Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 3,186 | 4,636 | 24.8% | 6.63% |
| 2 | Community Bank of MississippiFlowood, MS | C | 1,568 | 3,856 | 9.0% | 7.65% |
| 3 | Cadence BankTupelo, MS | B | 1,539 | 5,301 | 19.2% | 7.25% |
| 4 | Freedom MortgageBoca Raton, FL | B | 1,521 | 1,626 | 8.1% | 6.25% |
| 5 | Trustmark National BankJackson, MS | C | 1,281 | 5,531 | 12.5% | 6.75% |
| 6 | United Shore Financial ServicesPlymouth, MI | B | 1,254 | 2,109 | 13.9% | 6.13% |
| 7 | AmeriSave MortgageSandy Springs, GA | D | 1,201 | 1,257 | 66.4% | 6.75% |
| 8 | Regions BankBirmingham, AL | C | 1,155 | 4,916 | 44.7% | 5.75% |
| 9 | Mortgage Research CenterColumbia, MO | C | 1,003 | 2,628 | 19.1% | 6.38% |
| 10 | Renasant BankTupelo, MS | B | 945 | 3,188 | 14.3% | 6.99% |
| 11 | NewrezWilmington, DE | D | 922 | 1,088 | 27.7% | 6.25% |
| 12 | New Day FinancialWest Palm Beach, FL | F | 917 | 966 | 20.7% | 6.99% |
| 13 | Pennymac Loan ServicesWestlake Village, CA | C | 875 | 1,342 | 13.9% | 6.13% |
| 14 | BankPlusRidgeland, MS | B | 773 | 2,638 | 10.7% | 6.50% |
| 15 | Broker SolutionsTustin, CA | D | 683 | 1,585 | 9.7% | 6.88% |
| 16 | KeeslerBiloxi, MS | D | 618 | 2,422 | 40.4% | 6.75% |
| 17 | Loandepot.ComIrvine, CA | D | 474 | 1,195 | 29.5% | 6.50% |
| 18 | Carrington Mortgage ServicesOrange, CA | D | 446 | 474 | 48.5% | 6.56% |
| 19 | BankFirst Financial ServicesMacon, MS | A | 428 | 1,044 | 7.4% | 7.00% |
| 20 | Navy Federal Credit UnionVienna, VA | D | 277 | 1,519 | 23.8% | 6.63% |
| 21 | Nationstar MortgageCoppell, TX | C | 274 | 583 | 17.7% | 7.13% |
| 22 | Guaranty Bank and TrustBelzoni, MS | D | 270 | 1,386 | 16.2% | 7.13% |
| 23 | Village Capital & InvestmentHenderson, NV | C | 268 | 278 | 11.9% | 5.75% |
| 24 | Unnamed lender 529900YKD9FOL6BFSG98 | C | 256 | 484 | 12.0% | — |
| 25 | Planters Bank & TrustIndianola, MS | C | 243 | 453 | 9.9% | 8.25% |
| 26 | Lakeview Loan ServicingCoral Gables, FL | C | 240 | 368 | 48.1% | 6.56% |
| 27 | Crosscountry MortgageCleveland, OH | B | 231 | 941 | 4.5% | 6.63% |
| 28 | The Citizens Bank of Philadelphia, MississippiPhiladelphia, MS | C | 227 | 425 | 7.3% | — |
| 29 | Mutual of Omaha MortgageSan Diego, CA | C | 207 | 322 | 25.8% | 6.50% |
| 30 | Citizens BankColumbia, MS | A | 205 | 364 | 5.0% | — |
| 31 | The Federal Savings BankChicago, IL | C | 184 | 214 | 10.8% | 6.63% |
| 32 | CMG MortgageSan Ramon, CA | A | 178 | 1,161 | 5.9% | 6.25% |
| 33 | PriorityOne BankMagee, MS | B | 177 | 758 | 8.4% | 7.25% |
| 34 | American FinancingAurora, CO | D | 168 | 184 | 46.7% | 6.25% |
| 35 | Hancock Whitney BankGulfport, MS | B | 162 | 795 | 25.7% | 6.00% |
| 36 | GMFSBaton Rouge, LA | A | 160 | 396 | 2.5% | 6.63% |
| 37 | Kiavi FundingWilmington, DE | D | 145 | 215 | 0.0% | 7.50% |
| 38 | Bpl Mortgage TrustTampa, FL | D | 141 | 249 | 14.9% | 7.38% |
| 39 | Union Home MortgageStrongsville, OH | B | 139 | 398 | 7.5% | 6.25% |
| 40 | Royal United MortgageIndianapolis, IN | F | 138 | 144 | 27.1% | 6.75% |
| 41 | Planet Home LendingMeriden, CT | B | 118 | 362 | 13.0% | 6.25% |
| 42 | Equity Prime MortgageAtlanta, GA | D | 117 | 287 | 11.9% | 6.63% |
| 43 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 115 | 134 | 6.7% | 6.38% |
| 44 | Wells Fargo BankCharlotte, NC | B | 115 | 312 | 24.4% | 6.44% |
| 45 | The Citizens National Bank of MeridianMeridian, MS | C | 115 | 464 | 13.6% | 6.99% |
| 46 | Stockton MortgageFrankfort, KY | D | 106 | 579 | 7.8% | 6.63% |
| 47 | Guild MortgageSan Diego, CA | A | 103 | 1,142 | 5.9% | 6.50% |
| 48 | 21st MortgageKnoxville, TN | F | 103 | 6,764 | 48.5% | 10.56% |
| 49 | JPMorgan Chase BankColumbus, OH | B | 98 | 432 | 12.3% | 6.50% |
| 50 | Loan FunderNew York, NY | F | 92 | 196 | 19.4% | 7.01% |
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.
