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 | Eastrise Federal Credit UnionWilliston, VT | A | 393 | 3,529 | 5.1% | 6.50% |
| 2 | Citizens BankProvidence, RI | C | 244 | 826 | 38.9% | 7.65% |
| 3 | Community BankCanton, NY | D | 205 | 607 | 13.3% | 7.00% |
| 4 | North CountrySouth Burlington, VT | C | 157 | 1,135 | 9.5% | 7.25% |
| 5 | Vermont Federal Credit UnionSouth Burlington, VT | A | 146 | 1,003 | 12.0% | 6.75% |
| 6 | 802 Credit UnionBarre, VT | B | 139 | 328 | 3.7% | 6.88% |
| 7 | Mascoma BankLebanon, NH | B | 131 | 717 | 16.5% | 6.75% |
| 8 | Figure LendingCharlotte, NC | C | 104 | 166 | 42.2% | 9.94% |
| 9 | Manufacturers and Traders TrustBuffalo, NY | C | 88 | 617 | 30.8% | 5.99% |
| 10 | Better MortgageNew York, NY | F | 61 | 219 | 25.6% | 6.63% |
| 11 | TD BankWilmington, DE | D | 56 | 390 | 24.4% | 7.49% |
| 12 | Sofi BankCottonwood Heights, UT | D | 52 | 94 | 7.5% | 7.33% |
| 13 | Spring EqConshohocken, PA | D | 51 | 118 | 59.3% | 8.83% |
| 14 | U.S. BankCincinnati, OH | D | 51 | 145 | 50.3% | 6.99% |
| 15 | ONE Credit UnionSpringfield, VT | C | 46 | 107 | 13.1% | 7.13% |
| 16 | Discover BankGreenwood, DE | F | 42 | 91 | 56.0% | 8.47% |
| 17 | Bank of AmericaCharlotte, NC | F | 42 | 191 | 27.2% | 6.00% |
| 18 | Navy Federal Credit UnionVienna, VA | D | 33 | 184 | 19.6% | 6.75% |
| 19 | Rocket MortgagePlymouth, MI | C | 33 | 1,165 | 22.0% | 6.75% |
| 20 | Broker SolutionsTustin, CA | D | 32 | 228 | 11.0% | 6.75% |
| 21 | Union BankMorristown, VT | B | 27 | 641 | 4.5% | 6.63% |
| 22 | Northfield Savings BankNorthfield, VT | B | 24 | 319 | 9.7% | 6.50% |
| 23 | Peoples Trust Company of St. AlbansSt. Albans, VT | B | 22 | 208 | 8.7% | — |
| 24 | Mutual of Omaha MortgageSan Diego, CA | C | 18 | 111 | 16.2% | 6.25% |
| 25 | NBT BankNorwich, NY | B | 17 | 92 | 18.5% | 5.25% |
| 26 | JPMorgan Chase BankColumbus, OH | B | 17 | 125 | 8.8% | 6.38% |
| 27 | KeyBankCleveland, OH | C | 16 | 94 | 31.9% | 7.70% |
| 28 | Service Federal Credit UnionPortsmouth, NH | C | 15 | 70 | 30.0% | 6.49% |
| 29 | Bar Harbor Bank & TrustBar Harbor, ME | D | 15 | 119 | 25.2% | 7.20% |
| 30 | Community National BankDerby, VT | A | 14 | 306 | 4.9% | 6.91% |
| 31 | Lakeview Loan ServicingCoral Gables, FL | C | 13 | 75 | 44.0% | 6.19% |
| 32 | Crosscountry MortgageCleveland, OH | B | 13 | 102 | 8.8% | 7.13% |
| 33 | PNC BankWilmington, DE | D | 12 | 44 | 18.2% | 6.75% |
| 34 | Finance of America ReverseTulsa, OK | C | 10 | 19 | 5.3% | 6.13% |
| 35 | Greylock Federal Credit UnionPittsfield, MA | C | 10 | 38 | 13.2% | 6.63% |
| 36 | Berkshire BankPittsfield, MA | B | 9 | 40 | 32.5% | 5.00% |
| 37 | Morgan Stanley Private BankNew York, NY | A | 9 | 57 | 1.8% | 5.83% |
| 38 | Guaranteed RateChicago, IL | B | 8 | 97 | 9.3% | 6.93% |
| 39 | Lighthouse Federal Credit UnionPortsmouth, NH | D | 7 | 26 | 34.6% | 7.25% |
| 40 | Opportunities Credit UnionWinooski, VT | – | 7 | 58 | 0.0% | 6.50% |
| 41 | Loandepot.ComIrvine, CA | D | 7 | 116 | 28.5% | 6.19% |
| 42 | The National Bank of MiddleburyMiddlebury, VT | B | 7 | 156 | 5.1% | — |
| 43 | Mission LoansColumbus, OH | D | 6 | 20 | 5.0% | 9.38% |
| 44 | CitibankSioux Falls, SD | B | 6 | 44 | 15.9% | 5.81% |
| 45 | Movement MortgageLancaster, SC | A | 6 | 97 | 13.4% | 6.53% |
| 46 | Pentagon Federal Credit UnionMclean, VA | F | 5 | 21 | 57.1% | 6.19% |
| 47 | Brookline BankBoston, MA | B | 5 | 24 | 29.2% | 4.50% |
| 48 | Fairway Independent MortgageMadison, WI | B | 5 | 167 | 10.2% | 6.75% |
| 49 | CMG MortgageSan Ramon, CA | A | 5 | 459 | 5.7% | 6.63% |
| 50 | Roundpoint Mortgage ServicingFort Mill, SC | B | 4 | 5 | 0.0% | 3.49% |
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.
