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 | Cadence BankTupelo, MS | B | 1,688 | 5,301 | 19.2% | 7.25% |
| 2 | Regions BankBirmingham, AL | C | 1,160 | 4,916 | 44.7% | 5.75% |
| 3 | Trustmark National BankJackson, MS | C | 1,064 | 5,531 | 12.5% | 6.75% |
| 4 | Renasant BankTupelo, MS | B | 587 | 3,188 | 14.3% | 6.99% |
| 5 | Coastal Community BankEverett, WA | C | 515 | 787 | 2.4% | 10.49% |
| 6 | KeeslerBiloxi, MS | D | 513 | 2,422 | 40.4% | 6.75% |
| 7 | Community Bank of MississippiFlowood, MS | C | 461 | 3,856 | 9.0% | 7.65% |
| 8 | Loandepot.ComIrvine, CA | D | 392 | 1,195 | 29.5% | 6.50% |
| 9 | Navy Federal Credit UnionVienna, VA | D | 326 | 1,519 | 23.8% | 6.63% |
| 10 | Figure LendingCharlotte, NC | C | 306 | 469 | 35.2% | 8.76% |
| 11 | Pennymac Loan ServicesWestlake Village, CA | C | 293 | 1,342 | 13.9% | 6.13% |
| 12 | Spring EqConshohocken, PA | D | 265 | 395 | 50.6% | 9.40% |
| 13 | Broker SolutionsTustin, CA | D | 246 | 1,585 | 9.7% | 6.88% |
| 14 | Rocket MortgagePlymouth, MI | C | 234 | 4,636 | 24.8% | 6.63% |
| 15 | Discover BankGreenwood, DE | F | 216 | 419 | 62.3% | 8.83% |
| 16 | BankPlusRidgeland, MS | B | 192 | 2,638 | 10.7% | 6.50% |
| 17 | Nationstar MortgageCoppell, TX | C | 191 | 583 | 17.7% | 7.13% |
| 18 | Hancock Whitney BankGulfport, MS | B | 181 | 795 | 25.7% | 6.00% |
| 19 | Sofi BankCottonwood Heights, UT | D | 141 | 239 | 14.2% | 7.47% |
| 20 | Crosscountry MortgageCleveland, OH | B | 107 | 941 | 4.5% | 6.63% |
| 21 | Lakeview Loan ServicingCoral Gables, FL | C | 106 | 368 | 48.1% | 6.56% |
| 22 | Mutual Credit UnionVicksburg, MS | F | 104 | 282 | 35.5% | — |
| 23 | U.S. BankCincinnati, OH | D | 100 | 234 | 50.4% | 7.50% |
| 24 | Better MortgageNew York, NY | F | 93 | 193 | 27.5% | 7.00% |
| 25 | PriorityOne BankMagee, MS | B | 92 | 758 | 8.4% | 7.25% |
| 26 | Mutual of Omaha MortgageSan Diego, CA | C | 79 | 322 | 25.8% | 6.50% |
| 27 | Bank of AmericaCharlotte, NC | F | 78 | 377 | 48.3% | 6.24% |
| 28 | Grand Bank for SavingsHattiesburg, MS | F | 67 | 148 | 28.4% | 6.29% |
| 29 | Truist BankCharlotte, NC | C | 63 | 167 | 52.7% | 6.77% |
| 30 | BankFirst Financial ServicesMacon, MS | A | 61 | 1,044 | 7.4% | 7.00% |
| 31 | CHEVRON Federal Credit UnionConcord, CA | C | 45 | 81 | 21.0% | 7.50% |
| 32 | First South Financial Federally Insured State-Chartered Credit UnionBartlett, TN | C | 43 | 111 | 23.4% | 1.99% |
| 33 | The Citizens National Bank of MeridianMeridian, MS | C | 41 | 464 | 13.6% | 6.99% |
| 34 | CB&S BankRussellville, AL | C | 39 | 268 | 23.9% | 7.20% |
| 35 | Guaranty Bank and TrustBelzoni, MS | D | 36 | 1,386 | 16.2% | 7.13% |
| 36 | Bank of Holly SpringsHolly Springs, MS | A | 34 | 248 | 8.1% | — |
| 37 | All in Federal Credit UnionDaleville, AL | D | 33 | 45 | 44.4% | 8.75% |
| 38 | Citizens BankColumbia, MS | A | 31 | 364 | 5.0% | — |
| 39 | The Citizens Bank of Philadelphia, MississippiPhiladelphia, MS | C | 31 | 425 | 7.3% | — |
| 40 | New Day FinancialWest Palm Beach, FL | F | 30 | 966 | 20.7% | 6.99% |
| 41 | RCN CapitalSouth Windsor, CT | D | 27 | 96 | 49.0% | 7.70% |
| 42 | Pentagon Federal Credit UnionMclean, VA | F | 26 | 140 | 37.9% | 6.88% |
| 43 | Unnamed lender 529900YKD9FOL6BFSG98 | C | 26 | 484 | 12.0% | — |
| 44 | JPMorgan Chase BankColumbus, OH | B | 25 | 432 | 12.3% | 6.50% |
| 45 | First Security Bank, Batesville, MississippiBatesville, MS | B | 24 | 199 | 7.0% | — |
| 46 | Wells Fargo BankCharlotte, NC | B | 24 | 312 | 24.4% | 6.44% |
| 47 | Mission LoansColumbus, OH | D | 23 | 73 | 4.1% | 7.88% |
| 48 | Planters Bank & TrustIndianola, MS | C | 21 | 453 | 9.9% | 8.25% |
| 49 | First Federal Savings and Loan AssociationPascagoula, MS | C | 20 | 148 | 10.1% | — |
| 50 | American Mortgage BankOklahoma City, OK | C | 20 | 762 | 3.7% | 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.
