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 | Regions BankBirmingham, AL | C | 2,808 | 11,247 | 36.5% | 4.99% |
| 2 | Coastal Community BankEverett, WA | C | 1,529 | 2,700 | 2.0% | 10.49% |
| 3 | Spring EqConshohocken, PA | D | 1,507 | 2,580 | 49.9% | 8.70% |
| 4 | U.S. BankCincinnati, OH | D | 1,197 | 3,876 | 35.0% | 7.60% |
| 5 | Truist BankCharlotte, NC | C | 1,183 | 4,114 | 37.2% | 6.63% |
| 6 | Figure LendingCharlotte, NC | C | 1,161 | 1,787 | 25.4% | 9.95% |
| 7 | FirstBankNashville, TN | C | 1,093 | 5,677 | 14.5% | 6.88% |
| 8 | Eastman Credit UnionKingsport, TN | D | 1,017 | 4,436 | 21.5% | 7.25% |
| 9 | Navy Federal Credit UnionVienna, VA | D | 963 | 4,080 | 21.4% | 7.25% |
| 10 | Bank of AmericaCharlotte, NC | F | 888 | 3,749 | 34.5% | 5.99% |
| 11 | Discover BankGreenwood, DE | F | 809 | 1,625 | 51.7% | 8.53% |
| 12 | Ascend Federal Credit UnionTullahoma, TN | C | 725 | 2,890 | 18.3% | 7.50% |
| 13 | Nationstar MortgageCoppell, TX | C | 713 | 2,124 | 13.1% | 7.38% |
| 14 | Cadence BankTupelo, MS | B | 710 | 2,573 | 16.9% | 6.75% |
| 15 | Sofi BankCottonwood Heights, UT | D | 676 | 1,216 | 8.8% | 7.29% |
| 16 | Rocket MortgagePlymouth, MI | C | 557 | 16,503 | 17.3% | 6.50% |
| 17 | First Horizon BankMemphis, TN | B | 531 | 4,168 | 29.4% | 7.25% |
| 18 | Wilson Bank and TrustLebanon, TN | C | 507 | 1,936 | 11.4% | 7.04% |
| 19 | Knoxville Tva Employees Credit UnionKnoxville, TN | A | 476 | 2,269 | 4.6% | 5.99% |
| 20 | Fifth Third BankCincinnati, OH | D | 426 | 1,984 | 31.2% | 7.63% |
| 21 | Better MortgageNew York, NY | F | 395 | 995 | 24.6% | 7.38% |
| 22 | Pinnacle BankNashville, TN | B | 381 | 4,053 | 13.6% | 6.50% |
| 23 | Crosscountry MortgageCleveland, OH | B | 378 | 3,778 | 4.8% | 6.63% |
| 24 | Broker SolutionsTustin, CA | D | 366 | 3,712 | 8.0% | 6.63% |
| 25 | Y-12 Federal Credit UnionOak Ridge, TN | C | 350 | 1,629 | 30.6% | 7.25% |
| 26 | Citizens BankProvidence, RI | C | 342 | 1,011 | 27.8% | 7.90% |
| 27 | Pennymac Loan ServicesWestlake Village, CA | C | 325 | 5,331 | 11.2% | 6.00% |
| 28 | Tennessee Valley FCUChattanooga, TN | D | 309 | 1,789 | 22.3% | 6.72% |
| 29 | Fortera Federal Credit UnionClarksville, TN | D | 302 | 1,143 | 26.4% | 7.50% |
| 30 | LendageSan Mateo, CA | B | 295 | 506 | 11.1% | 11.25% |
| 31 | F&M BankClarksville, TN | A | 268 | 656 | 15.2% | 7.15% |
| 32 | Loandepot.ComIrvine, CA | D | 254 | 3,056 | 21.4% | 5.99% |
| 33 | Homebridge Financial ServicesIselin, NJ | B | 243 | 590 | 18.6% | 10.24% |
| 34 | PNC BankWilmington, DE | D | 229 | 835 | 26.5% | 7.39% |
| 35 | Leaders Credit UnionJackson, TN | C | 226 | 2,250 | 15.2% | 6.50% |
| 36 | Rain City CapitalKirkland, WA | D | 223 | 223 | 24.7% | 10.50% |
| 37 | SmartBankPigeon Forge, TN | B | 215 | 873 | 13.1% | 7.25% |
| 38 | Citizens Bank of LafayetteLafayette, TN | A | 213 | 618 | 0.5% | 7.50% |
| 39 | Old National BankEvansville, IN | B | 206 | 1,485 | 16.9% | 6.25% |
| 40 | First South Financial Federally Insured State-Chartered Credit UnionBartlett, TN | C | 205 | 579 | 23.8% | 1.99% |
| 41 | United Community BankBlairsville, GA | B | 203 | 1,623 | 23.8% | 6.50% |
| 42 | First Citizens National BankDyersburg, TN | C | 194 | 901 | 17.0% | 6.99% |
| 43 | Mutual of Omaha MortgageSan Diego, CA | C | 191 | 1,378 | 16.2% | 6.38% |
| 44 | REDSTONE Federal Credit UnionHuntsville, AL | C | 190 | 848 | 23.8% | 8.13% |
| 45 | Renasant BankTupelo, MS | B | 166 | 1,286 | 8.8% | 6.50% |
| 46 | Third Federal Savings and Loan Association of ClevelandCleveland, OH | C | 151 | 474 | 29.3% | 6.99% |
| 47 | RCN CapitalSouth Windsor, CT | D | 148 | 297 | 47.5% | 7.54% |
| 48 | Simmons BankPine Bluff, AR | C | 141 | 1,154 | 23.2% | 5.88% |
| 49 | Lakeview Loan ServicingCoral Gables, FL | C | 141 | 1,706 | 44.8% | 6.25% |
| 50 | Republic Bank & TrustLouisville, KY | B | 129 | 427 | 8.2% | 5.99% |
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.
