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 | ARKANSAS Federal Credit UnionLittle Rock, AR | F | 2,019 | 4,439 | 23.6% | 7.50% |
| 2 | Arvest BankFayetteville, AR | C | 1,456 | 9,748 | 14.4% | 7.00% |
| 3 | Coastal Community BankEverett, WA | C | 652 | 1,031 | 2.4% | 10.49% |
| 4 | Regions BankBirmingham, AL | C | 606 | 2,646 | 40.0% | 6.13% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 535 | 2,076 | 12.4% | 6.38% |
| 6 | Figure LendingCharlotte, NC | C | 476 | 686 | 28.9% | 8.81% |
| 7 | Cadence BankTupelo, MS | B | 454 | 1,406 | 17.7% | 7.13% |
| 8 | Loandepot.ComIrvine, CA | D | 406 | 1,036 | 34.9% | 6.75% |
| 9 | U.S. BankCincinnati, OH | D | 385 | 1,348 | 39.5% | 7.13% |
| 10 | Spring EqConshohocken, PA | D | 345 | 549 | 50.3% | 9.58% |
| 11 | Discover BankGreenwood, DE | F | 271 | 562 | 55.3% | 8.60% |
| 12 | Nationstar MortgageCoppell, TX | C | 264 | 744 | 13.8% | 7.69% |
| 13 | Broker SolutionsTustin, CA | D | 255 | 1,268 | 10.8% | 6.88% |
| 14 | Bank OZKLittle Rock, AR | C | 236 | 1,907 | 31.0% | 6.50% |
| 15 | Navy Federal Credit UnionVienna, VA | D | 228 | 1,057 | 17.3% | 6.50% |
| 16 | Sofi BankCottonwood Heights, UT | D | 225 | 423 | 7.6% | 7.00% |
| 17 | Rocket MortgagePlymouth, MI | C | 224 | 5,854 | 20.1% | 6.63% |
| 18 | First Security BankSearcy, AR | C | 221 | 1,843 | 5.9% | 7.50% |
| 19 | Bank of AmericaCharlotte, NC | F | 216 | 980 | 35.9% | 6.25% |
| 20 | United Federal Credit UnionSaint Joseph, MI | D | 184 | 815 | 25.3% | 6.81% |
| 21 | Simmons BankPine Bluff, AR | C | 152 | 1,568 | 22.3% | 6.44% |
| 22 | Better MortgageNew York, NY | F | 147 | 604 | 22.4% | 6.75% |
| 23 | Crosscountry MortgageCleveland, OH | B | 141 | 734 | 4.6% | 6.63% |
| 24 | LendageSan Mateo, CA | B | 118 | 180 | 10.0% | 11.75% |
| 25 | Centennial BankConway, AR | D | 108 | 2,104 | 16.1% | 6.63% |
| 26 | Lakeview Loan ServicingCoral Gables, FL | C | 91 | 388 | 45.4% | 6.63% |
| 27 | Mutual of Omaha MortgageSan Diego, CA | C | 83 | 492 | 18.5% | 6.38% |
| 28 | Citizens BankProvidence, RI | C | 75 | 216 | 28.2% | 7.65% |
| 29 | First Horizon BankMemphis, TN | B | 58 | 972 | 17.6% | 6.50% |
| 30 | BOKFTulsa, OK | D | 54 | 224 | 20.1% | 6.63% |
| 31 | PNC BankWilmington, DE | D | 53 | 194 | 25.3% | 6.75% |
| 32 | Union BankMena, AR | A | 45 | 446 | 1.4% | — |
| 33 | New Day FinancialWest Palm Beach, FL | F | 38 | 943 | 21.7% | 6.99% |
| 34 | Southern BankPoplar Bluff, MO | A | 37 | 354 | 3.7% | 7.30% |
| 35 | Rain City CapitalKirkland, WA | D | 33 | 33 | 30.3% | 10.50% |
| 36 | First Community BankBatesville, AR | C | 33 | 1,844 | 4.8% | 6.99% |
| 37 | The Farmers & Merchants BankStuttgart, AR | D | 32 | 461 | 13.2% | 7.79% |
| 38 | JPMorgan Chase BankColumbus, OH | B | 32 | 547 | 11.7% | 6.38% |
| 39 | Southern Bancorp BankArkadelphia, AR | C | 32 | 745 | 8.3% | 7.50% |
| 40 | Anstaff BankGreen Forest, AR | B | 28 | 285 | 4.9% | — |
| 41 | Truist BankCharlotte, NC | C | 26 | 147 | 23.1% | 6.49% |
| 42 | The First National Bank of Fort SmithFort Smith, AR | B | 26 | 501 | 4.8% | 6.50% |
| 43 | Equity BankWichita, KS | A | 25 | 221 | 11.8% | 7.43% |
| 44 | First National BankParagould, AR | B | 25 | 335 | 3.9% | 7.75% |
| 45 | Guaranteed RateChicago, IL | B | 24 | 514 | 6.8% | 6.50% |
| 46 | CS BankEureka Springs, AR | A | 23 | 209 | 4.8% | — |
| 47 | Armstrong BankMuskogee, OK | B | 23 | 283 | 3.9% | 7.26% |
| 48 | Homebridge Financial ServicesIselin, NJ | B | 22 | 101 | 25.7% | 9.60% |
| 49 | Bank of 1889Berryville, AR | A | 22 | 182 | 3.3% | — |
| 50 | Farmers BankGreenwood, AR | C | 21 | 125 | 16.8% | — |
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.
