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 | SiwellLubbock, TX | – | 0 | 25 | 4.0% | 8.00% |
| 2 | CMG MortgageSan Ramon, CA | A | 0 | 32 | 12.5% | 6.81% |
| 3 | Sun West Mortgage CompanyCerritos, CA | B | 0 | 69 | 5.8% | 6.88% |
| 4 | A&D MortgageFort Lauderdale, FL | C | 0 | 86 | 8.1% | 6.88% |
| 5 | Pike Creek Mortgage ServicesNewark, DE | B | 0 | 113 | 2.7% | 7.25% |
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.
