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 | Fifth Third BankCincinnati, OH | D | 1,168 | 5,663 | 25.5% | 7.75% |
| 2 | U.S. BankCincinnati, OH | D | 1,141 | 4,887 | 29.5% | 7.00% |
| 3 | PNC BankWilmington, DE | D | 1,057 | 3,585 | 23.7% | 7.40% |
| 4 | Coastal Community BankEverett, WA | C | 852 | 1,390 | 1.5% | 10.99% |
| 5 | CommonwealthFrankfort, KY | C | 814 | 3,270 | 24.9% | 7.25% |
| 6 | L & N Federal Credit UnionLouisville, KY | A | 707 | 1,956 | 7.5% | 7.00% |
| 7 | University of KentuckyLexington, KY | B | 667 | 2,979 | 21.7% | 7.00% |
| 8 | Truist BankCharlotte, NC | C | 563 | 2,055 | 33.3% | 6.60% |
| 9 | Spring EqConshohocken, PA | D | 534 | 881 | 49.5% | 9.53% |
| 10 | Pennymac Loan ServicesWestlake Village, CA | C | 524 | 2,464 | 11.9% | 6.25% |
| 11 | Stock Yards Bank & TrustLouisville, KY | B | 500 | 3,044 | 19.8% | 6.50% |
| 12 | Figure LendingCharlotte, NC | C | 456 | 637 | 27.6% | 9.65% |
| 13 | Republic Bank & TrustLouisville, KY | B | 394 | 2,214 | 8.3% | 6.00% |
| 14 | Discover BankGreenwood, DE | F | 379 | 752 | 55.1% | 8.77% |
| 15 | Nationstar MortgageCoppell, TX | C | 371 | 942 | 13.1% | 7.75% |
| 16 | Loandepot.ComIrvine, CA | D | 355 | 1,049 | 28.0% | 6.75% |
| 17 | Community Trust BankPikeville, KY | B | 336 | 2,621 | 12.9% | 6.63% |
| 18 | Independence Bank of KentuckyOwensboro, KY | B | 331 | 1,430 | 13.9% | 7.00% |
| 19 | Sofi BankCottonwood Heights, UT | D | 330 | 575 | 11.1% | 7.63% |
| 20 | WesBanco BankWheeling, | B | 312 | 1,007 | 21.8% | 3.99% |
| 21 | Navy Federal Credit UnionVienna, VA | D | 303 | 1,397 | 21.0% | 6.63% |
| 22 | German American BankJasper, IN | A | 281 | 1,484 | 15.3% | 6.99% |
| 23 | The Huntington National BankColumbus, OH | D | 257 | 1,482 | 23.8% | 7.13% |
| 24 | Abound Federal Credit UnionRadcliff, KY | C | 255 | 2,156 | 14.8% | 7.00% |
| 25 | Rocket MortgagePlymouth, MI | C | 250 | 8,420 | 18.1% | 6.75% |
| 26 | Guardian Savings BankWest Chester, OH | B | 249 | 1,767 | 8.5% | 6.63% |
| 27 | Broker SolutionsTustin, CA | D | 246 | 2,519 | 8.9% | 6.63% |
| 28 | Mm LendingBardstown, KY | B | 216 | 216 | 0.0% | 12.00% |
| 29 | First Financial BankCincinnati, OH | D | 207 | 1,683 | 16.2% | 6.38% |
| 30 | Central Bank & TrustLexington, KY | B | 205 | 1,102 | 9.0% | 7.25% |
| 31 | Whitaker BankLexington, KY | B | 202 | 803 | 10.2% | 6.25% |
| 32 | Lakeview Loan ServicingCoral Gables, FL | C | 197 | 827 | 42.4% | 6.50% |
| 33 | Heritage BankBurlington, KY | C | 190 | 360 | 19.2% | — |
| 34 | The Cecilian BankCecilia, KY | C | 190 | 855 | 6.0% | 7.50% |
| 35 | General Electric Credit UnionBlue Ash, OH | A | 178 | 250 | 9.2% | 5.99% |
| 36 | Citizens BankProvidence, RI | C | 173 | 520 | 26.2% | 7.90% |
| 37 | Bank of AmericaCharlotte, NC | F | 150 | 677 | 34.4% | 6.25% |
| 38 | Crosscountry MortgageCleveland, OH | B | 147 | 1,483 | 4.3% | 6.75% |
| 39 | JPMorgan Chase BankColumbus, OH | B | 142 | 1,450 | 9.3% | 6.50% |
| 40 | City National Bank of West VirginiaCharleston, WV | C | 141 | 1,015 | 25.3% | 6.29% |
| 41 | LendageSan Mateo, CA | B | 134 | 228 | 13.6% | 10.75% |
| 42 | Peoples BankMarietta, OH | C | 133 | 832 | 30.1% | 7.25% |
| 43 | Old National BankEvansville, IN | B | 124 | 737 | 16.7% | 6.25% |
| 44 | Regions BankBirmingham, AL | C | 121 | 567 | 34.0% | 6.06% |
| 45 | Better MortgageNew York, NY | F | 108 | 347 | 29.1% | 6.63% |
| 46 | Park Federal Credit UnionLouisville, KY | B | 108 | 758 | 15.6% | 7.50% |
| 47 | Traditional BankMount Sterling, KY | B | 103 | 902 | 10.1% | 7.25% |
| 48 | Third Federal Savings and Loan Association of ClevelandCleveland, OH | C | 92 | 335 | 23.3% | 6.89% |
| 49 | Class Act Federal Credit UnionLouisville, KY | D | 87 | 200 | 22.0% | — |
| 50 | Mutual of Omaha MortgageSan Diego, CA | C | 87 | 541 | 19.0% | 6.63% |
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.
