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 | Uniwyo Federal Credit UnionLaramie, WY | C | 166 | 541 | 15.2% | 7.50% |
| 2 | U.S. BankCincinnati, OH | D | 119 | 373 | 34.1% | 7.06% |
| 3 | WyhyCheyenne, WY | B | 117 | 383 | 10.2% | 8.00% |
| 4 | Coastal Community BankEverett, WA | C | 112 | 173 | 2.3% | 10.49% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 108 | 354 | 12.7% | 6.63% |
| 6 | Meridian Trust Federal Credit UnionCheyenne, WY | B | 107 | 525 | 18.3% | 6.50% |
| 7 | Blue Federal Credit UnionCheyenne, WY | C | 106 | 318 | 13.2% | 6.99% |
| 8 | Spring EqConshohocken, PA | D | 104 | 165 | 50.9% | 9.70% |
| 9 | Figure LendingCharlotte, NC | C | 98 | 138 | 33.3% | 8.80% |
| 10 | Loandepot.ComIrvine, CA | D | 91 | 221 | 22.2% | 6.99% |
| 11 | Discover BankGreenwood, DE | F | 86 | 162 | 57.4% | 9.16% |
| 12 | BMO BankChicago, IL | F | 83 | 218 | 31.7% | 8.67% |
| 13 | First Interstate BankBillings, MT | D | 71 | 510 | 23.5% | 8.13% |
| 14 | Nationstar MortgageCoppell, TX | C | 67 | 177 | 14.7% | 8.25% |
| 15 | Western VistaCheyenne, WY | C | 62 | 322 | 7.1% | 6.25% |
| 16 | Sofi BankCottonwood Heights, UT | D | 60 | 94 | 6.4% | 7.99% |
| 17 | Glacier BankKalispell, MT | D | 57 | 856 | 15.9% | 6.95% |
| 18 | Navy Federal Credit UnionVienna, VA | D | 56 | 220 | 20.0% | 6.25% |
| 19 | Rocket MortgagePlymouth, MI | C | 36 | 1,567 | 17.1% | 6.50% |
| 20 | Broker SolutionsTustin, CA | D | 27 | 226 | 8.9% | 6.88% |
| 21 | NuVision Federal Credit UnionHuntington Beach, CA | C | 24 | 58 | 32.8% | 4.99% |
| 22 | Better MortgageNew York, NY | F | 22 | 59 | 27.1% | 6.63% |
| 23 | Mountain America Federal Credit UnionSandy, UT | D | 22 | 85 | 38.8% | 7.24% |
| 24 | Bank of AmericaCharlotte, NC | F | 20 | 80 | 35.0% | 6.37% |
| 25 | JPMorgan Chase BankColumbus, OH | B | 19 | 112 | 14.3% | 6.38% |
| 26 | ANB BankDenver, CO | C | 19 | 177 | 8.5% | 6.13% |
| 27 | Lakeview Loan ServicingCoral Gables, FL | C | 18 | 140 | 26.4% | 6.13% |
| 28 | Crosscountry MortgageCleveland, OH | B | 18 | 305 | 3.6% | 6.24% |
| 29 | Hilltop National BankCasper, WY | B | 15 | 263 | 3.4% | — |
| 30 | Pinnacle Bank - WyomingCody, WY | C | 15 | 318 | 6.3% | — |
| 31 | Mutual of Omaha MortgageSan Diego, CA | C | 14 | 170 | 25.9% | 6.38% |
| 32 | Utah Power Federally Insured State-Chartered Credit UnionSalt Lake City, UT | B | 13 | 35 | 0.0% | 6.38% |
| 33 | Mission LoansColumbus, OH | D | 12 | 21 | 9.5% | 7.94% |
| 34 | Finance of America ReverseTulsa, OK | C | 12 | 25 | 16.0% | 6.25% |
| 35 | PNC BankWilmington, DE | D | 12 | 33 | 21.2% | 6.56% |
| 36 | Homebridge Financial ServicesIselin, NJ | B | 11 | 21 | 33.3% | 11.17% |
| 37 | Wells Fargo BankCharlotte, NC | B | 11 | 114 | 18.4% | 6.25% |
| 38 | NBH BankGreenwood Village, CO | C | 11 | 123 | 16.3% | 7.25% |
| 39 | First Federal Bank & TrustSheridan, WY | B | 11 | 135 | 4.4% | 7.00% |
| 40 | Member First MortgageGrand Rapids, MI | D | 9 | 27 | 29.6% | 7.38% |
| 41 | The Loan StoreSan Francisco, CA | B | 8 | 74 | 13.5% | 6.63% |
| 42 | Fairway Independent MortgageMadison, WI | B | 8 | 1,106 | 4.2% | 6.49% |
| 43 | Valon MortgagePhoenix, AZ | C | 7 | 13 | 23.1% | 7.85% |
| 44 | Morgan Stanley Private BankNew York, NY | A | 7 | 28 | 10.7% | 5.65% |
| 45 | Zions BancorporationSalt Lake City, UT | B | 7 | 80 | 20.0% | 6.19% |
| 46 | Platte Valley BankTorrington, WY | B | 7 | 207 | 4.8% | — |
| 47 | AMERICA FIRST Federal Credit UnionRiverdale, UT | C | 6 | 11 | 100.0% | — |
| 48 | First National Bank of OmahaOmaha, NE | C | 6 | 63 | 15.9% | 7.14% |
| 49 | Jonah Bank of WyomingCasper, WY | A | 6 | 496 | 2.6% | 6.25% |
| 50 | GTE Federal Credit UnionTampa, FL | D | 5 | 8 | 12.5% | 9.00% |
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.
