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 | PNC BankWilmington, DE | D | 4,966 | 18,031 | 20.6% | 6.88% |
| 2 | Citizens BankProvidence, RI | C | 4,329 | 18,256 | 28.1% | 7.65% |
| 3 | PENNSYLVANIA STATE EMPLOYEES Credit UnionHarrisburg, PA | C | 2,853 | 8,308 | 13.7% | 6.64% |
| 4 | Members 1stEnola, PA | B | 2,572 | 10,863 | 30.9% | 1.99% |
| 5 | Coastal Community BankEverett, WA | C | 2,498 | 4,264 | 1.4% | 10.49% |
| 6 | Citadel Federal Credit UnionPhiladelphia, PA | C | 1,889 | 4,102 | 21.6% | 3.99% |
| 7 | Spring EqConshohocken, PA | D | 1,726 | 3,059 | 51.6% | 9.40% |
| 8 | Figure LendingCharlotte, NC | C | 1,515 | 2,328 | 26.3% | 9.60% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 1,484 | 7,900 | 12.6% | 6.50% |
| 10 | Discover BankGreenwood, DE | F | 1,307 | 2,831 | 52.8% | 8.61% |
| 11 | Trumark Financial Credit UnionFort Washington, PA | C | 1,277 | 3,864 | 26.4% | 6.74% |
| 12 | First National Bank of PennsylvaniaHermitage, PA | B | 1,272 | 9,542 | 27.8% | 6.49% |
| 13 | Truist BankCharlotte, NC | C | 1,213 | 4,195 | 35.5% | 6.49% |
| 14 | First Commonwealth BankIndiana, PA | C | 1,196 | 5,398 | 25.9% | 5.99% |
| 15 | Sofi BankCottonwood Heights, UT | D | 1,175 | 2,144 | 8.4% | 7.50% |
| 16 | Loandepot.ComIrvine, CA | D | 1,152 | 4,111 | 26.0% | 6.75% |
| 17 | Navy Federal Credit UnionVienna, VA | D | 1,035 | 4,660 | 21.4% | 7.38% |
| 18 | Nationstar MortgageCoppell, TX | C | 1,020 | 2,666 | 13.8% | 7.63% |
| 19 | American Heritage FCUPhiladelphia, PA | D | 928 | 3,380 | 34.3% | 6.74% |
| 20 | Bank of AmericaCharlotte, NC | F | 870 | 4,468 | 32.5% | 5.99% |
| 21 | Clearview Federal Credit UnionMoon Township, PA | B | 837 | 2,085 | 22.0% | 6.75% |
| 22 | Northwest BankWarren, PA | B | 811 | 3,412 | 17.7% | 6.25% |
| 23 | Dollar Bank, Federal Savings BankPittsburgh, PA | C | 801 | 4,438 | 19.6% | 6.74% |
| 24 | Manufacturers and Traders TrustBuffalo, NY | C | 763 | 4,830 | 27.3% | 5.99% |
| 25 | Rocket MortgagePlymouth, MI | C | 725 | 22,411 | 18.6% | 6.75% |
| 26 | Broker SolutionsTustin, CA | D | 701 | 5,201 | 9.4% | 6.75% |
| 27 | Crosscountry MortgageCleveland, OH | B | 682 | 11,615 | 3.3% | 6.63% |
| 28 | S&T BankIndiana, PA | B | 650 | 3,797 | 29.6% | 6.24% |
| 29 | Fulton BankLancaster, PA | C | 628 | 4,686 | 18.9% | 6.49% |
| 30 | TD BankWilmington, DE | D | 597 | 3,422 | 25.3% | 7.44% |
| 31 | The Huntington National BankColumbus, OH | D | 564 | 3,365 | 28.1% | 7.59% |
| 32 | Better MortgageNew York, NY | F | 534 | 1,441 | 25.9% | 6.88% |
| 33 | LendageSan Mateo, CA | B | 533 | 876 | 12.2% | 11.38% |
| 34 | Philadelphia Federal Credit UnionPhiladelphia, PA | D | 528 | 2,157 | 38.3% | 7.00% |
| 35 | Service 1stDanville, PA | A | 507 | 826 | 6.8% | 7.50% |
| 36 | Lakeview Loan ServicingCoral Gables, FL | C | 500 | 1,964 | 51.8% | 6.63% |
| 37 | RCN CapitalSouth Windsor, CT | D | 451 | 967 | 40.2% | 7.98% |
| 38 | First Commonwealth Federal Credit UnionAllentown, PA | D | 428 | 1,413 | 20.1% | 7.24% |
| 39 | Belco Community Credit UnionHarrisburg, PA | D | 418 | 1,215 | 31.2% | 7.50% |
| 40 | U.S. BankCincinnati, OH | D | 356 | 1,250 | 39.6% | 6.99% |
| 41 | Franklin MintChadds Ford Township, PA | B | 322 | 1,602 | 23.9% | 4.99% |
| 42 | Armco Credit UnionButler, PA | A | 310 | 784 | 9.6% | 7.50% |
| 43 | Diamond Credit UnionPottstown, PA | B | 309 | 1,286 | 27.8% | 6.01% |
| 44 | Penn Community BankPhiladelphia, PA | C | 273 | 966 | 12.8% | 6.88% |
| 45 | Wilmington Savings Fund SocietyWilmington, DE | B | 265 | 2,420 | 14.4% | 6.63% |
| 46 | People First Federal Credit UnionAllentown, PA | F | 258 | 927 | 28.8% | — |
| 47 | CNB BankClearfield, PA | A | 246 | 1,466 | 7.4% | 6.50% |
| 48 | WesBanco BankWheeling, | B | 236 | 930 | 15.6% | 3.99% |
| 49 | Third Federal Savings and Loan Association of ClevelandCleveland, OH | C | 231 | 747 | 30.8% | 6.99% |
| 50 | Embassy Bank For The Lehigh ValleyBethlehem, PA | B | 230 | 1,068 | 15.4% | 6.25% |
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.
