Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit UnionChubbuck, ID | A | 5,833 | 15,644 | 16.5% | 7.00% |
| 2 | Rocket MortgagePlymouth, MI | C | 3,023 | 4,391 | 13.3% | 6.63% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 1,735 | 3,943 | 9.1% | 6.12% |
| 4 | Mountain America Federal Credit UnionSandy, UT | D | 974 | 2,323 | 37.7% | 7.24% |
| 5 | Freedom MortgageBoca Raton, FL | B | 922 | 966 | 8.0% | 6.06% |
| 6 | NewrezWilmington, DE | D | 655 | 795 | 15.9% | 6.63% |
| 7 | Guild MortgageSan Diego, CA | A | 625 | 2,320 | 3.4% | 6.50% |
| 8 | AmeriSave MortgageSandy Springs, GA | D | 618 | 636 | 60.1% | 8.50% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 613 | 1,297 | 10.8% | 6.50% |
| 10 | Mortgage Research CenterColumbia, MO | C | 541 | 1,154 | 18.5% | 6.13% |
| 11 | Loandepot.ComIrvine, CA | D | 485 | 1,622 | 14.2% | 6.50% |
| 12 | Premier Mortgage ResourcesMeridian, ID | B | 448 | 2,504 | 2.7% | 6.25% |
| 13 | U.S. BankCincinnati, OH | D | 410 | 2,161 | 28.6% | 7.35% |
| 14 | Broker SolutionsTustin, CA | D | 345 | 729 | 10.3% | 6.75% |
| 15 | New Day FinancialWest Palm Beach, FL | F | 334 | 339 | 18.6% | 6.99% |
| 16 | First Federal Savings Bank of Twin FallsTwin Falls, ID | C | 322 | 1,250 | 14.2% | 6.92% |
| 17 | Lakeview Loan ServicingCoral Gables, FL | C | 294 | 399 | 41.6% | 6.13% |
| 18 | Guaranteed RateChicago, IL | B | 294 | 984 | 5.3% | 6.58% |
| 19 | CMG MortgageSan Ramon, CA | A | 284 | 1,087 | 2.5% | 6.63% |
| 20 | American FinancingAurora, CO | D | 246 | 302 | 45.7% | 6.38% |
| 21 | Glacier BankKalispell, MT | D | 240 | 1,507 | 14.5% | 6.88% |
| 22 | Freedom Northwest Credit UnionKamiah, ID | A | 235 | 376 | 0.0% | — |
| 23 | Potlatch No. 1 Financial Credit UnionLewiston, ID | C | 228 | 903 | 11.6% | 7.50% |
| 24 | Zions BancorporationSalt Lake City, UT | B | 226 | 861 | 21.1% | 6.49% |
| 25 | Mutual of Omaha MortgageSan Diego, CA | C | 213 | 346 | 16.2% | 6.25% |
| 26 | Spokane TeachersLiberty Lake, WA | D | 209 | 730 | 24.9% | 7.49% |
| 27 | Movement MortgageLancaster, SC | A | 198 | 1,130 | 5.8% | 6.50% |
| 28 | Nationstar MortgageCoppell, TX | C | 197 | 551 | 13.6% | 8.25% |
| 29 | GoodLeapRoseville, CA | C | 194 | 195 | 22.1% | 6.75% |
| 30 | Fairway Independent MortgageMadison, WI | B | 194 | 993 | 6.5% | 6.49% |
| 31 | Carrington Mortgage ServicesOrange, CA | D | 175 | 197 | 39.6% | 6.62% |
| 32 | D. L. Evans BankBurley, ID | D | 174 | 755 | 15.2% | — |
| 33 | American Pacific MortgageRoseville, CA | C | 174 | 904 | 4.4% | 6.50% |
| 34 | Crosscountry MortgageCleveland, OH | B | 171 | 705 | 3.0% | 6.45% |
| 35 | Unnamed lender 254900M2C4Q6DATP2889 | F | 168 | 171 | 14.0% | 6.00% |
| 36 | Synergy One LendingSan Diego, CA | C | 166 | 770 | 5.6% | 6.38% |
| 37 | WESTMARK Credit UnionIdaho Falls, ID | B | 166 | 1,230 | 15.8% | 6.99% |
| 38 | Village Capital & InvestmentHenderson, NV | C | 163 | 169 | 22.5% | 5.75% |
| 39 | Willamette Valley BankSalem, OR | C | 162 | 530 | 9.3% | 6.38% |
| 40 | Washington Trust BankSpokane, WA | D | 161 | 468 | 24.6% | 7.50% |
| 41 | LowerColumbia, MD | C | 156 | 218 | 9.6% | 6.56% |
| 42 | Evergreen Moneysource MortgageBellevue, WA | B | 153 | 910 | 0.3% | 6.50% |
| 43 | Kind LendingIrvine, CA | C | 147 | 793 | 16.0% | 6.50% |
| 44 | Capital Educators Federal Credit UnionMeridian, ID | C | 145 | 567 | 13.4% | — |
| 45 | JPMorgan Chase BankColumbus, OH | B | 144 | 521 | 9.4% | 6.63% |
| 46 | The Federal Savings BankChicago, IL | C | 143 | 169 | 5.9% | 6.25% |
| 47 | Umpqua BankLake Oswego, OR | C | 139 | 472 | 24.8% | 8.00% |
| 48 | Spring EqConshohocken, PA | D | 127 | 667 | 47.1% | 8.80% |
| 49 | Pioneer Federal Credit UnionMountain Home, ID | B | 126 | 609 | 7.1% | 7.50% |
| 50 | AMERICA FIRST Federal Credit UnionRiverdale, UT | C | 125 | 451 | 21.7% | 6.99% |
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.
