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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Alcova MortgageRoanoke, VA | A | 3.2% | 335 | 2.4% | 6.75% |
| 2 | Gateway First BankJenks, OK | B | 5.3% | 460 | 3.7% | 6.63% |
| 3 | Integrity Home MortgageWinchester, VA | B | 4.4% | 614 | 4.4% | 6.50% |
| 4 | Crosscountry MortgageCleveland, OH | B | 5.7% | 1,140 | 4.0% | 6.58% |
| 5 | Movement MortgageLancaster, SC | A | 4.8% | 1,167 | 5.4% | 6.63% |
| 6 | Clear Mountain BankBruceton Mills, WV | B | 6.8% | 464 | 5.8% | 6.38% |
| 7 | Lennar MortgageMiami, FL | A | 16.3% | 501 | 7.8% | 6.63% |
| 8 | Primelending, a PlainscapitalDallas, TX | A | 6.4% | 530 | 9.8% | 6.38% |
| 9 | The Poca Valley BankWalton, WV | C | 13.2% | 379 | 10.6% | — |
| 10 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 949 | 13.1% | 6.25% |
| 11 | Freedom MortgageBoca Raton, FL | B | 14.6% | 707 | 10.6% | 6.25% |
| 12 | JPMorgan Chase BankColumbus, OH | B | 14.1% | 502 | 13.8% | 6.75% |
| 13 | WesBanco BankWheeling, | B | 20.1% | 1,475 | 16.7% | 6.01% |
| 14 | Loandepot.ComIrvine, CA | D | 26.7% | 1,624 | 18.7% | 6.58% |
| 15 | Rocket MortgagePlymouth, MI | C | 19.9% | 3,615 | 23.0% | 6.88% |
| 16 | Pennymac Loan ServicesWestlake Village, CA | C | 18.5% | 762 | 16.5% | 6.12% |
| 17 | Peoples BankMarietta, OH | C | 24.1% | 707 | 22.4% | 7.24% |
| 18 | Broker SolutionsTustin, CA | D | 18.0% | 953 | 10.0% | 6.99% |
| 19 | Mortgage Research CenterColumbia, MO | C | 28.1% | 1,592 | 17.4% | 6.25% |
| 20 | United BankVienna, VA | C | 20.3% | 540 | 22.8% | 6.90% |
| 21 | PNC BankWilmington, DE | D | 33.8% | 398 | 21.6% | 6.88% |
| 22 | City National Bank of West VirginiaCharleston, WV | C | 27.3% | 2,870 | 25.0% | 6.29% |
| 23 | Navy Federal Credit UnionVienna, VA | D | 32.9% | 1,048 | 19.2% | 7.00% |
| 24 | FairmontFairmont, WV | C | 29.5% | 370 | 28.1% | 5.38% |
| 25 | NewrezWilmington, DE | D | 35.0% | 538 | 18.8% | 6.38% |
| 26 | First Community BankBluefield, VA | F | 30.8% | 482 | 25.7% | 7.25% |
| 27 | The Huntington National BankColumbus, OH | D | 31.6% | 2,194 | 28.1% | 7.00% |
| 28 | Truist BankCharlotte, NC | C | 40.8% | 1,776 | 31.1% | 6.63% |
| 29 | Triad Financial ServicesJacksonville, FL | D | 51.5% | 561 | 57.0% | 8.73% |
| 30 | Vanderbilt Mortgage and FinanceMaryville, TN | F | 67.8% | 3,214 | 38.5% | 9.99% |
| 31 | 21st MortgageKnoxville, TN | F | 71.8% | 858 | 47.8% | 10.14% |
| 32 | AmeriSave MortgageSandy Springs, GA | D | 70.0% | 942 | 64.8% | 8.38% |
| 33 | Tammac HoldingsWayne, PA | D | 74.4% | 303 | 72.6% | 9.20% |
| 34 | Credit Human Federal Credit UnionSan Antonio, TX | D | 74.7% | 670 | 88.5% | 8.35% |
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.
