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 | 4,669 | 20,315 | 32.7% | 7.97% |
| 2 | ESL Federal Credit UnionRochester, NY | B | 3,500 | 7,817 | 17.6% | 4.50% |
| 3 | Bethpage Federal Credit UnionBethpage, NY | C | 2,453 | 9,736 | 47.2% | 6.49% |
| 4 | Bank of AmericaCharlotte, NC | F | 1,889 | 10,193 | 35.7% | 5.99% |
| 5 | Manufacturers and Traders TrustBuffalo, NY | C | 1,870 | 12,335 | 31.3% | 5.99% |
| 6 | Discover BankGreenwood, DE | F | 1,822 | 3,894 | 57.3% | 8.65% |
| 7 | Hudson Valley Credit UnionPoughkeepsie, NY | B | 1,627 | 6,638 | 25.4% | 4.50% |
| 8 | Teachers Federal Credit UnionHauppauge, NY | D | 1,602 | 3,137 | 11.1% | 6.99% |
| 9 | Broadview Federal Credit UnionAlbany, NY | C | 1,463 | 7,432 | 26.7% | 6.25% |
| 10 | CitibankSioux Falls, SD | B | 1,419 | 7,735 | 17.3% | 6.13% |
| 11 | TD BankWilmington, DE | D | 1,342 | 9,239 | 30.2% | 7.69% |
| 12 | Loandepot.ComIrvine, CA | D | 1,210 | 3,857 | 18.5% | 6.75% |
| 13 | Nassau Educators Federal Credit UnionWestbury, NY | B | 1,129 | 3,641 | 41.7% | 5.99% |
| 14 | Community BankCanton, NY | D | 1,125 | 5,574 | 16.0% | 7.00% |
| 15 | Municipal Credit UnionNew York, NY | D | 1,025 | 2,484 | 28.3% | 6.88% |
| 16 | TrustCo BankGlenville, NY | B | 1,017 | 2,879 | 20.8% | 5.88% |
| 17 | JPMorgan Chase BankColumbus, OH | B | 1,015 | 14,735 | 11.7% | 6.38% |
| 18 | Better MortgageNew York, NY | F | 940 | 1,712 | 30.8% | 8.63% |
| 19 | Rocket MortgagePlymouth, MI | C | 894 | 19,924 | 22.0% | 6.88% |
| 20 | NBT BankNorwich, NY | B | 832 | 3,012 | 22.1% | 5.00% |
| 21 | Navy Federal Credit UnionVienna, VA | D | 814 | 3,600 | 26.1% | 7.34% |
| 22 | Empower Federal Credit UnionSyracuse, NY | B | 807 | 4,276 | 15.4% | 7.25% |
| 23 | SuffolkMedford, NY | C | 725 | 2,289 | 30.4% | 5.99% |
| 24 | Crosscountry MortgageCleveland, OH | B | 667 | 7,792 | 5.5% | 6.75% |
| 25 | AMERICU Credit UnionRome, NY | C | 645 | 3,444 | 24.1% | 6.13% |
| 26 | KeyBankCleveland, OH | C | 629 | 4,212 | 26.5% | 6.50% |
| 27 | Homebridge Financial ServicesIselin, NJ | B | 606 | 2,335 | 19.5% | 9.41% |
| 28 | THE SUMMIT Federal Credit UnionRochester, NY | C | 550 | 1,675 | 28.1% | 7.25% |
| 29 | U.S. BankCincinnati, OH | D | 503 | 2,629 | 29.4% | 6.25% |
| 30 | Figure LendingCharlotte, NC | C | 454 | 848 | 33.5% | 9.10% |
| 31 | Visions Federal Credit UnionEndicott, NY | C | 401 | 1,855 | 23.5% | 7.25% |
| 32 | Northwest BankWarren, PA | B | 349 | 1,443 | 18.5% | 6.25% |
| 33 | Reliant Community Federal Credit UnionSodus, NY | D | 332 | 1,018 | 22.1% | 7.39% |
| 34 | PNC BankWilmington, DE | D | 313 | 1,259 | 39.0% | 7.06% |
| 35 | Cornerstone Community Federal Credit UnionLockport, NY | A | 311 | 1,061 | 11.5% | 3.99% |
| 36 | Island Federal Credit UnionHauppauge, NY | D | 307 | 982 | 25.1% | 7.10% |
| 37 | RCN CapitalSouth Windsor, CT | D | 286 | 707 | 53.6% | 8.00% |
| 38 | Northern Credit UnionWatertown, NY | B | 263 | 1,062 | 17.0% | 6.38% |
| 39 | Servu Federal Credit UnionPainted Post, NY | C | 256 | 603 | 11.4% | — |
| 40 | Hudson River CommunityCorinth, NY | C | 244 | 402 | 36.1% | 6.28% |
| 41 | Quontic BankAstoria, NY | F | 244 | 980 | 11.7% | 8.13% |
| 42 | First SourceNew Hartford, NY | D | 243 | 1,264 | 14.2% | 6.74% |
| 43 | Tompkins Community BankIthaca, NY | B | 240 | 1,592 | 17.4% | 6.25% |
| 44 | Third Federal Savings and Loan Association of ClevelandCleveland, OH | C | 229 | 686 | 43.9% | 6.99% |
| 45 | Finance of America ReverseTulsa, OK | C | 228 | 538 | 10.0% | 6.50% |
| 46 | Morgan Stanley Private BankNew York, NY | A | 226 | 1,283 | 4.7% | 5.80% |
| 47 | Corning Credit UnionCorning, NY | A | 223 | 1,141 | 11.0% | 6.14% |
| 48 | The Canandaigua National Bank and TrustCanandaigua, NY | A | 219 | 922 | 13.0% | 7.75% |
| 49 | East West BankPasadena, CA | B | 215 | 1,261 | 15.6% | 6.75% |
| 50 | Ark MortgageMontebello, NY | B | 199 | 928 | 1.4% | 7.38% |
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.
