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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | NFMLinthicum, MD | A | 2.3% | 556 | 1.6% | 6.75% |
| 2 | Baycoast Mortgage CompanySwansea, MA | A | 5.4% | 548 | 2.9% | 6.50% |
| 3 | Guild MortgageSan Diego, CA | A | 4.7% | 731 | 3.2% | 6.63% |
| 4 | Movement MortgageLancaster, SC | A | 4.8% | 1,308 | 3.6% | 6.63% |
| 5 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 3.4% | 488 | 3.9% | 6.63% |
| 6 | Province Mortgage AssociatesEast Providence, RI | C | 7.2% | 355 | 6.2% | 6.75% |
| 7 | CMG MortgageSan Ramon, CA | A | 5.6% | 992 | 7.6% | 6.63% |
| 8 | Primary Residential MortgageSalt Lake City, UT | C | 7.4% | 1,056 | 8.4% | 6.63% |
| 9 | Centreville BankWest Warwick, RI | B | 14.0% | 542 | 12.9% | 6.49% |
| 10 | Navigant Credit UnionSmithfield, RI | B | 19.1% | 2,847 | 16.1% | 6.50% |
| 11 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 557 | 12.4% | 6.50% |
| 12 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 780 | 18.0% | 6.38% |
| 13 | Rocket MortgagePlymouth, MI | C | 19.9% | 1,430 | 19.7% | 6.75% |
| 14 | Westerly CommunityWakefield, RI | C | 20.7% | 575 | 17.2% | 6.99% |
| 15 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 526 | 16.7% | 7.34% |
| 16 | BankNewportMiddletown, RI | B | 23.8% | 1,014 | 19.7% | 6.63% |
| 17 | Greenwood Credit UnionWarwick, RI | C | 20.1% | 499 | 23.5% | 6.75% |
| 18 | COASTAL1 Credit UnionPawtucket, RI | B | 25.3% | 1,931 | 24.3% | 6.75% |
| 19 | The Washington Trust Company, of WesterlyWesterly, RI | C | 27.0% | 1,755 | 21.9% | 6.38% |
| 20 | Loandepot.ComIrvine, CA | D | 26.7% | 684 | 24.4% | 6.88% |
| 21 | Citizens BankProvidence, RI | C | 32.5% | 6,329 | 27.8% | 7.40% |
| 22 | NewrezWilmington, DE | D | 35.0% | 638 | 19.4% | 6.63% |
| 23 | Rhode Island Credit UnionWarwick, RI | F | 36.6% | 551 | 31.0% | 6.99% |
| 24 | Bank of AmericaCharlotte, NC | F | 44.7% | 1,298 | 39.1% | 6.24% |
| 25 | Spring EqConshohocken, PA | D | 61.9% | 364 | 53.3% | 9.23% |
| 26 | AmeriSave MortgageSandy Springs, GA | D | 70.0% | 339 | 61.4% | 8.50% |
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.
