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 | Citizens BankProvidence, RI | C | 3,308 | 12,113 | 28.9% | 7.40% |
| 2 | PNC BankWilmington, DE | D | 3,190 | 10,815 | 27.8% | 7.75% |
| 3 | Bank of AmericaCharlotte, NC | F | 2,695 | 12,142 | 30.6% | 6.00% |
| 4 | Spring EqConshohocken, PA | D | 2,536 | 4,386 | 50.0% | 9.03% |
| 5 | TD BankWilmington, DE | D | 2,332 | 12,532 | 26.2% | 7.49% |
| 6 | Coastal Community BankEverett, WA | C | 2,097 | 4,026 | 2.0% | 10.49% |
| 7 | Figure LendingCharlotte, NC | C | 1,695 | 2,715 | 29.5% | 9.40% |
| 8 | Discover BankGreenwood, DE | F | 1,653 | 3,274 | 52.7% | 8.52% |
| 9 | Loandepot.ComIrvine, CA | D | 1,649 | 6,491 | 15.3% | 6.63% |
| 10 | Sofi BankCottonwood Heights, UT | D | 1,601 | 2,601 | 9.7% | 7.69% |
| 11 | Pennymac Loan ServicesWestlake Village, CA | C | 1,497 | 6,343 | 12.9% | 6.62% |
| 12 | Crosscountry MortgageCleveland, OH | B | 1,234 | 12,042 | 5.3% | 6.75% |
| 13 | Navy Federal Credit UnionVienna, VA | D | 986 | 3,633 | 25.2% | 7.84% |
| 14 | Nationstar MortgageCoppell, TX | C | 918 | 2,406 | 14.9% | 7.75% |
| 15 | Better MortgageNew York, NY | F | 911 | 2,018 | 23.9% | 8.00% |
| 16 | Provident BankWoodbridge Township, NJ | C | 891 | 2,255 | 25.9% | 7.00% |
| 17 | Homebridge Financial ServicesIselin, NJ | B | 627 | 1,410 | 15.2% | 10.16% |
| 18 | Lakeview Loan ServicingCoral Gables, FL | C | 619 | 2,074 | 52.2% | 6.75% |
| 19 | LendageSan Mateo, CA | B | 559 | 896 | 16.6% | 11.00% |
| 20 | Rocket MortgagePlymouth, MI | C | 548 | 16,339 | 16.1% | 6.75% |
| 21 | U.S. BankCincinnati, OH | D | 521 | 2,555 | 26.5% | 6.63% |
| 22 | Broker SolutionsTustin, CA | D | 514 | 3,976 | 9.7% | 6.88% |
| 23 | JPMorgan Chase BankColumbus, OH | B | 471 | 5,588 | 10.6% | 6.38% |
| 24 | OceanFirst BankRed Bank, NJ | A | 466 | 2,861 | 9.5% | 6.38% |
| 25 | Third Federal Savings and Loan Association of ClevelandCleveland, OH | C | 458 | 1,457 | 34.7% | 6.99% |
| 26 | Manufacturers and Traders TrustBuffalo, NY | C | 453 | 2,864 | 33.5% | 5.99% |
| 27 | Guaranteed RateChicago, IL | B | 447 | 8,643 | 5.5% | 6.58% |
| 28 | Valley National BankPassaic, NJ | B | 406 | 2,510 | 20.6% | 6.49% |
| 29 | Fulton BankLancaster, PA | C | 391 | 2,094 | 27.1% | 6.49% |
| 30 | FIRST HARVEST Federal Credit UnionDeptford, NJ | F | 379 | 807 | 25.3% | 7.74% |
| 31 | Visions Federal Credit UnionEndicott, NY | C | 334 | 1,541 | 26.1% | 7.25% |
| 32 | Truist BankCharlotte, NC | C | 298 | 1,002 | 41.3% | 6.37% |
| 33 | American Heritage FCUPhiladelphia, PA | D | 295 | 837 | 39.0% | 6.74% |
| 34 | Credit Union of New Jersey, a Federal Credit UnionEwing, NJ | F | 275 | 547 | 46.4% | 7.99% |
| 35 | Columbia BankFair Lawn, NJ | D | 262 | 1,534 | 19.4% | 6.74% |
| 36 | AffinityBasking Ridge, NJ | C | 256 | 2,506 | 25.9% | 4.90% |
| 37 | Mission LoansColumbus, OH | D | 246 | 570 | 2.8% | 8.06% |
| 38 | Pentagon Federal Credit UnionMclean, VA | F | 232 | 1,199 | 41.3% | 7.75% |
| 39 | Alliant Credit UnionChicago, IL | D | 225 | 536 | 36.4% | 7.75% |
| 40 | CitibankSioux Falls, SD | B | 210 | 1,444 | 15.6% | 6.00% |
| 41 | Bethpage Federal Credit UnionBethpage, NY | C | 207 | 739 | 40.2% | 6.49% |
| 42 | Amboy BankOld Bridge, NJ | A | 206 | 417 | 15.6% | — |
| 43 | ABCO Federal Credit UnionWillingboro, NJ | D | 203 | 339 | 27.1% | 7.49% |
| 44 | The Loan StoreSan Francisco, CA | B | 195 | 1,438 | 11.6% | 7.13% |
| 45 | First Atlantic Federal Credit UnionEatontown, NJ | C | 187 | 316 | 19.0% | 6.00% |
| 46 | Princeton Federal Credit UnionPrinceton, NJ | A | 168 | 315 | 4.8% | 5.99% |
| 47 | Municipal Credit UnionNew York, NY | D | 165 | 504 | 20.2% | 5.99% |
| 48 | Wells Fargo BankCharlotte, NC | B | 159 | 3,047 | 14.7% | 6.25% |
| 49 | Finance of America ReverseTulsa, OK | C | 154 | 388 | 11.1% | 6.50% |
| 50 | Mutual of Omaha MortgageSan Diego, CA | C | 149 | 1,310 | 20.6% | 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.
