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 | Global Federal Credit UnionAnchorage, AK | C | 361 | 2,601 | 16.0% | 6.63% |
| 2 | NuVision Federal Credit UnionHuntington Beach, CA | C | 196 | 501 | 32.9% | 4.99% |
| 3 | Coastal Community BankEverett, WA | C | 124 | 229 | 1.8% | 10.49% |
| 4 | Figure LendingCharlotte, NC | C | 122 | 166 | 31.3% | 8.95% |
| 5 | Loandepot.ComIrvine, CA | D | 122 | 331 | 23.6% | 6.75% |
| 6 | The Loan StoreSan Francisco, CA | B | 94 | 519 | 8.5% | 6.50% |
| 7 | CREDIT UNION 1 Credit UnionAnchorage, AK | D | 93 | 462 | 11.7% | 7.75% |
| 8 | Sofi BankCottonwood Heights, UT | D | 85 | 145 | 17.2% | 7.40% |
| 9 | Navy Federal Credit UnionVienna, VA | D | 79 | 370 | 19.2% | 6.25% |
| 10 | Pennymac Loan ServicesWestlake Village, CA | C | 75 | 310 | 13.6% | 6.12% |
| 11 | Bank of AmericaCharlotte, NC | F | 57 | 196 | 40.3% | 6.31% |
| 12 | Discover BankGreenwood, DE | F | 55 | 107 | 57.0% | 9.00% |
| 13 | Nationstar MortgageCoppell, TX | C | 55 | 129 | 10.9% | 8.38% |
| 14 | Rocket MortgagePlymouth, MI | C | 53 | 1,051 | 17.8% | 6.75% |
| 15 | Better MortgageNew York, NY | F | 43 | 87 | 28.7% | 7.75% |
| 16 | Lakeview Loan ServicingCoral Gables, FL | C | 36 | 186 | 31.2% | 5.99% |
| 17 | Broker SolutionsTustin, CA | D | 32 | 207 | 7.3% | 6.75% |
| 18 | U.S. BankCincinnati, OH | D | 27 | 93 | 37.6% | 8.00% |
| 19 | Guaranteed RateChicago, IL | B | 20 | 221 | 9.1% | 6.53% |
| 20 | Valon MortgagePhoenix, AZ | C | 17 | 32 | 12.5% | 9.08% |
| 21 | Georgia'S OwnAtlanta, GA | F | 15 | 16 | 18.8% | 8.75% |
| 22 | Homebridge Financial ServicesIselin, NJ | B | 15 | 29 | 13.8% | 10.72% |
| 23 | KeyBankCleveland, OH | C | 15 | 112 | 32.1% | 6.81% |
| 24 | Mutual of Omaha MortgageSan Diego, CA | C | 15 | 121 | 20.7% | 6.13% |
| 25 | Mt. McKinley BankFairbanks, AK | B | 13 | 184 | 5.4% | — |
| 26 | Wells Fargo BankCharlotte, NC | B | 12 | 248 | 20.2% | 6.50% |
| 27 | Mission LoansColumbus, OH | D | 11 | 83 | 3.6% | 6.63% |
| 28 | Crosscountry MortgageCleveland, OH | B | 10 | 80 | 1.3% | 6.69% |
| 29 | Finance of America ReverseTulsa, OK | C | 9 | 14 | 14.3% | 6.75% |
| 30 | Pentagon Federal Credit UnionMclean, VA | F | 9 | 37 | 37.8% | 6.88% |
| 31 | Denali State BankFairbanks, AK | A | 9 | 165 | 1.8% | — |
| 32 | Cornerstone Capital BankHouston, TX | A | 9 | 301 | 0.3% | 6.25% |
| 33 | Movement MortgageLancaster, SC | A | 8 | 317 | 3.8% | 6.38% |
| 34 | First National Bank AlaskaAnchorage, AK | C | 8 | 402 | 9.0% | 6.63% |
| 35 | Bethpage Federal Credit UnionBethpage, NY | C | 6 | 14 | 35.7% | 6.49% |
| 36 | Deephaven MortgageCharlotte, NC | D | 6 | 15 | 33.3% | 8.63% |
| 37 | True North Federal Credit UnionJuneau, AK | D | 6 | 145 | 31.7% | 7.38% |
| 38 | JPMorgan Chase BankColumbus, OH | B | 5 | 52 | 7.7% | 6.50% |
| 39 | American FinancingAurora, CO | D | 5 | 67 | 46.3% | 5.99% |
| 40 | Primelending, a PlainscapitalDallas, TX | A | 5 | 322 | 4.4% | 6.49% |
| 41 | GTE Federal Credit UnionTampa, FL | D | 4 | 6 | 0.0% | 8.38% |
| 42 | Guild MortgageSan Diego, CA | A | 4 | 281 | 4.6% | 6.19% |
| 43 | Freedom MortgageBoca Raton, FL | B | 4 | 355 | 8.7% | 5.88% |
| 44 | Planet Home LendingMeriden, CT | B | 3 | 29 | 37.9% | 5.50% |
| 45 | NBKC BankKansas, MO | B | 3 | 104 | 8.7% | 5.99% |
| 46 | USAA Federal Savings BankPhoenix, AZ | C | 3 | 188 | 28.7% | 6.13% |
| 47 | Axos BankSan Diego, CA | F | 2 | 5 | 0.0% | — |
| 48 | Longbridge FinancialMahwah, NJ | F | 2 | 9 | 0.0% | 6.13% |
| 49 | Armed Forces BankFort Leavenworth, MO | C | 2 | 26 | 11.5% | 6.13% |
| 50 | Spirit of AlaskaFairbanks, AK | – | 2 | 98 | 26.5% | — |
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.
