Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 752 | 1,051 | 17.8% | 6.75% |
| 2 | NewrezWilmington, DE | D | 371 | 1,344 | 4.3% | 6.38% |
| 3 | AmeriSave MortgageSandy Springs, GA | D | 343 | 353 | 63.2% | 8.38% |
| 4 | Global Federal Credit UnionAnchorage, AK | C | 335 | 2,601 | 16.0% | 6.63% |
| 5 | Mortgage Research CenterColumbia, MO | C | 308 | 844 | 14.5% | 6.25% |
| 6 | Freedom MortgageBoca Raton, FL | B | 301 | 355 | 8.7% | 5.88% |
| 7 | Residential MortgageAnchorage, AK | B | 265 | 1,907 | 4.4% | 6.25% |
| 8 | United Shore Financial ServicesPlymouth, MI | B | 212 | 551 | 12.2% | 6.12% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 176 | 310 | 13.6% | 6.12% |
| 10 | CREDIT UNION 1 Credit UnionAnchorage, AK | D | 143 | 462 | 11.7% | 7.75% |
| 11 | Loandepot.ComIrvine, CA | D | 141 | 331 | 23.6% | 6.75% |
| 12 | Lakeview Loan ServicingCoral Gables, FL | C | 131 | 186 | 31.2% | 5.99% |
| 13 | Broker SolutionsTustin, CA | D | 124 | 207 | 7.3% | 6.75% |
| 14 | New Day FinancialWest Palm Beach, FL | F | 117 | 118 | 14.4% | 6.99% |
| 15 | The Federal Savings BankChicago, IL | C | 111 | 119 | 10.9% | 6.25% |
| 16 | Matanuska Valley Federal Credit UnionPalmer, AK | C | 109 | 179 | 10.6% | 6.63% |
| 17 | First National Bank AlaskaAnchorage, AK | C | 106 | 402 | 9.0% | 6.63% |
| 18 | Village Capital & InvestmentHenderson, NV | C | 94 | 97 | 15.5% | 5.75% |
| 19 | Mutual of Omaha MortgageSan Diego, CA | C | 86 | 121 | 20.7% | 6.13% |
| 20 | Wells Fargo BankCharlotte, NC | B | 84 | 248 | 20.2% | 6.50% |
| 21 | True North Federal Credit UnionJuneau, AK | D | 83 | 145 | 31.7% | 7.38% |
| 22 | Spirit of AlaskaFairbanks, AK | – | 70 | 98 | 26.5% | — |
| 23 | NuVision Federal Credit UnionHuntington Beach, CA | C | 69 | 501 | 32.9% | 4.99% |
| 24 | Movement MortgageLancaster, SC | A | 62 | 317 | 3.8% | 6.38% |
| 25 | Carrington Mortgage ServicesOrange, CA | D | 61 | 67 | 44.8% | 6.63% |
| 26 | American FinancingAurora, CO | D | 59 | 67 | 46.3% | 5.99% |
| 27 | Guild MortgageSan Diego, CA | A | 53 | 281 | 4.6% | 6.19% |
| 28 | Navy Federal Credit UnionVienna, VA | D | 50 | 370 | 19.2% | 6.25% |
| 29 | Prosperity Home MortgageFairfax, VA | A | 49 | 49 | 12.2% | 5.99% |
| 30 | Nationstar MortgageCoppell, TX | C | 45 | 129 | 10.9% | 8.38% |
| 31 | Sofi BankCottonwood Heights, UT | D | 39 | 145 | 17.2% | 7.40% |
| 32 | Denali State BankFairbanks, AK | A | 38 | 165 | 1.8% | — |
| 33 | Guaranteed RateChicago, IL | B | 36 | 221 | 9.1% | 6.53% |
| 34 | Primelending, a PlainscapitalDallas, TX | A | 34 | 322 | 4.4% | 6.49% |
| 35 | Mission LoansColumbus, OH | D | 32 | 83 | 3.6% | 6.63% |
| 36 | CMG MortgageSan Ramon, CA | A | 29 | 107 | 3.7% | 6.50% |
| 37 | KeyBankCleveland, OH | C | 26 | 112 | 32.1% | 6.81% |
| 38 | USAA Federal Savings BankPhoenix, AZ | C | 26 | 188 | 28.7% | 6.13% |
| 39 | The Loan StoreSan Francisco, CA | B | 26 | 519 | 8.5% | 6.50% |
| 40 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 24 | 26 | 7.7% | 6.06% |
| 41 | Discover BankGreenwood, DE | F | 24 | 107 | 57.0% | 9.00% |
| 42 | Kind LendingIrvine, CA | C | 24 | 124 | 18.6% | 6.25% |
| 43 | Bank of AmericaCharlotte, NC | F | 24 | 196 | 40.3% | 6.31% |
| 44 | NBKC BankKansas, MO | B | 23 | 104 | 8.7% | 5.99% |
| 45 | Allied First Bank,sbOswego, IL | F | 22 | 22 | 27.3% | 3.88% |
| 46 | Mt. McKinley BankFairbanks, AK | B | 22 | 184 | 5.4% | — |
| 47 | Planet Home LendingMeriden, CT | B | 21 | 29 | 37.9% | 5.50% |
| 48 | Canopy MortgageLindon, UT | B | 21 | 126 | 0.8% | 6.25% |
| 49 | Quorum Federal Credit UnionPurchase, NY | D | 19 | 20 | 50.0% | 9.63% |
| 50 | LoanUnited.comDuluth, GA | C | 19 | 53 | 5.7% | 6.13% |
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.
