Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial ServicesPlymouth, MI | B | 10,213 | 23,111 | 8.8% | 6.13% |
| 2 | Rocket MortgagePlymouth, MI | C | 7,457 | 11,486 | 15.7% | 6.61% |
| 3 | ENT Credit UnionColorado Springs, CO | B | 3,948 | 13,238 | 20.9% | 7.50% |
| 4 | American FinancingAurora, CO | D | 3,736 | 4,937 | 41.3% | 6.38% |
| 5 | Freedom MortgageBoca Raton, FL | B | 3,036 | 3,542 | 6.2% | 5.88% |
| 6 | NewrezWilmington, DE | D | 3,033 | 3,831 | 16.0% | 6.50% |
| 7 | ElevationsBoulder, CO | C | 2,315 | 4,426 | 10.8% | 6.88% |
| 8 | Pennymac Loan ServicesWestlake Village, CA | C | 1,811 | 3,970 | 10.5% | 6.38% |
| 9 | Bellco Credit UnionGreenwood Village, CO | F | 1,786 | 5,863 | 40.9% | 8.00% |
| 10 | Credit Union of Colorado, a Federal Credit UnionDenver, CO | C | 1,670 | 2,209 | 19.1% | 7.25% |
| 11 | Guild MortgageSan Diego, CA | A | 1,595 | 6,232 | 3.1% | 6.62% |
| 12 | Mortgage Research CenterColumbia, MO | C | 1,546 | 3,204 | 20.4% | 5.99% |
| 13 | Lakeview Loan ServicingCoral Gables, FL | C | 1,473 | 2,096 | 48.8% | 6.13% |
| 14 | AmeriSave MortgageSandy Springs, GA | D | 1,254 | 1,287 | 58.3% | 8.50% |
| 15 | Broker SolutionsTustin, CA | D | 1,241 | 3,025 | 6.0% | 6.63% |
| 16 | FirstBankLakewood, CO | C | 1,185 | 4,929 | 15.6% | 7.00% |
| 17 | Guaranteed RateChicago, IL | B | 1,088 | 3,822 | 3.7% | 6.45% |
| 18 | CMG MortgageSan Ramon, CA | A | 1,070 | 2,947 | 3.2% | 6.50% |
| 19 | U.S. BankCincinnati, OH | D | 1,064 | 4,978 | 36.0% | 7.95% |
| 20 | JPMorgan Chase BankColumbus, OH | B | 947 | 3,101 | 9.4% | 6.38% |
| 21 | Crosscountry MortgageCleveland, OH | B | 898 | 3,804 | 3.6% | 6.58% |
| 22 | Loandepot.ComIrvine, CA | D | 866 | 2,979 | 18.1% | 6.13% |
| 23 | Carrington Mortgage ServicesOrange, CA | D | 823 | 921 | 42.5% | 6.25% |
| 24 | Canvas Credit UnionLone Tree, CO | C | 694 | 4,889 | 13.7% | 7.89% |
| 25 | Navy Federal Credit UnionVienna, VA | D | 643 | 3,361 | 21.1% | 7.75% |
| 26 | New Day FinancialWest Palm Beach, FL | F | 629 | 654 | 25.7% | 6.87% |
| 27 | Village Capital & InvestmentHenderson, NV | C | 615 | 638 | 17.9% | 5.75% |
| 28 | Fairway Independent MortgageMadison, WI | B | 615 | 3,299 | 5.1% | 6.63% |
| 29 | Nationstar MortgageCoppell, TX | C | 610 | 1,819 | 13.9% | 8.38% |
| 30 | Spring EqConshohocken, PA | D | 598 | 3,201 | 50.9% | 8.95% |
| 31 | Mutual of Omaha MortgageSan Diego, CA | C | 584 | 957 | 12.2% | 6.13% |
| 32 | Alpine BankGlenwood Springs, CO | B | 570 | 2,096 | 11.8% | 8.00% |
| 33 | PHH MortgageMount Laurel, NJ | C | 556 | 592 | 8.5% | 5.99% |
| 34 | Security Service Federal Credit UnionSan Antonio, TX | C | 515 | 1,487 | 17.1% | 6.99% |
| 35 | GoodLeapRoseville, CA | C | 510 | 510 | 20.6% | 6.99% |
| 36 | Westerra Credit UnionDenver, CO | D | 498 | 1,640 | 23.5% | 7.99% |
| 37 | Zions BancorporationSalt Lake City, UT | B | 498 | 1,836 | 29.6% | 7.75% |
| 38 | Bank of ColoradoFort Collins, | C | 419 | 1,909 | 10.5% | 6.88% |
| 39 | Wells Fargo BankCharlotte, NC | B | 396 | 1,271 | 17.7% | 6.25% |
| 40 | Everett FinancialDallas, | C | 392 | 940 | 2.9% | 6.63% |
| 41 | The Huntington National BankColumbus, OH | D | 386 | 1,239 | 28.7% | 6.75% |
| 42 | The Loan StoreSan Francisco, CA | B | 367 | 2,297 | 8.6% | 6.63% |
| 43 | BMO BankChicago, IL | F | 363 | 1,734 | 33.5% | 8.13% |
| 44 | Sofi BankCottonwood Heights, UT | D | 360 | 1,399 | 7.9% | 7.79% |
| 45 | Unnamed lender 254900M2C4Q6DATP2889 | F | 334 | 342 | 16.4% | 6.13% |
| 46 | Provident Funding AssociatesSanta Rosa, CA | A | 330 | 985 | 5.1% | 6.38% |
| 47 | BOKFTulsa, OK | D | 322 | 1,443 | 15.7% | 6.50% |
| 48 | Bank of AmericaCharlotte, NC | F | 315 | 2,216 | 28.7% | 5.99% |
| 49 | Third Federal Savings and Loan Association of ClevelandCleveland, OH | C | 312 | 725 | 30.1% | 6.99% |
| 50 | The Federal Savings BankChicago, IL | C | 311 | 402 | 10.5% | 6.63% |
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.
