Open-end home equity lines of credit. Denial rates run far higher on HELOCs than on purchase mortgages, so compare these lenders only with each other.
| # | Lender | Grade | HELOC applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Regions BankBirmingham, AL | C | 2,754 | 11,871 | 37.2% | 4.99% |
| 2 | Coastal Community BankEverett, WA | C | 991 | 1,640 | 2.4% | 10.49% |
| 3 | Loandepot.ComIrvine, CA | D | 912 | 2,696 | 29.9% | 6.75% |
| 4 | PNC BankWilmington, DE | D | 904 | 2,895 | 33.2% | 7.76% |
| 5 | REDSTONE Federal Credit UnionHuntsville, AL | C | 852 | 4,548 | 18.9% | 8.13% |
| 6 | America'S FirstBirmingham, AL | B | 837 | 2,166 | 15.7% | 5.75% |
| 7 | Spring EqConshohocken, PA | D | 801 | 1,451 | 52.7% | 9.50% |
| 8 | Pennymac Loan ServicesWestlake Village, CA | C | 801 | 3,611 | 11.6% | 6.25% |
| 9 | All in Federal Credit UnionDaleville, AL | D | 789 | 1,628 | 35.3% | 7.50% |
| 10 | Figure LendingCharlotte, NC | C | 767 | 1,157 | 29.0% | 8.85% |
| 11 | Navy Federal Credit UnionVienna, VA | D | 748 | 3,283 | 20.6% | 6.88% |
| 12 | Cadence BankTupelo, MS | B | 661 | 2,500 | 16.0% | 6.88% |
| 13 | Nationstar MortgageCoppell, TX | C | 556 | 1,481 | 14.5% | 7.49% |
| 14 | AvadianHoover, AL | A | 553 | 1,325 | 18.1% | 4.99% |
| 15 | Discover BankGreenwood, DE | F | 455 | 881 | 55.9% | 8.87% |
| 16 | Rocket MortgagePlymouth, MI | C | 412 | 9,941 | 20.5% | 6.63% |
| 17 | Sofi BankCottonwood Heights, UT | D | 405 | 683 | 9.1% | 7.29% |
| 18 | Apco EmployeesBirmingham, AL | C | 393 | 661 | 28.0% | 6.00% |
| 19 | Broker SolutionsTustin, CA | D | 389 | 2,590 | 10.3% | 6.75% |
| 20 | Truist BankCharlotte, NC | C | 381 | 1,156 | 38.8% | 6.75% |
| 21 | Trustmark National BankJackson, MS | C | 373 | 3,443 | 10.3% | 6.50% |
| 22 | Lakeview Loan ServicingCoral Gables, FL | C | 291 | 1,108 | 51.2% | 6.31% |
| 23 | Better MortgageNew York, NY | F | 248 | 551 | 33.0% | 7.13% |
| 24 | Synovus BankColumbus, GA | D | 236 | 1,449 | 13.4% | 6.75% |
| 25 | Crosscountry MortgageCleveland, OH | B | 219 | 1,817 | 4.8% | 6.63% |
| 26 | LendageSan Mateo, CA | B | 214 | 313 | 12.5% | 11.00% |
| 27 | River Bank & TrustPrattville, AL | A | 213 | 1,628 | 3.7% | 6.95% |
| 28 | Bank of AmericaCharlotte, NC | F | 200 | 820 | 34.4% | 6.24% |
| 29 | Renasant BankTupelo, MS | B | 179 | 2,508 | 7.3% | 6.63% |
| 30 | Bank IndependentSheffield, AL | B | 165 | 1,200 | 11.6% | 6.49% |
| 31 | Alabama OneTuscaloosa, AL | D | 164 | 686 | 13.9% | 7.25% |
| 32 | Family Savings Credit UnionRainbow City, | B | 158 | 507 | 7.5% | 6.50% |
| 33 | U.S. BankCincinnati, OH | D | 149 | 420 | 39.8% | 7.13% |
| 34 | FirstBankNashville, TN | C | 143 | 3,190 | 27.0% | 6.63% |
| 35 | RCN CapitalSouth Windsor, CT | D | 142 | 331 | 55.3% | 7.89% |
| 36 | Citizens BankProvidence, RI | C | 123 | 317 | 29.3% | 8.15% |
| 37 | Pen Air Credit UnionPensacola, FL | F | 101 | 279 | 39.1% | 7.99% |
| 38 | The Loan StoreSan Francisco, CA | B | 97 | 640 | 8.8% | 6.75% |
| 39 | Mutual of Omaha MortgageSan Diego, CA | C | 95 | 696 | 21.1% | 6.38% |
| 40 | CB&S BankRussellville, AL | C | 90 | 709 | 13.1% | 6.63% |
| 41 | Community Bank of MississippiFlowood, MS | C | 87 | 669 | 9.6% | 7.25% |
| 42 | New Horizons Credit UnionMobile, AL | F | 76 | 215 | 22.8% | 6.99% |
| 43 | ServisFirst BankBirmingham, AL | A | 74 | 716 | 3.8% | 6.99% |
| 44 | Wells Fargo BankCharlotte, NC | B | 74 | 1,027 | 20.9% | 6.38% |
| 45 | Tyndall Federal Credit UnionPanama City, FL | C | 73 | 310 | 20.3% | 6.99% |
| 46 | SouthState BankWinter Haven, FL | B | 72 | 1,379 | 17.8% | 6.50% |
| 47 | Homebridge Financial ServicesIselin, NJ | B | 69 | 225 | 20.0% | 9.49% |
| 48 | Bryant BankTuscaloosa, AL | B | 69 | 608 | 6.7% | 7.50% |
| 49 | Emblem Credit UnionGadsden, AL | C | 68 | 455 | 28.1% | 7.25% |
| 50 | Valon MortgagePhoenix, AZ | C | 66 | 137 | 21.9% | 8.40% |
Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
