Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Total Mortgage ServicesMilford, CT | B | 27 | 125 | 3.2% | 6.25% |
| 2 | CMG MortgageSan Ramon, CA | A | 15 | 80 | 7.5% | 6.00% |
| 3 | Carrington Mortgage ServicesOrange, CA | D | 0 | 5 | 40.0% | 2.75% |
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.
