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 | Bank of AmericaCharlotte, NC | F | 4,702 | 18,008 | 43.0% | 6.24% |
| 2 | Spring EqConshohocken, PA | D | 4,335 | 6,585 | 58.0% | 9.63% |
| 3 | Frost BankSan Antonio, TX | C | 3,884 | 11,929 | 41.8% | 7.57% |
| 4 | Discover BankGreenwood, DE | F | 3,335 | 6,124 | 63.3% | 8.44% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 3,051 | 14,770 | 13.1% | 6.38% |
| 6 | PNC BankWilmington, DE | D | 2,913 | 8,211 | 41.1% | 7.74% |
| 7 | Loandepot.ComIrvine, CA | D | 2,722 | 14,655 | 23.5% | 5.99% |
| 8 | Security Service Federal Credit UnionSan Antonio, TX | C | 2,478 | 5,134 | 23.8% | 6.99% |
| 9 | Sofi BankCottonwood Heights, UT | D | 2,365 | 4,246 | 10.1% | 6.99% |
| 10 | Rocket MortgagePlymouth, MI | C | 2,037 | 45,658 | 22.4% | 6.63% |
| 11 | Figure LendingCharlotte, NC | C | 1,595 | 2,473 | 42.9% | 10.50% |
| 12 | Nationstar MortgageCoppell, TX | C | 1,460 | 5,943 | 18.6% | 6.99% |
| 13 | Navy Federal Credit UnionVienna, VA | D | 1,258 | 11,693 | 25.6% | 6.38% |
| 14 | Lakeview Loan ServicingCoral Gables, FL | C | 1,228 | 8,308 | 57.4% | 6.25% |
| 15 | A+ Federal Credit UnionAustin, TX | D | 1,221 | 1,740 | 38.5% | 6.88% |
| 16 | JPMorgan Chase BankColumbus, OH | B | 1,211 | 16,260 | 9.8% | 6.45% |
| 17 | Truist BankCharlotte, NC | C | 1,202 | 3,359 | 46.7% | 6.37% |
| 18 | Amarillo National BankAmarillo, TX | C | 1,199 | 2,760 | 14.0% | 7.00% |
| 19 | Zions BancorporationSalt Lake City, UT | B | 1,123 | 3,300 | 37.3% | 6.89% |
| 20 | Regions BankBirmingham, AL | C | 1,042 | 3,604 | 46.6% | 6.13% |
| 21 | Cadence BankTupelo, MS | B | 1,017 | 5,471 | 15.0% | 6.50% |
| 22 | Broker SolutionsTustin, CA | D | 944 | 11,832 | 9.0% | 6.75% |
| 23 | LendageSan Mateo, CA | B | 914 | 1,433 | 19.5% | 11.38% |
| 24 | Crosscountry MortgageCleveland, OH | B | 742 | 11,858 | 3.3% | 6.63% |
| 25 | Homebridge Financial ServicesIselin, NJ | B | 723 | 1,769 | 18.7% | 9.91% |
| 26 | BOKFTulsa, OK | D | 699 | 2,513 | 29.2% | 6.63% |
| 27 | Comerica BankDallas, TX | C | 694 | 2,139 | 47.6% | 6.23% |
| 28 | Rain City CapitalKirkland, WA | D | 665 | 665 | 47.7% | 10.50% |
| 29 | Shell Federal Credit UnionDeer Park, TX | D | 597 | 1,702 | 40.4% | 6.75% |
| 30 | Pentagon Federal Credit UnionMclean, VA | F | 543 | 2,706 | 40.9% | 7.38% |
| 31 | Rally Credit UnionCorpus Christi, TX | D | 521 | 3,679 | 35.7% | 6.63% |
| 32 | JSC Federal Credit UnionHouston, TX | C | 517 | 1,830 | 24.6% | 6.25% |
| 33 | First United Bank and TrustDurant, OK | C | 511 | 4,053 | 6.5% | 6.75% |
| 34 | The Loan StoreSan Francisco, CA | B | 511 | 5,162 | 11.9% | 6.75% |
| 35 | Better MortgageNew York, NY | F | 509 | 3,349 | 21.7% | 6.63% |
| 36 | EecuFort Worth, TX | C | 464 | 1,969 | 38.1% | 7.25% |
| 37 | TexansRichardson, TX | D | 459 | 1,436 | 47.0% | 6.67% |
| 38 | Prosperity BankEl Campo, TX | D | 450 | 4,589 | 24.8% | 6.99% |
| 39 | Wells Fargo BankCharlotte, NC | B | 443 | 5,902 | 21.6% | 6.38% |
| 40 | U.S. BankCincinnati, OH | D | 429 | 3,301 | 28.5% | 6.38% |
| 41 | Finance of America ReverseTulsa, OK | C | 398 | 852 | 15.4% | 6.38% |
| 42 | Fort Worth Community Credit UnionBedford, TX | B | 392 | 600 | 9.2% | 7.50% |
| 43 | Texas BayHouston, TX | D | 386 | 748 | 54.0% | 6.63% |
| 44 | Easy Street CapitalAustin, TX | A | 382 | 382 | 0.0% | 9.90% |
| 45 | Texas Dow Employees Credit UnionHouston, TX | D | 381 | 1,617 | 12.4% | 7.00% |
| 46 | First Financial BankAbilene, TX | C | 379 | 5,147 | 10.7% | 6.88% |
| 47 | Mutual of Omaha MortgageSan Diego, CA | C | 374 | 1,987 | 16.9% | 6.38% |
| 48 | RCN CapitalSouth Windsor, CT | D | 341 | 704 | 63.4% | 7.57% |
| 49 | Greater Texas Federal Credit UnionAustin, TX | D | 322 | 815 | 51.8% | 6.67% |
| 50 | NeighborhoodDallas, TX | D | 284 | 456 | 62.7% | 6.49% |
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.
