Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 4,005 | 5,854 | 20.1% | 6.63% |
| 2 | Arvest BankFayetteville, AR | C | 2,283 | 9,748 | 14.4% | 7.00% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 1,639 | 2,456 | 13.3% | 6.12% |
| 4 | Freedom MortgageBoca Raton, FL | B | 1,600 | 1,672 | 8.4% | 6.25% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 1,324 | 2,076 | 12.4% | 6.38% |
| 6 | AmeriSave MortgageSandy Springs, GA | D | 1,313 | 1,359 | 63.4% | 7.38% |
| 7 | NewrezWilmington, DE | D | 1,108 | 1,306 | 19.1% | 6.31% |
| 8 | Mortgage Research CenterColumbia, MO | C | 1,081 | 2,767 | 18.3% | 6.25% |
| 9 | New Day FinancialWest Palm Beach, FL | F | 879 | 943 | 21.7% | 6.99% |
| 10 | ARKANSAS Federal Credit UnionLittle Rock, AR | F | 690 | 4,439 | 23.6% | 7.50% |
| 11 | Broker SolutionsTustin, CA | D | 653 | 1,268 | 10.8% | 6.88% |
| 12 | Regions BankBirmingham, AL | C | 576 | 2,646 | 40.0% | 6.13% |
| 13 | Loandepot.ComIrvine, CA | D | 535 | 1,036 | 34.9% | 6.75% |
| 14 | Carrington Mortgage ServicesOrange, CA | D | 468 | 493 | 45.6% | 6.50% |
| 15 | Bank OZKLittle Rock, AR | C | 425 | 1,907 | 31.0% | 6.50% |
| 16 | First Community BankBatesville, AR | C | 410 | 1,844 | 4.8% | 6.99% |
| 17 | Cadence BankTupelo, MS | B | 386 | 1,406 | 17.7% | 7.13% |
| 18 | Village Capital & InvestmentHenderson, NV | C | 372 | 394 | 17.0% | 5.75% |
| 19 | First Security BankSearcy, AR | C | 372 | 1,843 | 5.9% | 7.50% |
| 20 | Nationstar MortgageCoppell, TX | C | 321 | 744 | 13.8% | 7.69% |
| 21 | Simmons BankPine Bluff, AR | C | 284 | 1,568 | 22.3% | 6.44% |
| 22 | GoodLeapRoseville, CA | C | 281 | 281 | 24.9% | 6.50% |
| 23 | Lakeview Loan ServicingCoral Gables, FL | C | 281 | 388 | 45.4% | 6.63% |
| 24 | Kiavi FundingWilmington, DE | D | 261 | 347 | 3.8% | 10.99% |
| 25 | Mutual of Omaha MortgageSan Diego, CA | C | 257 | 492 | 18.5% | 6.38% |
| 26 | Centennial BankConway, AR | D | 226 | 2,104 | 16.1% | 6.63% |
| 27 | The Federal Savings BankChicago, IL | C | 208 | 230 | 10.0% | 6.25% |
| 28 | Southern Bancorp BankArkadelphia, AR | C | 205 | 745 | 8.3% | 7.50% |
| 29 | American FinancingAurora, CO | D | 202 | 214 | 50.9% | 6.13% |
| 30 | Navy Federal Credit UnionVienna, VA | D | 189 | 1,057 | 17.3% | 6.50% |
| 31 | Firsttrust Home LoansSheridan, AR | B | 184 | 2,590 | 0.5% | 6.49% |
| 32 | PHH MortgageMount Laurel, NJ | C | 180 | 213 | 5.6% | 6.38% |
| 33 | U.S. BankCincinnati, OH | D | 179 | 1,348 | 39.5% | 7.13% |
| 34 | First Horizon BankMemphis, TN | B | 175 | 972 | 17.6% | 6.50% |
| 35 | Crosscountry MortgageCleveland, OH | B | 173 | 734 | 4.6% | 6.63% |
| 36 | The Farmers & Merchants BankStuttgart, AR | D | 167 | 461 | 13.2% | 7.79% |
| 37 | Equity Prime MortgageAtlanta, GA | D | 161 | 292 | 8.6% | 6.50% |
| 38 | United Federal Credit UnionSaint Joseph, MI | D | 158 | 815 | 25.3% | 6.81% |
| 39 | Guaranteed RateChicago, IL | B | 151 | 514 | 6.8% | 6.50% |
| 40 | Fairway Independent MortgageMadison, WI | B | 149 | 1,864 | 6.0% | 6.49% |
| 41 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 146 | 155 | 7.7% | 6.50% |
| 42 | Union BankMena, AR | A | 146 | 446 | 1.4% | — |
| 43 | Signature Bank of ArkansasFayetteville, AR | A | 139 | 485 | 3.3% | — |
| 44 | Flat Branch MortgageColumbia, MO | A | 138 | 1,840 | 0.4% | 6.49% |
| 45 | Eagle Bank and TrustLittle Rock, AR | A | 137 | 1,305 | 5.5% | 6.50% |
| 46 | Royal United MortgageIndianapolis, IN | F | 133 | 134 | 21.6% | 6.88% |
| 47 | Planet Home LendingMeriden, CT | B | 129 | 191 | 20.9% | 5.99% |
| 48 | Gateway First BankJenks, OK | B | 127 | 437 | 4.4% | 6.38% |
| 49 | Wells Fargo BankCharlotte, NC | B | 126 | 283 | 17.3% | 6.38% |
| 50 | JPMorgan Chase BankColumbus, OH | B | 126 | 547 | 11.7% | 6.38% |
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.
