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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Emm LoansCherry Hill, NJ | B | 4.8% | 761 | 1.5% | 6.63% |
| 2 | Northeast Home LoanChesterfield, NH | A | 2.8% | 524 | 2.1% | 6.50% |
| 3 | 802 Credit UnionBarre, VT | B | 3.6% | 328 | 3.7% | 6.88% |
| 4 | Union BankMorristown, VT | B | 5.0% | 641 | 4.5% | 6.63% |
| 5 | Eastrise Federal Credit UnionWilliston, VT | A | 6.3% | 3,529 | 5.1% | 6.50% |
| 6 | CMG MortgageSan Ramon, CA | A | 5.6% | 459 | 5.7% | 6.63% |
| 7 | North CountrySouth Burlington, VT | C | 13.0% | 1,135 | 9.5% | 7.25% |
| 8 | Vermont Federal Credit UnionSouth Burlington, VT | A | 12.8% | 1,003 | 12.0% | 6.75% |
| 9 | Community BankCanton, NY | D | 18.9% | 607 | 13.3% | 7.00% |
| 10 | Mascoma BankLebanon, NH | B | 16.0% | 717 | 16.5% | 6.75% |
| 11 | Rocket MortgagePlymouth, MI | C | 19.9% | 1,165 | 22.0% | 6.75% |
| 12 | TD BankWilmington, DE | D | 35.3% | 390 | 24.4% | 7.49% |
| 13 | Manufacturers and Traders TrustBuffalo, NY | C | 33.0% | 617 | 30.8% | 5.99% |
| 14 | Citizens BankProvidence, RI | C | 32.5% | 826 | 38.9% | 7.65% |
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.
