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 | The Huntington National BankColumbus, OH | D | 7,911 | 42,683 | 25.8% | 7.59% |
| 2 | Fifth Third BankCincinnati, OH | D | 4,517 | 21,939 | 25.6% | 7.50% |
| 3 | Third Federal Savings and Loan Association of ClevelandCleveland, OH | C | 3,279 | 12,622 | 23.0% | 6.74% |
| 4 | PNC BankWilmington, DE | D | 3,083 | 11,607 | 24.6% | 7.40% |
| 5 | Coastal Community BankEverett, WA | C | 2,758 | 4,733 | 1.4% | 10.74% |
| 6 | U.S. BankCincinnati, OH | D | 2,569 | 8,623 | 38.0% | 7.60% |
| 7 | Figure LendingCharlotte, NC | C | 2,025 | 3,065 | 23.4% | 8.80% |
| 8 | Citizens BankProvidence, RI | C | 1,927 | 7,775 | 24.3% | 7.65% |
| 9 | Spring EqConshohocken, PA | D | 1,617 | 2,963 | 52.2% | 9.50% |
| 10 | Loandepot.ComIrvine, CA | D | 1,444 | 5,699 | 20.7% | 6.75% |
| 11 | Wright-Patt Credit UnionBeavercreek, OH | C | 1,258 | 8,791 | 28.1% | 7.50% |
| 12 | Discover BankGreenwood, DE | F | 1,209 | 2,544 | 54.3% | 8.94% |
| 13 | Pennymac Loan ServicesWestlake Village, CA | C | 1,104 | 5,767 | 11.8% | 6.49% |
| 14 | Crosscountry MortgageCleveland, OH | B | 1,042 | 16,066 | 3.1% | 6.75% |
| 15 | Sofi BankCottonwood Heights, UT | D | 983 | 1,776 | 6.4% | 7.63% |
| 16 | Nationstar MortgageCoppell, TX | C | 912 | 2,660 | 14.4% | 7.43% |
| 17 | First Financial BankCincinnati, OH | D | 903 | 4,284 | 22.3% | 6.25% |
| 18 | Navy Federal Credit UnionVienna, VA | D | 826 | 3,865 | 19.6% | 7.00% |
| 19 | Kemba Financial Credit UnionGahanna, OH | C | 807 | 3,331 | 29.6% | 7.00% |
| 20 | General Electric Credit UnionBlue Ash, OH | A | 804 | 1,213 | 11.1% | 5.99% |
| 21 | Rocket MortgagePlymouth, MI | C | 804 | 23,165 | 18.5% | 6.63% |
| 22 | WesBanco BankWheeling, | B | 775 | 4,383 | 17.3% | 6.38% |
| 23 | Superior Credit UnionLima, OH | D | 749 | 3,705 | 12.7% | 6.50% |
| 24 | Broker SolutionsTustin, CA | D | 648 | 4,499 | 9.2% | 6.99% |
| 25 | LendageSan Mateo, CA | B | 623 | 965 | 11.5% | 11.25% |
| 26 | JPMorgan Chase BankColumbus, OH | B | 586 | 6,671 | 10.3% | 6.50% |
| 27 | RCN CapitalSouth Windsor, CT | D | 571 | 1,391 | 37.6% | 7.85% |
| 28 | KeyBankCleveland, OH | C | 571 | 3,468 | 24.7% | 6.63% |
| 29 | The Park National BankNewark, OH | C | 510 | 4,596 | 16.8% | 7.25% |
| 30 | Union Savings BankCincinnati, OH | A | 485 | 6,982 | 5.1% | 6.75% |
| 31 | Mm LendingBardstown, KY | B | 464 | 464 | 0.0% | 12.00% |
| 32 | Bank of AmericaCharlotte, NC | F | 449 | 2,149 | 33.7% | 5.99% |
| 33 | TelhioColumbus, OH | F | 437 | 1,286 | 19.1% | 7.95% |
| 34 | Lakeview Loan ServicingCoral Gables, FL | C | 415 | 1,486 | 46.9% | 6.63% |
| 35 | Better MortgageNew York, NY | F | 408 | 1,106 | 26.7% | 7.13% |
| 36 | Seven Seventeen Credit UnionWarren, OH | C | 385 | 2,553 | 18.1% | 7.00% |
| 37 | Union Home MortgageStrongsville, OH | B | 351 | 7,114 | 4.6% | 6.75% |
| 38 | Day Air Credit UnionKettering, OH | D | 336 | 1,114 | 12.4% | 7.24% |
| 39 | Dollar Bank, Federal Savings BankPittsburgh, PA | C | 332 | 1,900 | 25.8% | 6.75% |
| 40 | First Commonwealth BankIndiana, PA | C | 305 | 2,066 | 18.2% | 6.13% |
| 41 | Rain City CapitalKirkland, WA | D | 299 | 299 | 39.8% | 10.50% |
| 42 | Kemba Credit UnionWest Chester, OH | C | 274 | 773 | 21.2% | 7.50% |
| 43 | First Federal Savings and Loan Association of LakewoodLakewood, OH | B | 260 | 1,604 | 10.4% | 6.75% |
| 44 | Pathways Financial Credit UnionColumbus, OH | C | 254 | 565 | 26.7% | 6.49% |
| 45 | Directions Credit UnionToledo, OH | B | 243 | 954 | 21.4% | 6.88% |
| 46 | Mutual of Omaha MortgageSan Diego, CA | C | 231 | 2,023 | 14.6% | 6.63% |
| 47 | Civista BankSandusky, OH | B | 226 | 1,642 | 11.3% | 6.75% |
| 48 | First National Bank of PennsylvaniaHermitage, PA | B | 220 | 2,206 | 23.9% | 6.49% |
| 49 | Peoples BankMarietta, OH | C | 200 | 1,751 | 17.5% | 7.24% |
| 50 | Guardian Savings BankWest Chester, OH | B | 191 | 1,133 | 13.2% | 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.
