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 | 1,286 | 3,745 | 40.2% | 7.65% |
| 2 | AMERICA FIRST Federal Credit UnionRiverdale, UT | C | 1,099 | 3,873 | 28.6% | 7.24% |
| 3 | Bank of AmericaCharlotte, NC | F | 946 | 3,296 | 35.9% | 6.24% |
| 4 | Navy Federal Credit UnionVienna, VA | D | 887 | 2,579 | 24.5% | 7.75% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 872 | 3,188 | 12.5% | 6.62% |
| 6 | Figure LendingCharlotte, NC | C | 818 | 1,260 | 26.9% | 8.95% |
| 7 | Loandepot.ComIrvine, CA | D | 796 | 2,484 | 18.2% | 6.99% |
| 8 | Zions BancorporationSalt Lake City, UT | B | 638 | 2,224 | 36.0% | 5.50% |
| 9 | Spring EqConshohocken, PA | D | 595 | 1,149 | 45.2% | 9.25% |
| 10 | Clark County Credit UnionLas Vegas, NV | F | 587 | 1,469 | 25.7% | 7.75% |
| 11 | Sofi BankCottonwood Heights, UT | D | 572 | 876 | 9.9% | 7.72% |
| 12 | Discover BankGreenwood, DE | F | 534 | 996 | 54.4% | 8.73% |
| 13 | One Nevada Credit UnionLas Vegas, NV | D | 434 | 1,112 | 44.7% | 6.88% |
| 14 | Nationstar MortgageCoppell, TX | C | 424 | 960 | 13.3% | 8.25% |
| 15 | Silver State Schools Service CompanyLas Vegas, NV | C | 342 | 848 | 26.1% | 5.99% |
| 16 | Lakeview Loan ServicingCoral Gables, FL | C | 284 | 920 | 43.6% | 6.43% |
| 17 | Better MortgageNew York, NY | F | 269 | 592 | 29.1% | 7.25% |
| 18 | United Federal Credit UnionSaint Joseph, MI | D | 262 | 962 | 28.9% | 7.05% |
| 19 | Broker SolutionsTustin, CA | D | 262 | 2,559 | 8.9% | 6.75% |
| 20 | Mountain America Federal Credit UnionSandy, UT | D | 245 | 1,051 | 41.7% | 7.49% |
| 21 | Rocket MortgagePlymouth, MI | C | 238 | 6,889 | 15.4% | 6.88% |
| 22 | Crosscountry MortgageCleveland, OH | B | 236 | 2,251 | 4.6% | 6.75% |
| 23 | JPMorgan Chase BankColumbus, OH | B | 186 | 1,450 | 11.7% | 6.50% |
| 24 | The Loan StoreSan Francisco, CA | B | 160 | 1,219 | 8.9% | 6.75% |
| 25 | Guaranteed RateChicago, IL | B | 153 | 1,862 | 8.6% | 6.75% |
| 26 | Alliant Credit UnionChicago, IL | D | 139 | 338 | 26.6% | 8.00% |
| 27 | CitibankSioux Falls, SD | B | 120 | 345 | 22.6% | 6.38% |
| 28 | Mission LoansColumbus, OH | D | 120 | 368 | 2.2% | 7.00% |
| 29 | Finance of America ReverseTulsa, OK | C | 90 | 251 | 8.0% | 6.52% |
| 30 | Wells Fargo BankCharlotte, NC | B | 86 | 922 | 17.6% | 6.38% |
| 31 | Mutual of Omaha MortgageSan Diego, CA | C | 84 | 862 | 17.5% | 6.38% |
| 32 | Homebridge Financial ServicesIselin, NJ | B | 80 | 224 | 17.9% | 10.08% |
| 33 | Pentagon Federal Credit UnionMclean, VA | F | 71 | 304 | 26.6% | 7.63% |
| 34 | CMG MortgageSan Ramon, CA | A | 62 | 1,495 | 6.2% | 6.70% |
| 35 | Lantzman ManagementSan Diego, CA | A | 55 | 79 | 0.0% | 10.50% |
| 36 | BMO BankChicago, IL | F | 53 | 266 | 33.8% | 8.23% |
| 37 | Guild MortgageSan Diego, CA | A | 52 | 5,533 | 2.6% | 6.50% |
| 38 | Great Basin Federal Credit UnionReno, NV | D | 47 | 135 | 43.0% | 7.75% |
| 39 | Morgan Stanley Private BankNew York, NY | A | 42 | 147 | 2.7% | 5.85% |
| 40 | Bethpage Federal Credit UnionBethpage, NY | C | 39 | 132 | 40.2% | 6.49% |
| 41 | Planet Home LendingMeriden, CT | B | 33 | 272 | 22.1% | 5.99% |
| 42 | Georgia'S OwnAtlanta, GA | F | 27 | 47 | 21.3% | 8.25% |
| 43 | Glacier BankKalispell, MT | D | 27 | 117 | 19.7% | 7.75% |
| 44 | Movement MortgageLancaster, SC | A | 26 | 911 | 6.2% | 6.88% |
| 45 | Longbridge FinancialMahwah, NJ | F | 25 | 164 | 11.6% | 6.13% |
| 46 | Aloha Pacific Federal Credit UnionHonolulu, HI | B | 24 | 75 | 48.0% | 5.75% |
| 47 | First Technology Federal Credit UnionSan Jose, CA | B | 22 | 43 | 23.3% | 7.50% |
| 48 | Deephaven MortgageCharlotte, NC | D | 22 | 162 | 24.1% | 7.38% |
| 49 | New Day FinancialWest Palm Beach, FL | F | 20 | 758 | 27.6% | 6.75% |
| 50 | Operating Engineers Local Union #3Livermore, CA | F | 19 | 38 | 23.7% | 7.63% |
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.
