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 | U.S. BankCincinnati, OH | D | 1,966 | 7,190 | 32.8% | 7.63% |
| 2 | The Central Trust BankJefferson City, MO | C | 1,292 | 7,022 | 9.7% | 6.63% |
| 3 | Commerce BankKansas City, MO | D | 1,178 | 4,905 | 27.2% | 6.72% |
| 4 | First CommunityChesterfield, MO | F | 1,068 | 4,377 | 25.6% | 5.95% |
| 5 | Communityamerica Credit UnionLenexa, KS | B | 980 | 5,843 | 16.8% | 6.49% |
| 6 | Spring EqConshohocken, PA | D | 872 | 1,413 | 44.8% | 9.39% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 862 | 4,610 | 12.1% | 6.38% |
| 8 | Bank of AmericaCharlotte, NC | F | 793 | 3,487 | 30.0% | 6.24% |
| 9 | Nationstar MortgageCoppell, TX | C | 752 | 1,951 | 14.0% | 7.75% |
| 10 | Loandepot.ComIrvine, CA | D | 734 | 2,183 | 28.4% | 6.88% |
| 11 | Discover BankGreenwood, DE | F | 671 | 1,312 | 53.4% | 8.66% |
| 12 | Figure LendingCharlotte, NC | C | 648 | 1,028 | 25.9% | 8.70% |
| 13 | Sofi BankCottonwood Heights, UT | D | 523 | 947 | 9.3% | 7.57% |
| 14 | Regions BankBirmingham, AL | C | 521 | 2,308 | 33.8% | 4.99% |
| 15 | Broker SolutionsTustin, CA | D | 476 | 5,007 | 7.8% | 6.88% |
| 16 | Navy Federal Credit UnionVienna, VA | D | 466 | 2,262 | 20.8% | 6.63% |
| 17 | Arvest BankFayetteville, AR | C | 458 | 3,204 | 15.0% | 6.88% |
| 18 | Rocket MortgagePlymouth, MI | C | 356 | 10,460 | 18.4% | 6.63% |
| 19 | West Community Credit UnionO'Fallon, MO | B | 341 | 982 | 20.5% | 6.99% |
| 20 | Lakeview Loan ServicingCoral Gables, FL | C | 341 | 1,226 | 41.8% | 6.63% |
| 21 | PNC BankWilmington, DE | D | 322 | 1,070 | 27.3% | 7.63% |
| 22 | Hawthorn BankJefferson City, MO | A | 303 | 566 | 16.4% | 6.75% |
| 23 | First State Community BankFarmington, MO | C | 299 | 2,851 | 12.6% | 6.88% |
| 24 | Great Southern BankReeds Spring, MO | C | 289 | 1,384 | 22.6% | 6.63% |
| 25 | Together Credit UnionSaint Louis, MO | C | 285 | 1,733 | 15.2% | 7.25% |
| 26 | VANTAGE Credit UnionSaint Charles, MO | D | 277 | 1,024 | 24.2% | 7.25% |
| 27 | Better MortgageNew York, NY | F | 261 | 617 | 26.6% | 7.50% |
| 28 | UMB BankKansas City, | B | 249 | 1,264 | 23.8% | 5.99% |
| 29 | NEIGHBORS Credit UnionSaint Louis, MO | D | 237 | 772 | 21.9% | — |
| 30 | RCN CapitalSouth Windsor, CT | D | 221 | 526 | 31.2% | 7.46% |
| 31 | River Region Credit UnionJefferson City, MO | A | 205 | 1,485 | 7.1% | — |
| 32 | Mazuma Credit UnionOverland Park, KS | C | 202 | 549 | 23.9% | 7.75% |
| 33 | BluCurrent Credit UnionSpringfield, MO | A | 200 | 734 | 14.6% | 7.00% |
| 34 | Southern BankPoplar Bluff, MO | A | 199 | 1,327 | 5.2% | 7.50% |
| 35 | Cadence BankTupelo, MS | B | 161 | 716 | 14.0% | 7.00% |
| 36 | Crosscountry MortgageCleveland, OH | B | 161 | 1,787 | 4.0% | 6.69% |
| 37 | Stifel Bank and TrustSaint Louis, MO | A | 155 | 1,722 | 2.3% | 6.38% |
| 38 | BMO BankChicago, IL | F | 150 | 652 | 31.3% | 8.48% |
| 39 | The Bank of MissouriPerryville, MO | C | 146 | 1,113 | 13.1% | 6.75% |
| 40 | Mutual of Omaha MortgageSan Diego, CA | C | 142 | 1,012 | 19.1% | 6.38% |
| 41 | Southwest Missouri BankCarthage, MO | C | 135 | 735 | 10.8% | 7.75% |
| 42 | Valon MortgagePhoenix, AZ | C | 131 | 279 | 13.3% | 8.45% |
| 43 | Rain City CapitalKirkland, WA | D | 124 | 124 | 51.6% | 10.50% |
| 44 | Simmons BankPine Bluff, AR | C | 123 | 750 | 26.8% | 4.99% |
| 45 | First BankSt. Louis, MO | C | 121 | 914 | 10.9% | 6.75% |
| 46 | Homebridge Financial ServicesIselin, NJ | B | 113 | 268 | 15.7% | 9.91% |
| 47 | Third Federal Savings and Loan Association of ClevelandCleveland, OH | C | 110 | 308 | 31.5% | 6.99% |
| 48 | JPMorgan Chase BankColumbus, OH | B | 97 | 1,300 | 11.2% | 6.50% |
| 49 | Oakstar BankSpringfield, MO | A | 80 | 840 | 3.0% | 7.25% |
| 50 | Carrollton BankCarrollton, IL | A | 77 | 881 | 7.3% | 6.75% |
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.
