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 | Onpoint Community Credit UnionPortland, OR | B | 1,677 | 10,710 | 15.7% | 7.50% |
| 2 | U.S. BankCincinnati, OH | D | 1,404 | 4,875 | 31.6% | 7.85% |
| 3 | Spring EqConshohocken, PA | D | 975 | 1,813 | 49.9% | 9.05% |
| 4 | Coastal Community BankEverett, WA | C | 817 | 1,438 | 1.9% | 9.99% |
| 5 | Selco CommunitySpringfield, OR | C | 743 | 2,031 | 30.5% | 7.25% |
| 6 | Figure LendingCharlotte, NC | C | 722 | 1,131 | 27.7% | 8.90% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 702 | 2,642 | 10.2% | 6.62% |
| 8 | First Technology Federal Credit UnionSan Jose, CA | B | 647 | 2,230 | 12.6% | 7.38% |
| 9 | Rogue Credit UnionMedford, OR | C | 623 | 2,511 | 10.2% | 7.49% |
| 10 | Bank of AmericaCharlotte, NC | F | 595 | 2,389 | 26.6% | 6.24% |
| 11 | Rivermark CommunityOregon City, OR | D | 588 | 1,357 | 17.0% | 7.74% |
| 12 | Loandepot.ComIrvine, CA | D | 517 | 1,991 | 15.5% | 6.75% |
| 13 | Umpqua BankLake Oswego, OR | C | 503 | 3,155 | 23.0% | 7.50% |
| 14 | Oregon State Credit UnionCorvallis, OR | C | 491 | 1,292 | 11.5% | 7.50% |
| 15 | Oregon CommunityEugene, OR | B | 490 | 2,232 | 12.1% | 7.50% |
| 16 | Sofi BankCottonwood Heights, UT | D | 472 | 742 | 9.0% | 7.75% |
| 17 | Nationstar MortgageCoppell, TX | C | 448 | 1,023 | 15.4% | 8.38% |
| 18 | Marion and Polk Schools Credit UnionSalem, OR | B | 444 | 1,115 | 13.0% | 7.25% |
| 19 | First CommunityCoquille, OR | B | 417 | 1,844 | 19.0% | 5.50% |
| 20 | Mid OregonBend, OR | C | 414 | 799 | 14.6% | 7.99% |
| 21 | Discover BankGreenwood, DE | F | 413 | 797 | 50.8% | 8.97% |
| 22 | TwinstarLacey, WA | D | 291 | 959 | 28.0% | 7.50% |
| 23 | Navy Federal Credit UnionVienna, VA | D | 273 | 1,171 | 20.8% | 7.00% |
| 24 | Alliant Credit UnionChicago, IL | D | 260 | 509 | 16.7% | 8.25% |
| 25 | Unitus Community Credit UnionTigard, OR | D | 254 | 1,033 | 34.5% | 7.25% |
| 26 | Lakeview Loan ServicingCoral Gables, FL | C | 246 | 854 | 47.9% | 6.50% |
| 27 | Rain City CapitalKirkland, WA | D | 233 | 233 | 27.9% | 11.00% |
| 28 | Better MortgageNew York, NY | F | 229 | 804 | 24.5% | 6.88% |
| 29 | Crosscountry MortgageCleveland, OH | B | 227 | 2,360 | 4.4% | 6.63% |
| 30 | Oregonians Credit UnionMilwaukie, OR | A | 195 | 452 | 15.9% | 5.50% |
| 31 | Rocket MortgagePlymouth, MI | C | 186 | 6,649 | 16.3% | 6.75% |
| 32 | LendageSan Mateo, CA | B | 169 | 273 | 7.3% | 10.75% |
| 33 | Consolidated Federal Credit UnionPortland, OR | B | 152 | 478 | 19.9% | 4.99% |
| 34 | FibreLongview, WA | C | 150 | 439 | 29.8% | 7.88% |
| 35 | Embold Federal Credit UnionOak Grove, OR | C | 149 | 443 | 19.2% | 7.74% |
| 36 | JPMorgan Chase BankColumbus, OH | B | 147 | 1,381 | 11.8% | 6.38% |
| 37 | The Loan StoreSan Francisco, CA | B | 141 | 1,078 | 7.6% | 6.63% |
| 38 | KeyBankCleveland, OH | C | 134 | 829 | 26.5% | 6.88% |
| 39 | Homebridge Financial ServicesIselin, NJ | B | 126 | 267 | 18.0% | 10.21% |
| 40 | Banner BankWalla Walla, WA | D | 125 | 1,438 | 28.4% | 6.88% |
| 41 | Broker SolutionsTustin, CA | D | 124 | 1,344 | 7.1% | 6.88% |
| 42 | Mutual of Omaha MortgageSan Diego, CA | C | 100 | 709 | 17.6% | 6.25% |
| 43 | Mission LoansColumbus, OH | D | 92 | 234 | 0.9% | 8.13% |
| 44 | American FinancingAurora, CO | D | 88 | 505 | 40.6% | 6.38% |
| 45 | BMO BankChicago, IL | F | 87 | 413 | 34.1% | 7.88% |
| 46 | First Interstate BankBillings, MT | D | 86 | 521 | 25.0% | 8.25% |
| 47 | PNC BankWilmington, DE | D | 84 | 276 | 29.7% | 6.13% |
| 48 | Guaranteed RateChicago, IL | B | 83 | 1,750 | 3.1% | 6.58% |
| 49 | Georgia'S OwnAtlanta, GA | F | 80 | 122 | 18.0% | 8.25% |
| 50 | Finance of America ReverseTulsa, OK | C | 80 | 223 | 9.4% | 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.
