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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Canopy MortgageLindon, UT | B | 3.2% | 1,260 | 0.6% | 6.50% |
| 2 | Mld MortgageFlorham Park, NJ | A | 3.0% | 397 | 0.8% | 6.38% |
| 3 | Cornerstone Capital BankHouston, TX | A | 2.2% | 1,626 | 1.1% | 6.50% |
| 4 | General Mortgage CapitalBurlingame, CA | A | 1.4% | 458 | 1.1% | 6.25% |
| 5 | Evergreen Moneysource MortgageBellevue, WA | B | 1.5% | 3,494 | 1.2% | 6.75% |
| 6 | Cornerstone First MortgageSan Diego, CA | C | 4.3% | 1,079 | 1.2% | 6.63% |
| 7 | Eastside FundingKirkland, WA | B | 1.5% | 800 | 1.3% | 12.00% |
| 8 | Highlands Residential MortgageAllen, TX | B | 2.3% | 446 | 1.6% | 6.63% |
| 9 | Directors MortgageLake Oswego, OR | B | 5.2% | 349 | 1.7% | 6.63% |
| 10 | NFMLinthicum, MD | A | 2.3% | 1,000 | 2.0% | 6.63% |
| 11 | Scenic Oaks FundingModesto, CA | A | 4.0% | 484 | 2.1% | 6.62% |
| 12 | Premier Mortgage ResourcesMeridian, ID | B | 3.9% | 934 | 2.0% | 6.63% |
| 13 | Sammamish MortgageBellevue, WA | A | 2.9% | 1,268 | 2.1% | 6.38% |
| 14 | Nations Direct MortgageHenderson, NV | B | 7.9% | 530 | 2.6% | 6.49% |
| 15 | Morgan Stanley Private BankNew York, NY | A | 4.9% | 428 | 2.8% | 5.85% |
| 16 | HSBC Bank USAMclean, VA | B | 9.5% | 488 | 2.5% | 5.84% |
| 17 | Paramount Residential Mortgage GroupCorona, CA | B | 5.0% | 986 | 2.6% | 6.50% |
| 18 | CMG MortgageSan Ramon, CA | A | 5.6% | 7,817 | 3.1% | 6.63% |
| 19 | OriginPointChicago, IL | B | 5.3% | 1,328 | 2.8% | 6.58% |
| 20 | Lennar MortgageMiami, FL | A | 16.3% | 940 | 3.4% | 4.88% |
| 21 | Crosscountry MortgageCleveland, OH | B | 5.7% | 6,903 | 3.1% | 6.63% |
| 22 | Movement MortgageLancaster, SC | A | 4.8% | 7,472 | 3.6% | 6.63% |
| 23 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 956 | 3.6% | 6.49% |
| 24 | Guild MortgageSan Diego, CA | A | 4.7% | 8,056 | 3.4% | 6.63% |
| 25 | Bay EquityCorte Madera, CA | B | 4.9% | 687 | 3.2% | 6.63% |
| 26 | Coastal Community BankEverett, WA | C | 3.0% | 1,718 | 3.2% | 9.49% |
| 27 | Sunflower BankDallas, TX | B | 5.8% | 959 | 3.7% | 6.49% |
| 28 | Summit FundingSacramento, CA | C | 7.8% | 405 | 4.0% | 6.81% |
| 29 | Churchill MortgageBrentwood, TN | B | 4.0% | 473 | 4.7% | 6.63% |
| 30 | Fairway Independent MortgageMadison, WI | B | 6.1% | 3,386 | 4.4% | 6.63% |
| 31 | Guaranteed RateChicago, IL | B | 9.2% | 3,153 | 3.7% | 6.50% |
| 32 | Zillow Home LoansIrvine, CA | B | 7.4% | 502 | 4.6% | 6.25% |
| 33 | 1st Security Bank of WashingtonMountlake Terrace, WA | B | 8.1% | 1,938 | 5.0% | 6.50% |
| 34 | American Pacific MortgageRoseville, CA | C | 10.3% | 2,480 | 5.9% | 6.63% |
| 35 | Nova Financial & InvestmentTucson, AZ | C | 18.3% | 368 | 6.3% | 6.49% |
| 36 | Union Home MortgageStrongsville, OH | B | 6.7% | 508 | 5.7% | 6.38% |
| 37 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 13.5% | 572 | 4.7% | 6.00% |
| 38 | Envoy MortgageHouston, TX | D | 22.7% | 535 | 6.0% | 6.63% |
| 39 | Dhi Mortgage CompanyArlington, TX | B | 16.4% | 2,173 | 6.3% | 5.50% |
| 40 | Kbhs Home LoansIrving, TX | B | 9.8% | 422 | 5.7% | 6.00% |
| 41 | Finance of America ReverseTulsa, OK | C | 13.3% | 446 | 7.2% | 6.50% |
| 42 | Provident Funding AssociatesSanta Rosa, CA | A | 9.4% | 878 | 6.5% | 6.38% |
| 43 | Homeamerican MortgageDenver, CO | A | 9.5% | 381 | 8.9% | 5.00% |
| 44 | Synergy One LendingSan Diego, CA | C | 8.0% | 897 | 8.6% | 6.63% |
| 45 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 4,293 | 8.5% | 6.13% |
| 46 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 13,770 | 10.0% | 6.13% |
| 47 | The Loan StoreSan Francisco, CA | B | 12.2% | 1,769 | 10.5% | 6.63% |
| 48 | Kiavi FundingWilmington, DE | D | 11.1% | 416 | 8.7% | 10.45% |
| 49 | Yakima Federal Savings and Loan AssociationYakima, WA | B | 10.4% | 468 | 10.3% | 6.50% |
| 50 | Freedom MortgageBoca Raton, FL | B | 14.6% | 3,654 | 7.2% | 6.00% |
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.
