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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Thompson Kane & CompanyMadison, WI | A | 1.7% | 921 | 0.8% | 6.75% |
| 2 | The Bank of New GlarusNew Glarus, | A | 1.2% | 498 | 1.0% | 6.63% |
| 3 | A + Mortgage ServicesMuskego, WI | A | 1.5% | 848 | 1.4% | 6.63% |
| 4 | Waterstone MortgageBrookfield, WI | C | 4.7% | 469 | 1.7% | 6.63% |
| 5 | Ixonia BankIxonia, WI | C | 4.7% | 1,676 | 2.2% | 6.75% |
| 6 | Nations LendingIndependence, OH | B | 6.2% | 1,065 | 2.8% | 6.63% |
| 7 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 3.4% | 345 | 2.9% | 6.50% |
| 8 | Coastal Community BankEverett, WA | C | 3.0% | 1,486 | 2.5% | 10.99% |
| 9 | PCM Credit UnionGreen Bay, WI | A | 3.2% | 485 | 3.1% | 5.99% |
| 10 | CO-OP Credit UnionBlack River Falls, WI | B | 3.3% | 413 | 3.2% | 6.55% |
| 11 | Forward BankMarshfield, WI | A | 4.2% | 447 | 3.8% | 7.00% |
| 12 | Westby Co-op Credit UnionWestby, | B | 4.0% | 506 | 3.2% | 7.13% |
| 13 | FOX COMMUNITIES Credit UnionAppleton, WI | A | 4.0% | 3,040 | 3.9% | 6.49% |
| 14 | Nicolet National BankGreen Bay, WI | A | 4.5% | 2,608 | 4.0% | 7.25% |
| 15 | Movement MortgageLancaster, SC | A | 4.8% | 530 | 3.8% | 6.75% |
| 16 | Bank Five NineOconomowoc, WI | A | 4.8% | 1,584 | 4.0% | 6.50% |
| 17 | Guild MortgageSan Diego, CA | A | 4.7% | 2,875 | 4.0% | 6.63% |
| 18 | CMG MortgageSan Ramon, CA | A | 5.6% | 876 | 3.9% | 6.75% |
| 19 | Fairway Independent MortgageMadison, WI | B | 6.1% | 3,754 | 4.1% | 6.63% |
| 20 | Barrington Bank & Trust CompanyBarrington, IL | C | 9.1% | 1,492 | 4.4% | 6.49% |
| 21 | First Colony MortgageOrem, UT | A | 5.6% | 1,235 | 4.4% | 6.50% |
| 22 | Home State BankCrystal Lake, IL | B | 5.2% | 356 | 5.3% | 6.43% |
| 23 | Wisconsin MortgageBrookfield, WI | B | 6.3% | 502 | 5.2% | 6.50% |
| 24 | ALTRA Federal Credit UnionOnalaska, WI | B | 9.3% | 1,747 | 5.8% | 6.66% |
| 25 | Crosscountry MortgageCleveland, OH | B | 5.7% | 1,553 | 4.8% | 6.75% |
| 26 | Great Midwest Bank, S.S.B.Brookfield, WI | B | 6.5% | 492 | 5.7% | 6.75% |
| 27 | Prosperity Home MortgageFairfax, VA | A | 7.8% | 1,007 | 5.7% | 6.38% |
| 28 | Horicon BankHoricon, WI | B | 7.2% | 527 | 6.3% | 6.75% |
| 29 | One Community BankOregon, WI | B | 7.1% | 550 | 6.6% | 7.25% |
| 30 | Union Home MortgageStrongsville, OH | B | 6.7% | 801 | 6.1% | 6.63% |
| 31 | Lake Ridge BankMiddleton, WI | A | 7.5% | 886 | 6.6% | 5.49% |
| 32 | Kohler Credit UnionSheboygan, WI | B | 9.0% | 902 | 6.4% | 7.00% |
| 33 | ServionNew Brighton, MN | B | 6.7% | 394 | 6.4% | 6.50% |
| 34 | Guaranteed RateChicago, IL | B | 9.2% | 1,797 | 5.4% | 6.53% |
| 35 | CAPITAL Credit UnionGreen Bay, WI | A | 7.7% | 2,892 | 6.5% | 6.25% |
| 36 | The Equitable Bank, S.S.B.Wauwatosa, WI | B | 7.6% | 340 | 6.8% | 6.38% |
| 37 | Johnson Financial GroupRacine, WI | A | 7.8% | 3,702 | 7.4% | 6.75% |
| 38 | Waukesha State BankWaukesha, WI | B | 7.8% | 915 | 7.1% | 6.75% |
| 39 | Bell BankFargo, ND | A | 7.1% | 1,313 | 6.6% | 6.50% |
| 40 | Community FirstNeenah, WI | A | 8.0% | 4,368 | 6.9% | 5.49% |
| 41 | Compeer Financial, FlcaPrairie Du Sac, WI | C | 10.6% | 869 | 7.6% | 7.13% |
| 42 | Covantage Credit UnionAntigo, WI | B | 10.2% | 4,581 | 7.7% | 6.50% |
| 43 | Bank FirstManitowoc, WI | A | 9.2% | 2,184 | 8.6% | 6.88% |
| 44 | The Park BankMadison, WI | B | 9.1% | 606 | 7.9% | 6.50% |
| 45 | American Pacific MortgageRoseville, CA | C | 10.3% | 998 | 7.6% | 6.63% |
| 46 | Verve, a Credit UnionOshkosh, WI | B | 10.2% | 926 | 8.1% | 6.50% |
| 47 | Heartland Credit Union (Madison)Madison, WI | B | 10.7% | 652 | 7.8% | 6.99% |
| 48 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 10.8% | 619 | 10.3% | 6.75% |
| 49 | Royal Credit UnionEau Claire, WI | B | 11.4% | 3,788 | 9.6% | 6.75% |
| 50 | Blackhawk Community Credit UnionJanesville, WI | B | 12.3% | 774 | 9.8% | 7.50% |
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.
