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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Unnamed lender 894500CFQPXSLHK0OK52 | B | 0.7% | 760 | 0.5% | 6.63% |
| 2 | Delmar FinancialSaint Louis, MO | A | 1.5% | 347 | 1.2% | 6.49% |
| 3 | Northpoint MortgageSturbridge, MA | A | 3.5% | 525 | 1.5% | 6.63% |
| 4 | Nation One MortgageMarlton, NJ | C | 3.9% | 448 | 1.6% | 6.50% |
| 5 | Southern First BankGreenville, SC | B | 12.6% | 1,204 | 1.7% | 6.88% |
| 6 | The Conway National BankConway, SC | B | 2.4% | 330 | 2.4% | — |
| 7 | Resource Financial ServicesColumbia, SC | B | 2.3% | 905 | 2.0% | 6.38% |
| 8 | AcopiaGoodlettsville, TN | A | 4.1% | 477 | 2.3% | 5.99% |
| 9 | Atlantic Coast MortgageFairfax, VA | A | 2.1% | 477 | 2.5% | 6.63% |
| 10 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 711 | 2.4% | 6.62% |
| 11 | Carolina One MortgageNorth Charleston, SC | B | 3.0% | 819 | 2.2% | 6.50% |
| 12 | Renasant BankTupelo, MS | B | 11.6% | 656 | 2.7% | 6.50% |
| 13 | First Heritage MortgageFairfax, VA | A | 4.2% | 1,619 | 3.0% | 6.25% |
| 14 | Movement MortgageLancaster, SC | A | 4.8% | 4,069 | 3.1% | 6.56% |
| 15 | Assurance Financial GroupBaton Rouge, LA | C | 5.9% | 380 | 3.2% | 6.63% |
| 16 | Velocio MortgageSan Antonio, TX | A | 3.9% | 493 | 3.7% | 4.99% |
| 17 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 1.9% | 1,301 | 3.2% | 6.62% |
| 18 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 2,046 | 4.0% | 6.38% |
| 19 | Integrity Home MortgageWinchester, VA | B | 4.4% | 415 | 4.1% | 6.63% |
| 20 | First Community BankLexington, SC | B | 4.8% | 575 | 4.0% | 6.70% |
| 21 | Gateway First BankJenks, OK | B | 5.3% | 880 | 3.9% | 6.63% |
| 22 | First Reliance BankFlorence, SC | A | 6.2% | 1,118 | 4.3% | 6.63% |
| 23 | First Palmetto BankCamden, SC | B | 5.4% | 518 | 4.6% | 6.50% |
| 24 | Towne MortgageTroy, MI | B | 4.4% | 444 | 5.2% | 6.38% |
| 25 | Guild MortgageSan Diego, CA | A | 4.7% | 3,859 | 4.8% | 6.63% |
| 26 | Toll Brothers MortgageWilmington, DE | A | 10.5% | 444 | 5.4% | 6.49% |
| 27 | Zillow Home LoansIrvine, CA | B | 7.4% | 407 | 4.7% | 6.50% |
| 28 | A&D MortgageFort Lauderdale, FL | C | 13.1% | 411 | 4.6% | 6.50% |
| 29 | Anderson Brothers BankMullins, SC | B | 6.1% | 570 | 4.9% | — |
| 30 | Crosscountry MortgageCleveland, OH | B | 5.7% | 3,653 | 4.0% | 6.63% |
| 31 | CountybankGreenwood, SC | B | 6.5% | 599 | 5.0% | 6.62% |
| 32 | Fairway Independent MortgageMadison, WI | B | 6.1% | 1,768 | 5.2% | 6.75% |
| 33 | Alcova MortgageRoanoke, VA | A | 3.2% | 566 | 5.7% | 6.63% |
| 34 | Guaranteed Rate AffinityChicago, IL | A | 6.8% | 623 | 4.5% | 6.50% |
| 35 | The Loan StoreSan Francisco, CA | B | 12.2% | 897 | 7.0% | 6.63% |
| 36 | CMG MortgageSan Ramon, CA | A | 5.6% | 1,895 | 6.1% | 6.63% |
| 37 | Fbc MortgageOrlando, FL | B | 6.6% | 988 | 7.2% | 5.49% |
| 38 | Jet HomeloansJacksonville, FL | A | 6.0% | 972 | 6.1% | 4.99% |
| 39 | Union Home MortgageStrongsville, OH | B | 6.7% | 686 | 6.6% | 6.50% |
| 40 | Ameris BankAtlanta, GA | B | 10.5% | 2,512 | 7.8% | 6.49% |
| 41 | LowerColumbia, MD | C | 13.9% | 2,142 | 7.4% | 6.63% |
| 42 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 7.3% | 670 | 7.6% | 6.38% |
| 43 | Guaranteed RateChicago, IL | B | 9.2% | 1,988 | 6.2% | 6.58% |
| 44 | Pulte MortgageWilmington, DE | A | 15.3% | 1,526 | 8.1% | 5.99% |
| 45 | T2 FinancialWesterville, OH | B | 6.8% | 791 | 9.0% | 6.75% |
| 46 | Arthur State BankUnion, SC | C | 10.2% | 369 | 9.2% | 7.13% |
| 47 | Coastal Carolina National BankMyrtle Beach, SC | C | 11.1% | 348 | 10.3% | 6.75% |
| 48 | First Federal BankLake City, FL | B | 13.5% | 504 | 8.7% | 6.25% |
| 49 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 10.8% | 485 | 10.7% | 6.63% |
| 50 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 1,645 | 9.1% | 6.49% |
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.
