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 | Carrington Mortgage ServicesOrange, CA | D | 0 | 5 | 40.0% | 2.75% |
| 2 | CMG MortgageSan Ramon, CA | A | 0 | 80 | 7.5% | 6.00% |
| 3 | Total Mortgage ServicesMilford, CT | B | 0 | 125 | 3.2% | 6.25% |
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.
