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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Belem ServicingSaint George, UT | B | 2.9% | 366 | 0.6% | 6.63% |
| 2 | My Move MortgageUtah, UT | A | 0.7% | 1,487 | 0.6% | 6.13% |
| 3 | Intercap LendingSalt Lake City, UT | A | 0.9% | 4,881 | 0.7% | 6.50% |
| 4 | Clm MortgageHouston, TX | A | 0.9% | 346 | 0.9% | 6.13% |
| 5 | Security Home Mortgage, LLC.Orem, UT | A | 1.6% | 662 | 1.4% | 6.50% |
| 6 | RanlifeSandy, UT | B | 3.1% | 1,050 | 1.2% | 6.38% |
| 7 | Bank of UtahOgden, UT | A | 1.9% | 884 | 1.5% | 6.38% |
| 8 | Guild MortgageSan Diego, CA | A | 4.7% | 5,427 | 1.5% | 6.50% |
| 9 | First Colony MortgageOrem, UT | A | 5.6% | 3,499 | 2.1% | 6.38% |
| 10 | Sun American MortgageMesa, AZ | B | 2.5% | 535 | 1.7% | 6.49% |
| 11 | Coastal Community BankEverett, WA | C | 3.0% | 1,129 | 1.9% | 9.99% |
| 12 | Fairway Independent MortgageMadison, WI | B | 6.1% | 1,304 | 2.7% | 6.63% |
| 13 | Crosscountry MortgageCleveland, OH | B | 5.7% | 1,088 | 2.9% | 6.63% |
| 14 | Primary Residential MortgageSalt Lake City, UT | C | 7.4% | 467 | 3.6% | 6.63% |
| 15 | CMG MortgageSan Ramon, CA | A | 5.6% | 451 | 3.6% | 6.63% |
| 16 | Canopy MortgageLindon, UT | B | 3.2% | 842 | 3.3% | 6.38% |
| 17 | Paramount Residential Mortgage GroupCorona, CA | B | 5.0% | 625 | 3.7% | 6.38% |
| 18 | The Loan StoreSan Francisco, CA | B | 12.2% | 2,524 | 5.4% | 6.49% |
| 19 | Plains Commerce BankSioux Falls, SD | B | 10.0% | 1,405 | 4.4% | 6.50% |
| 20 | Securitynational MortgageSalt Lake City, UT | D | 14.3% | 2,466 | 4.7% | 6.75% |
| 21 | Homeamerican MortgageDenver, CO | A | 9.5% | 399 | 7.3% | 4.63% |
| 22 | Direct Rate Home LoansCottonwood Heights, UT | B | 8.7% | 524 | 5.9% | 6.38% |
| 23 | Provident Funding AssociatesSanta Rosa, CA | A | 9.4% | 968 | 6.6% | 6.25% |
| 24 | AMWEST FundingBrea, CA | C | 8.2% | 427 | 6.8% | 6.38% |
| 25 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 11,325 | 8.5% | 6.25% |
| 26 | American Pacific MortgageRoseville, CA | C | 10.3% | 629 | 7.8% | 6.50% |
| 27 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 1,571 | 8.6% | 5.75% |
| 28 | Lennar MortgageMiami, FL | A | 16.3% | 709 | 9.0% | 4.99% |
| 29 | State Bank of Southern UtahCedar City, UT | A | 11.2% | 797 | 9.5% | 7.50% |
| 30 | Guaranteed RateChicago, IL | B | 9.2% | 703 | 8.7% | 6.50% |
| 31 | Deseret First Credit UnionWest Valley City, UT | A | 13.8% | 960 | 12.7% | 7.50% |
| 32 | Freedom MortgageBoca Raton, FL | B | 14.6% | 1,549 | 8.7% | 6.13% |
| 33 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 818 | 10.9% | 6.38% |
| 34 | Rocket MortgagePlymouth, MI | C | 19.9% | 6,276 | 14.6% | 6.63% |
| 35 | Nationstar MortgageCoppell, TX | C | 18.8% | 1,304 | 13.6% | 8.50% |
| 36 | Broker SolutionsTustin, CA | D | 18.0% | 1,269 | 8.7% | 6.75% |
| 37 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 2,132 | 12.7% | 6.38% |
| 38 | Utah Community Federal Credit UnionProvo, UT | B | 18.3% | 2,573 | 16.1% | 6.99% |
| 39 | GoldenwestOgden, UT | B | 19.3% | 4,794 | 17.6% | 7.50% |
| 40 | AMERICA FIRST Federal Credit UnionRiverdale, UT | C | 22.5% | 16,303 | 18.3% | 6.99% |
| 41 | Granite Federal Credit UnionMillcreek, UT | D | 21.6% | 454 | 16.5% | 6.13% |
| 42 | Kind LendingIrvine, CA | C | 27.2% | 3,227 | 20.3% | 6.50% |
| 43 | Loandepot.ComIrvine, CA | D | 26.7% | 1,241 | 18.9% | 6.63% |
| 44 | Zions BancorporationSalt Lake City, UT | B | 30.7% | 3,013 | 22.9% | 6.49% |
| 45 | University First Federal Credit UnionWest Jordan, UT | B | 25.0% | 1,634 | 20.1% | 4.99% |
| 46 | Security Service Federal Credit UnionSan Antonio, TX | C | 30.8% | 870 | 21.4% | 6.99% |
| 47 | Figure LendingCharlotte, NC | C | 29.1% | 591 | 25.9% | 8.75% |
| 48 | Glacier BankKalispell, MT | D | 20.1% | 541 | 19.8% | 6.88% |
| 49 | Triad Financial ServicesJacksonville, FL | D | 51.5% | 515 | 28.2% | 8.77% |
| 50 | Mortgage Research CenterColumbia, MO | C | 28.1% | 1,069 | 17.2% | 5.99% |
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.
