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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Jams-01Fairfax, VA | A | 0.5% | 349 | 0.6% | 6.50% |
| 2 | First Savings MortgageMclean, VA | A | 1.0% | 955 | 0.8% | 6.50% |
| 3 | T2 FinancialWesterville, OH | B | 6.8% | 389 | 1.0% | 6.50% |
| 4 | Towne MortgageNorfolk, VA | B | 2.0% | 600 | 1.0% | 6.50% |
| 5 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 1.9% | 5,193 | 1.5% | 6.50% |
| 6 | First Home MortgageBaltimore, MD | B | 3.0% | 556 | 1.4% | 6.63% |
| 7 | NFMLinthicum, MD | A | 2.3% | 1,588 | 1.5% | 6.63% |
| 8 | Atlantic Coast MortgageFairfax, VA | A | 2.1% | 4,256 | 1.8% | 6.49% |
| 9 | Archer MortgageVirginia Beach, VA | B | 3.0% | 329 | 2.1% | 6.50% |
| 10 | Emm LoansCherry Hill, NJ | B | 4.8% | 426 | 2.1% | 6.38% |
| 11 | Intercoastal MortgageReston, VA | A | 3.3% | 1,651 | 2.1% | 6.38% |
| 12 | C & F MortgageMidlothian, VA | A | 3.2% | 1,859 | 2.2% | 6.50% |
| 13 | Coastal Community BankEverett, WA | C | 3.0% | 3,332 | 2.1% | 9.99% |
| 14 | Alcova MortgageRoanoke, VA | A | 3.2% | 3,262 | 2.8% | 6.63% |
| 15 | Advance Financial GroupNorfolk, VA | B | 3.3% | 528 | 2.8% | 6.49% |
| 16 | F & M BankTimberville, VA | B | 3.6% | 457 | 2.8% | 6.50% |
| 17 | Guaranteed Rate AffinityChicago, IL | A | 6.8% | 482 | 2.7% | 6.38% |
| 18 | Integrity Home MortgageWinchester, VA | B | 4.4% | 1,310 | 3.1% | 6.63% |
| 19 | First Heritage MortgageFairfax, VA | A | 4.2% | 3,232 | 3.0% | 6.38% |
| 20 | CMG MortgageSan Ramon, CA | A | 5.6% | 3,213 | 3.1% | 6.25% |
| 21 | Embrace Home LoansMiddletown, RI | A | 6.0% | 761 | 3.3% | 6.31% |
| 22 | Presidential BankBethesda, MD | B | 6.9% | 978 | 3.4% | 6.63% |
| 23 | Vellum MortgageFairfax, VA | A | 3.4% | 489 | 3.3% | 6.62% |
| 24 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 3.4% | 3,519 | 3.1% | 6.50% |
| 25 | Ixonia BankIxonia, WI | C | 4.7% | 387 | 3.4% | 6.63% |
| 26 | Crosscountry MortgageCleveland, OH | B | 5.7% | 4,339 | 3.2% | 6.58% |
| 27 | Swbc MortgageSan Antonio, TX | A | 4.0% | 572 | 3.9% | 6.63% |
| 28 | Prosperity Home MortgageFairfax, VA | A | 7.8% | 2,747 | 3.6% | 6.50% |
| 29 | Southern Trust MortgageVirginia Beach, VA | B | 4.0% | 1,853 | 3.8% | 6.50% |
| 30 | Movement MortgageLancaster, SC | A | 4.8% | 6,126 | 4.3% | 6.56% |
| 31 | First BancorpAbingdon, VA | B | 5.0% | 932 | 4.9% | 7.38% |
| 32 | Skyline National BankIndependence, VA | B | 5.7% | 381 | 5.0% | — |
| 33 | Guild MortgageSan Diego, CA | A | 4.7% | 1,475 | 4.2% | 6.50% |
| 34 | Ameris BankAtlanta, GA | B | 10.5% | 940 | 4.8% | 6.38% |
| 35 | Lennar MortgageMiami, FL | A | 16.3% | 358 | 5.0% | 6.13% |
| 36 | Fairway Independent MortgageMadison, WI | B | 6.1% | 2,305 | 5.0% | 6.50% |
| 37 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 7.3% | 599 | 5.2% | 6.25% |
| 38 | Waterstone MortgageBrookfield, WI | C | 4.7% | 542 | 5.5% | 6.63% |
| 39 | First Community MortgageMurfreesboro, TN | A | 7.1% | 618 | 6.6% | 6.49% |
| 40 | Calcon Mutual MortgageSan Diego, CA | D | 16.8% | 1,139 | 5.1% | 6.49% |
| 41 | Zillow Home LoansIrvine, CA | B | 7.4% | 597 | 6.0% | 6.50% |
| 42 | Tidewater Mortgage ServicesVirginia Beach, VA | C | 7.0% | 1,065 | 5.5% | 6.50% |
| 43 | Guaranteed RateChicago, IL | B | 9.2% | 3,164 | 4.9% | 6.25% |
| 44 | Towne BankPortsmouth, VA | B | 6.6% | 2,614 | 7.2% | 6.75% |
| 45 | American Financial NetworkBrea, CA | C | 15.5% | 1,369 | 6.2% | 6.63% |
| 46 | Provident Funding AssociatesSanta Rosa, CA | A | 9.4% | 591 | 6.4% | 6.38% |
| 47 | Union Home MortgageStrongsville, OH | B | 6.7% | 1,000 | 7.3% | 6.38% |
| 48 | Benchmark Community BankKenbridge, VA | C | 9.1% | 424 | 9.4% | 7.24% |
| 49 | Freedom MortgageBoca Raton, FL | B | 14.6% | 8,029 | 6.5% | 6.25% |
| 50 | PHH MortgageMount Laurel, NJ | C | 18.3% | 752 | 5.9% | 6.38% |
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.
