |
| 27 | Rogue Credit UnionMedford, OR | C | 13.2% | 2,511 | 10.2% | 7.49% |
| 28 | Oregon CommunityEugene, OR | B | 14.1% | 2,232 | 12.1% | 7.50% |
| 29 | First Technology Federal Credit UnionSan Jose, CA | B | 15.5% | 2,230 | 12.6% | 7.38% |
| 30 | Oregon State Credit UnionCorvallis, OR | C | 14.3% | 1,292 | 11.5% | 7.50% |
| 31 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 2,642 | 10.2% | 6.62% |
| 32 | Broker SolutionsTustin, CA | D | 18.0% | 1,344 | 7.1% | 6.88% |
| 33 | Marion and Polk Schools Credit UnionSalem, OR | B | 15.6% | 1,115 | 13.0% | 7.25% |
| 34 | Freedom MortgageBoca Raton, FL | B | 14.6% | 1,717 | 9.3% | 6.13% |
| 35 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 1,381 | 11.8% | 6.38% |
| 36 | Onpoint Community Credit UnionPortland, OR | B | 17.5% | 10,710 | 15.7% | 7.50% |
| 37 | Mid OregonBend, OR | C | 17.5% | 799 | 14.6% | 7.99% |
| 38 | Oregonians Credit UnionMilwaukie, OR | A | 18.2% | 452 | 15.9% | 5.50% |
| 39 | Rocket MortgagePlymouth, MI | C | 19.9% | 6,649 | 16.3% | 6.75% |
| 40 | Nationstar MortgageCoppell, TX | C | 18.8% | 1,023 | 15.4% | 8.38% |
| 41 | Alliant Credit UnionChicago, IL | D | 34.0% | 509 | 16.7% | 8.25% |
| 42 | Loandepot.ComIrvine, CA | D | 26.7% | 1,991 | 15.5% | 6.75% |
| 43 | NewrezWilmington, DE | D | 35.0% | 2,945 | 12.9% | 6.63% |
| 44 | Plaza Home MortgageSan Diego, CA | C | 30.7% | 382 | 20.9% | 6.50% |
| 45 | Consolidated Federal Credit UnionPortland, OR | B | 25.2% | 478 | 19.9% | 4.99% |
| 46 | Mutual of Omaha MortgageSan Diego, CA | C | 22.6% | 709 | 17.6% | 6.25% |
| 47 | Embold Federal Credit UnionOak Grove, OR | C | 23.5% | 443 | 19.2% | 7.74% |
| 48 | Wells Fargo BankCharlotte, NC | B | 22.2% | 851 | 15.9% | 6.25% |
| 49 | Kind LendingIrvine, CA | C | 27.2% | 1,233 | 20.8% | 6.63% |
| 50 | First CommunityCoquille, OR | B | 24.5% | 1,844 | 19.0% | 5.50% |
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.
