Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 19,547 | 29,845 | 18.2% | 6.63% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 11,825 | 23,784 | 12.6% | 6.25% |
| 3 | Freedom MortgageBoca Raton, FL | B | 8,510 | 9,293 | 9.1% | 6.25% |
| 4 | NewrezWilmington, DE | D | 6,793 | 7,880 | 21.5% | 6.63% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 5,979 | 10,273 | 11.6% | 6.49% |
| 6 | AmeriSave MortgageSandy Springs, GA | D | 5,136 | 5,292 | 62.4% | 8.00% |
| 7 | Broker SolutionsTustin, CA | D | 4,011 | 9,709 | 8.6% | 6.63% |
| 8 | Mortgage Research CenterColumbia, MO | C | 3,831 | 9,443 | 19.8% | 6.25% |
| 9 | New Day FinancialWest Palm Beach, FL | F | 2,934 | 3,040 | 23.1% | 6.99% |
| 10 | Carrington Mortgage ServicesOrange, CA | D | 2,923 | 3,068 | 46.1% | 6.63% |
| 11 | Lakeview Loan ServicingCoral Gables, FL | C | 2,608 | 3,570 | 50.8% | 6.63% |
| 12 | American FinancingAurora, CO | D | 2,463 | 2,673 | 54.5% | 6.13% |
| 13 | Navy Federal Credit UnionVienna, VA | D | 2,441 | 12,388 | 26.4% | 7.95% |
| 14 | Loandepot.ComIrvine, CA | D | 2,420 | 7,336 | 24.5% | 6.49% |
| 15 | Truist BankCharlotte, NC | C | 2,384 | 10,563 | 38.7% | 6.49% |
| 16 | Village Capital & InvestmentHenderson, NV | C | 2,180 | 2,259 | 21.3% | 5.75% |
| 17 | Nationstar MortgageCoppell, TX | C | 1,675 | 3,796 | 13.6% | 7.75% |
| 18 | Crosscountry MortgageCleveland, OH | B | 1,449 | 6,148 | 5.2% | 6.63% |
| 19 | MilendAlpharetta, GA | F | 1,419 | 1,507 | 11.2% | 6.25% |
| 20 | Regions BankBirmingham, AL | C | 1,377 | 6,451 | 37.9% | 6.13% |
| 21 | Bank of AmericaCharlotte, NC | F | 1,298 | 9,168 | 36.5% | 6.24% |
| 22 | Ameris BankAtlanta, GA | B | 1,280 | 8,065 | 10.1% | 6.50% |
| 23 | Wells Fargo BankCharlotte, NC | B | 1,279 | 3,187 | 20.0% | 6.38% |
| 24 | Delta Community Credit UnionAtlanta, GA | C | 1,226 | 5,505 | 26.9% | 7.00% |
| 25 | United Community BankBlairsville, GA | B | 1,192 | 4,774 | 23.0% | 6.50% |
| 26 | Guaranteed RateChicago, IL | B | 1,180 | 3,236 | 8.2% | 6.50% |
| 27 | Mutual of Omaha MortgageSan Diego, CA | C | 1,179 | 1,919 | 19.1% | 6.50% |
| 28 | Kiavi FundingWilmington, DE | D | 1,090 | 2,569 | 7.2% | 10.24% |
| 29 | Equity Prime MortgageAtlanta, GA | D | 1,057 | 1,841 | 11.1% | 6.63% |
| 30 | JPMorgan Chase BankColumbus, OH | B | 1,026 | 3,649 | 10.4% | 6.38% |
| 31 | GoodLeapRoseville, CA | C | 951 | 953 | 23.3% | 6.63% |
| 32 | Atlanta PostalAtlanta, GA | F | 935 | 1,079 | 37.6% | 8.50% |
| 33 | The Federal Savings BankChicago, IL | C | 933 | 1,126 | 11.3% | 6.50% |
| 34 | Synovus BankColumbus, GA | D | 919 | 3,969 | 19.8% | 7.50% |
| 35 | Unnamed lender 254900M2C4Q6DATP2889 | F | 890 | 902 | 18.1% | 6.13% |
| 36 | Planet Home LendingMeriden, CT | B | 851 | 1,482 | 15.5% | 6.00% |
| 37 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 804 | 1,121 | 7.2% | 6.50% |
| 38 | PHH MortgageMount Laurel, NJ | C | 802 | 864 | 7.4% | 6.38% |
| 39 | LowerColumbia, MD | C | 731 | 1,610 | 13.0% | 6.50% |
| 40 | Fairway Independent MortgageMadison, WI | B | 693 | 5,147 | 3.8% | 6.63% |
| 41 | Guild MortgageSan Diego, CA | A | 653 | 5,377 | 5.2% | 6.25% |
| 42 | Renasant BankTupelo, MS | B | 631 | 2,795 | 9.6% | 6.63% |
| 43 | Movement MortgageLancaster, SC | A | 623 | 3,494 | 4.9% | 6.50% |
| 44 | PNC BankWilmington, DE | D | 617 | 2,553 | 35.8% | 7.74% |
| 45 | LoanUnited.comDuluth, GA | C | 607 | 1,000 | 6.7% | 6.13% |
| 46 | Sofi BankCottonwood Heights, UT | D | 574 | 2,401 | 9.5% | 7.75% |
| 47 | LendingoneBoca Raton, FL | F | 568 | 1,435 | 16.9% | 7.45% |
| 48 | Sun West Mortgage CompanyCerritos, CA | B | 561 | 764 | 14.0% | 6.00% |
| 49 | Georgia UnitedDuluth, GA | D | 550 | 3,190 | 35.5% | 7.38% |
| 50 | Spring EqConshohocken, PA | D | 540 | 4,535 | 50.2% | 9.25% |
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.
