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 | Coastal Community BankEverett, WA | C | 520 | 826 | 1.7% | 10.49% |
| 2 | Communityamerica Credit UnionLenexa, KS | B | 478 | 3,575 | 12.4% | 6.38% |
| 3 | U.S. BankCincinnati, OH | D | 434 | 1,534 | 31.4% | 7.28% |
| 4 | Spring EqConshohocken, PA | D | 395 | 725 | 49.1% | 9.44% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 380 | 2,103 | 10.8% | 6.49% |
| 6 | Figure LendingCharlotte, NC | C | 358 | 562 | 29.7% | 8.65% |
| 7 | Nationstar MortgageCoppell, TX | C | 351 | 864 | 14.4% | 8.25% |
| 8 | Credit Union of AmericaWichita, KS | C | 345 | 1,940 | 22.9% | 7.75% |
| 9 | Loandepot.ComIrvine, CA | D | 332 | 878 | 27.6% | 6.99% |
| 10 | Mainstreet Federal Credit UnionLenexa, KS | C | 312 | 679 | 21.5% | 8.00% |
| 11 | Bank of AmericaCharlotte, NC | F | 308 | 1,342 | 30.7% | 6.24% |
| 12 | Commerce BankKansas City, MO | D | 295 | 1,383 | 24.4% | 6.38% |
| 13 | Discover BankGreenwood, DE | F | 269 | 554 | 52.2% | 8.77% |
| 14 | Sofi BankCottonwood Heights, UT | D | 250 | 444 | 9.0% | 7.62% |
| 15 | Capitol Federal Savings BankTopeka, KS | B | 243 | 1,873 | 12.6% | 6.75% |
| 16 | Envista Credit UnionTopeka, KS | C | 220 | 1,040 | 19.8% | 6.90% |
| 17 | Navy Federal Credit UnionVienna, VA | D | 182 | 981 | 16.1% | 6.50% |
| 18 | Emprise BankWichita, KS | D | 176 | 1,014 | 31.0% | 7.70% |
| 19 | Rocket MortgagePlymouth, MI | C | 171 | 5,303 | 18.0% | 6.63% |
| 20 | Broker SolutionsTustin, CA | D | 164 | 847 | 15.1% | 6.88% |
| 21 | Intrust BankWichita, KS | C | 162 | 746 | 24.0% | 7.50% |
| 22 | Lakeview Loan ServicingCoral Gables, FL | C | 158 | 508 | 42.7% | 6.75% |
| 23 | Fidelity BankWichita, KS | C | 151 | 1,102 | 12.8% | 6.88% |
| 24 | Heartland Credit UnionHutchinson, KS | D | 146 | 877 | 10.8% | 6.99% |
| 25 | UMB BankKansas City, | B | 132 | 758 | 25.3% | 5.99% |
| 26 | BMO BankChicago, IL | F | 129 | 484 | 35.5% | 8.68% |
| 27 | Arvest BankFayetteville, AR | C | 119 | 1,062 | 14.3% | 6.75% |
| 28 | Better MortgageNew York, NY | F | 112 | 301 | 27.2% | 7.06% |
| 29 | CoreFirst Bank & TrustTopeka, KS | C | 103 | 362 | 19.9% | 8.00% |
| 30 | The Central Trust BankJefferson City, MO | C | 103 | 541 | 10.7% | 6.49% |
| 31 | Community National Bank & TrustChanute, KS | C | 100 | 1,048 | 5.1% | 7.75% |
| 32 | Equity BankWichita, KS | A | 80 | 609 | 17.9% | 6.25% |
| 33 | BOKFTulsa, OK | D | 76 | 360 | 22.2% | 6.75% |
| 34 | Azura Credit UnionTopeka, KS | D | 75 | 358 | 43.6% | 7.50% |
| 35 | Golden Plains Credit UnionGarden City, KS | C | 72 | 670 | 16.7% | 6.63% |
| 36 | WHITE EAGLE Credit UnionAugusta, | C | 68 | 166 | 10.8% | — |
| 37 | First National Bank of OmahaOmaha, NE | C | 63 | 506 | 23.3% | 7.13% |
| 38 | LendageSan Mateo, CA | B | 61 | 105 | 11.4% | 11.25% |
| 39 | Peoples Bank and TrustMcpherson, KS | A | 56 | 1,284 | 4.7% | 7.00% |
| 40 | PNC BankWilmington, DE | D | 55 | 169 | 33.7% | 6.99% |
| 41 | Mazuma Credit UnionOverland Park, KS | C | 54 | 157 | 17.2% | 7.75% |
| 42 | Mutual of Omaha MortgageSan Diego, CA | C | 51 | 335 | 14.6% | 6.38% |
| 43 | Crosscountry MortgageCleveland, OH | B | 50 | 797 | 2.0% | 6.63% |
| 44 | Truity Federal Credit UnionBartlesville, OK | C | 43 | 230 | 12.2% | 6.60% |
| 45 | RCN CapitalSouth Windsor, CT | D | 40 | 88 | 47.7% | 7.34% |
| 46 | Fairway Independent MortgageMadison, WI | B | 38 | 2,360 | 2.0% | 6.63% |
| 47 | Great Southern BankReeds Spring, MO | C | 37 | 123 | 31.7% | 6.63% |
| 48 | Mid American Credit UnionWichita, KS | D | 37 | 223 | 12.6% | 7.00% |
| 49 | Homebridge Financial ServicesIselin, NJ | B | 36 | 74 | 17.6% | 10.72% |
| 50 | NBKC BankKansas, MO | B | 34 | 610 | 7.1% | 6.38% |
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.
