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 | Truist BankCharlotte, NC | C | 470 | 1,776 | 31.1% | 6.63% |
| 2 | City National Bank of West VirginiaCharleston, WV | C | 438 | 2,870 | 25.0% | 6.29% |
| 3 | The Huntington National BankColumbus, OH | D | 349 | 2,194 | 28.1% | 7.00% |
| 4 | Loandepot.ComIrvine, CA | D | 314 | 1,624 | 18.7% | 6.58% |
| 5 | WesBanco BankWheeling, | B | 305 | 1,475 | 16.7% | 6.01% |
| 6 | Navy Federal Credit UnionVienna, VA | D | 241 | 1,048 | 19.2% | 7.00% |
| 7 | Broker SolutionsTustin, CA | D | 205 | 953 | 10.0% | 6.99% |
| 8 | Pennymac Loan ServicesWestlake Village, CA | C | 176 | 762 | 16.5% | 6.12% |
| 9 | Rocket MortgagePlymouth, MI | C | 173 | 3,615 | 23.0% | 6.88% |
| 10 | Discover BankGreenwood, DE | F | 160 | 340 | 54.7% | 8.93% |
| 11 | Bayer Heritage Credit UnionNew Martinsville, WV | B | 154 | 311 | 15.1% | 6.00% |
| 12 | Figure LendingCharlotte, NC | C | 147 | 218 | 22.9% | 8.48% |
| 13 | Sofi BankCottonwood Heights, UT | D | 138 | 237 | 10.6% | 7.99% |
| 14 | Nationstar MortgageCoppell, TX | C | 129 | 330 | 13.9% | 7.00% |
| 15 | Coastal Community BankEverett, WA | C | 94 | 152 | 2.6% | 10.49% |
| 16 | Better MortgageNew York, NY | F | 83 | 189 | 31.2% | 8.13% |
| 17 | PNC BankWilmington, DE | D | 80 | 398 | 21.6% | 6.88% |
| 18 | Lakeview Loan ServicingCoral Gables, FL | C | 76 | 238 | 33.2% | 6.63% |
| 19 | Peoples BankMarietta, OH | C | 76 | 707 | 22.4% | 7.24% |
| 20 | Crosscountry MortgageCleveland, OH | B | 76 | 1,140 | 4.0% | 6.58% |
| 21 | Fifth Third BankCincinnati, OH | D | 72 | 340 | 31.2% | 7.88% |
| 22 | Bank of AmericaCharlotte, NC | F | 58 | 248 | 44.0% | 6.49% |
| 23 | U.S. BankCincinnati, OH | D | 58 | 344 | 31.1% | 6.63% |
| 24 | First Community BankBluefield, VA | F | 55 | 482 | 25.7% | 7.25% |
| 25 | Hancock County Savings Bank, FSBChester, WV | C | 53 | 341 | 11.7% | 6.38% |
| 26 | JPMorgan Chase BankColumbus, OH | B | 53 | 502 | 13.8% | 6.75% |
| 27 | United BankVienna, VA | C | 48 | 540 | 22.8% | 6.90% |
| 28 | Burke & Herbert Bank & TrustAlexandria, VA | C | 46 | 278 | 11.2% | 7.50% |
| 29 | FairmontFairmont, WV | C | 41 | 370 | 28.1% | 5.38% |
| 30 | Main Street BankWooster, OH | C | 35 | 123 | 14.6% | — |
| 31 | Manufacturers and Traders TrustBuffalo, NY | C | 30 | 171 | 39.2% | 5.99% |
| 32 | Clear Mountain BankBruceton Mills, WV | B | 28 | 464 | 5.8% | 6.38% |
| 33 | Pentagon Federal Credit UnionMclean, VA | F | 24 | 116 | 33.6% | 6.88% |
| 34 | State Employees Credit Union of MarylandLinthicum, MD | D | 23 | 54 | 24.1% | 6.00% |
| 35 | PatriotFranklin, PA | A | 22 | 80 | 30.0% | 4.99% |
| 36 | Apple Federal Credit UnionFairfax, VA | D | 18 | 60 | 16.7% | 6.99% |
| 37 | Consumer Real Estate FinanceFort Lauderdale, FL | F | 17 | 60 | 33.3% | 6.99% |
| 38 | Pendleton Community BankFranklin, WV | B | 17 | 148 | 15.5% | — |
| 39 | Putnam County BankHurricane, WV | C | 17 | 196 | 11.2% | — |
| 40 | First Federal Savings and Loan Association of GreeneWaynesburg, PA | B | 17 | 210 | 3.8% | 6.00% |
| 41 | Bank of RomneyRomney, WV | A | 16 | 128 | 3.1% | — |
| 42 | Logan Bank & TrustLogan, WV | C | 16 | 208 | 13.5% | — |
| 43 | Finance of America ReverseTulsa, OK | C | 15 | 28 | 21.4% | 6.38% |
| 44 | Williamstown BankWilliamstown, WV | – | 15 | 75 | 13.3% | — |
| 45 | First National Bank of PennsylvaniaHermitage, PA | B | 15 | 130 | 25.4% | 6.49% |
| 46 | The Poca Valley BankWalton, WV | C | 15 | 379 | 10.6% | — |
| 47 | Pioneer Community BankIaeger, WV | C | 14 | 131 | 11.5% | — |
| 48 | Mutual of Omaha MortgageSan Diego, CA | C | 13 | 49 | 6.1% | 6.43% |
| 49 | CAMC Federal Credit UnionCharleston, WV | – | 13 | 65 | 26.2% | — |
| 50 | Bank of Charles TownCharles Town, WV | B | 13 | 128 | 7.8% | — |
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.
