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 Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.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 | Jonah Bank of WyomingCasper, WY | A | 2.9% | 496 | 2.6% | 6.25% |
| 2 | Fairway Independent MortgageMadison, WI | B | 6.1% | 1,106 | 4.2% | 6.49% |
| 3 | Guild MortgageSan Diego, CA | A | 4.7% | 961 | 4.5% | 6.38% |
| 4 | United Shore Financial ServicesPlymouth, MI | B | 13.9% | 1,281 | 8.7% | 6.12% |
| 5 | Freedom MortgageBoca Raton, FL | B | 14.6% | 512 | 11.1% | 6.19% |
| 6 | Uniwyo Federal Credit UnionLaramie, WY | C | 17.4% | 541 | 15.2% | 7.50% |
| 7 | Rocket MortgagePlymouth, MI | C | 19.9% | 1,567 | 17.1% | 6.50% |
| 8 | Glacier BankKalispell, MT | D | 20.1% | 856 | 15.9% | 6.95% |
| 9 | Meridian Trust Federal Credit UnionCheyenne, WY | B | 22.9% | 525 | 18.3% | 6.50% |
| 10 | Mortgage Research CenterColumbia, MO | C | 28.1% | 599 | 16.9% | 6.25% |
| 11 | First Interstate BankBillings, MT | D | 29.4% | 510 | 23.5% | 8.13% |
| 12 | U.S. BankCincinnati, OH | D | 39.5% | 373 | 34.1% | 7.06% |
| 13 | Triad Financial ServicesJacksonville, FL | D | 51.5% | 395 | 44.6% | 8.00% |
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.
