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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Citizens Bank of LafayetteLafayette, TN | A | 0.5% | 618 | 0.5% | 7.50% |
| 2 | Legacy Home LoansNashville, TN | A | 1.4% | 1,420 | 1.1% | 6.49% |
| 3 | Firsttrust Home LoansSheridan, AR | B | 0.9% | 372 | 1.1% | 6.50% |
| 4 | Highlands Residential MortgageAllen, TX | B | 2.3% | 674 | 1.5% | 6.63% |
| 5 | Carroll Bank and TrustHuntingdon, TN | A | 2.0% | 524 | 1.9% | — |
| 6 | Churchill MortgageBrentwood, TN | B | 4.0% | 916 | 1.9% | 6.63% |
| 7 | Legends BankClarksville, TN | B | 4.4% | 451 | 2.2% | 6.38% |
| 8 | Coastal Community BankEverett, WA | C | 3.0% | 2,700 | 2.0% | 10.49% |
| 9 | Community MortgageCordova, | A | 3.0% | 1,026 | 2.5% | 6.38% |
| 10 | Primis MortgageRaleigh, NC | B | 3.1% | 1,402 | 2.4% | 6.49% |
| 11 | Canopy MortgageLindon, UT | B | 3.2% | 533 | 2.1% | 6.38% |
| 12 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 726 | 2.5% | 6.50% |
| 13 | CMG MortgageSan Ramon, CA | A | 5.6% | 5,643 | 2.9% | 6.50% |
| 14 | One Bank of TennesseeCookeville, TN | B | 3.9% | 572 | 3.9% | 6.95% |
| 15 | Swbc MortgageSan Antonio, TX | A | 4.0% | 844 | 3.3% | 6.63% |
| 16 | Ameris BankAtlanta, GA | B | 10.5% | 562 | 3.2% | 6.50% |
| 17 | Mortgage Investors GroupNashville, TN | B | 4.6% | 4,454 | 3.5% | 6.50% |
| 18 | Movement MortgageLancaster, SC | A | 4.8% | 3,282 | 3.8% | 6.63% |
| 19 | Guild MortgageSan Diego, CA | A | 4.7% | 857 | 4.0% | 6.63% |
| 20 | Knoxville Tva Employees Credit UnionKnoxville, TN | A | 5.1% | 2,269 | 4.6% | 5.99% |
| 21 | Fairway Independent MortgageMadison, WI | B | 6.1% | 2,359 | 4.0% | 6.50% |
| 22 | The Farmers BankPortland, TN | A | 5.9% | 402 | 5.5% | 7.50% |
| 23 | Union Home MortgageStrongsville, OH | B | 6.7% | 1,849 | 4.8% | 6.38% |
| 24 | First Community MortgageMurfreesboro, TN | A | 7.1% | 3,154 | 6.0% | 6.38% |
| 25 | Home Federal Bank of TennesseeKnoxville, TN | B | 6.4% | 978 | 5.9% | 5.99% |
| 26 | Centennial BankTrezevant, TN | B | 6.7% | 336 | 6.0% | — |
| 27 | LibertyEvansville, IN | B | 7.2% | 899 | 5.7% | 6.88% |
| 28 | Primary Residential MortgageSalt Lake City, UT | C | 7.4% | 406 | 5.4% | 6.63% |
| 29 | Crosscountry MortgageCleveland, OH | B | 5.7% | 3,778 | 4.8% | 6.63% |
| 30 | Guaranteed RateChicago, IL | B | 9.2% | 3,368 | 4.5% | 6.38% |
| 31 | American Pacific MortgageRoseville, CA | C | 10.3% | 1,144 | 6.1% | 6.63% |
| 32 | Click n' CloseAddison, TX | C | 7.3% | 623 | 5.3% | 6.88% |
| 33 | Summit FundingSacramento, CA | C | 7.8% | 642 | 5.8% | 6.75% |
| 34 | Ixonia BankIxonia, WI | C | 4.7% | 517 | 5.6% | 6.63% |
| 35 | Patriot BankMillington, TN | B | 7.8% | 533 | 7.5% | 6.13% |
| 36 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 10.8% | 970 | 8.3% | 6.75% |
| 37 | Everett FinancialDallas, | C | 8.9% | 710 | 5.9% | 6.75% |
| 38 | The Loan StoreSan Francisco, CA | B | 12.2% | 790 | 8.0% | 6.88% |
| 39 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 7.3% | 787 | 6.7% | 6.49% |
| 40 | Stockton MortgageFrankfort, KY | D | 10.8% | 1,089 | 7.0% | 6.63% |
| 41 | First Federal BankDickson, TN | B | 10.0% | 373 | 9.4% | — |
| 42 | Commercial Bank & TrustParis, TN | B | 10.0% | 453 | 9.3% | — |
| 43 | ALTRA Federal Credit UnionOnalaska, WI | B | 9.3% | 402 | 9.0% | 6.83% |
| 44 | Renasant BankTupelo, MS | B | 11.6% | 1,286 | 8.8% | 6.50% |
| 45 | Kiavi FundingWilmington, DE | D | 11.1% | 1,129 | 8.5% | 9.95% |
| 46 | Citizens Tri-County BankDunlap, TN | C | 11.3% | 733 | 10.2% | 7.50% |
| 47 | The First National Bank of Middle TennesseeMcminnville, TN | C | 10.9% | 659 | 9.7% | 6.50% |
| 48 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 3,078 | 9.2% | 5.75% |
| 49 | SouthEast BankFarragut, TN | A | 11.7% | 481 | 11.0% | 7.50% |
| 50 | CONSUMER Credit UnionGreeneville, TN | B | 11.5% | 407 | 10.6% | 5.63% |
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.
