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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Dominion Financial ServicesBaltimore, MD | A | 0.0% | 339 | 0.0% | 7.38% |
| 2 | Easy Street CapitalAustin, TX | A | 0.0% | 382 | 0.0% | 9.90% |
| 3 | New Wave Lending GroupCity Of Industry, CA | B | 0.4% | 434 | 0.0% | 7.00% |
| 4 | Rf Renovo Management CompanyChicago, IL | B | 0.3% | 1,157 | 0.1% | 9.00% |
| 5 | Unnamed lender 2549004YKXDDHUWUOH37 | A | 0.2% | 620 | 0.2% | 4.99% |
| 6 | Priority Home MortgageAustin, TX | A | 0.3% | 1,309 | 0.3% | 5.75% |
| 7 | Unnamed lender 549300UK9R93LGQHOV21 | A | 0.4% | 553 | 0.4% | 5.25% |
| 8 | Parkstone MortgageHouston, TX | A | 0.6% | 1,443 | 0.4% | 5.99% |
| 9 | Cadence Lending GroupEl Paso, TX | A | 0.7% | 406 | 0.7% | 6.25% |
| 10 | Velocity Commercial CapitalWestlake Village, CA | B | 1.2% | 757 | 0.4% | 9.87% |
| 11 | Brookhollow Mortgage ServicesAddison, TX | A | 1.0% | 575 | 0.7% | 5.75% |
| 12 | Brightland Mortgage ServicesHouston, TX | A | 1.0% | 908 | 0.8% | 5.75% |
| 13 | Integrity Mortgage Corporation of TexasHeath, TX | B | 0.9% | 630 | 0.8% | 6.62% |
| 14 | Clm MortgageHouston, TX | A | 0.9% | 2,009 | 0.9% | 5.49% |
| 15 | Crestmark Mortgage CompanyHouston, TX | A | 1.0% | 1,296 | 0.8% | 5.99% |
| 16 | Legend LendingHouston, TX | B | 1.3% | 1,032 | 0.8% | 6.63% |
| 17 | The Mortgage LinkRockville, MD | B | 1.5% | 901 | 0.9% | 6.63% |
| 18 | Grace Home LendingHouston, TX | A | 1.0% | 730 | 1.0% | 5.63% |
| 19 | Texas Tech Federal Credit UnionLubbock, TX | A | 1.3% | 1,534 | 1.0% | 6.38% |
| 20 | Lakeview Community CapitalTucson, AZ | A | 1.7% | 1,071 | 1.3% | 6.25% |
| 21 | Eustis MortgageNew Orleans, LA | B | 2.0% | 916 | 1.1% | 6.50% |
| 22 | Republic State MortgageHouston, TX | A | 1.9% | 1,453 | 1.1% | 5.75% |
| 23 | General Mortgage CapitalBurlingame, CA | A | 1.4% | 378 | 1.3% | 6.56% |
| 24 | Pilgrim MortgageSan Antonio, TX | A | 1.6% | 1,404 | 1.4% | 6.50% |
| 25 | Mortgage Financial ServicesBaton Rouge, LA | B | 1.5% | 2,460 | 1.2% | 6.50% |
| 26 | First United BankLubbock, TX | A | 1.9% | 407 | 1.7% | 6.49% |
| 27 | Stonewood Home LendingMcallen, TX | A | 1.7% | 552 | 1.5% | 5.75% |
| 28 | Alliance Credit UnionLubbock, TX | C | 31.7% | 1,533 | 1.4% | 6.38% |
| 29 | Highlands Residential MortgageAllen, TX | B | 2.3% | 4,275 | 1.4% | 6.63% |
| 30 | Sente MortgageAustin, TX | C | 3.3% | 438 | 1.4% | 6.63% |
| 31 | Gardner Financial ServicesSan Antonio, TX | B | 2.7% | 2,070 | 1.6% | 6.38% |
| 32 | Lendsure MortgageSan Diego, CA | B | 3.3% | 448 | 1.6% | 7.50% |
| 33 | First BankBurkburnett, TX | A | 2.0% | 759 | 2.0% | 6.75% |
| 34 | Flat Branch MortgageColumbia, MO | A | 1.2% | 829 | 1.8% | 6.50% |
| 35 | Willow Bend Mortgage CompanyPlano, TX | C | 2.6% | 1,290 | 1.4% | 6.63% |
| 36 | TexasBankBrownwood, TX | C | 2.2% | 1,407 | 1.7% | 7.38% |
| 37 | Geneva FinancialChandler, AZ | C | 3.1% | 582 | 1.6% | 6.75% |
| 38 | NFMLinthicum, MD | A | 2.3% | 1,401 | 2.0% | 6.75% |
| 39 | DAS Acquisition CompanySt. Louis, MO | B | 3.0% | 767 | 2.2% | 6.50% |
| 40 | Guidance ResidentialReston, VA | B | 3.1% | 556 | 2.0% | 6.63% |
| 41 | Residential Wholesale MortgageSan Diego, CA | B | 2.4% | 715 | 2.0% | 6.50% |
| 42 | Unnamed lender 254900YZ174H294JW398 | A | 2.8% | 1,105 | 2.7% | 6.00% |
| 43 | Towne MortgageTroy, MI | B | 4.4% | 977 | 2.8% | 5.99% |
| 44 | Nations LendingIndependence, OH | B | 6.2% | 803 | 2.9% | 6.63% |
| 45 | Highland HomeloansPlano, TX | A | 3.1% | 456 | 3.1% | 5.49% |
| 46 | Swbc MortgageSan Antonio, TX | A | 4.0% | 2,092 | 2.5% | 6.50% |
| 47 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 5,374 | 2.5% | 6.25% |
| 48 | Directions EquitySan Antonio, TX | A | 3.2% | 2,374 | 2.7% | 6.25% |
| 49 | Cornerstone Capital BankHouston, TX | A | 2.2% | 2,982 | 2.6% | 6.25% |
| 50 | Primis MortgageRaleigh, NC | B | 3.1% | 526 | 2.5% | 6.50% |
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.
