Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 7,323 | 10,460 | 18.4% | 6.63% |
| 2 | Freedom MortgageBoca Raton, FL | B | 3,794 | 3,946 | 8.2% | 6.25% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 2,951 | 6,710 | 8.0% | 6.55% |
| 4 | Pennymac Loan ServicesWestlake Village, CA | C | 2,818 | 4,610 | 12.1% | 6.38% |
| 5 | NewrezWilmington, DE | D | 2,788 | 3,424 | 18.2% | 6.63% |
| 6 | AmeriSave MortgageSandy Springs, GA | D | 2,348 | 2,434 | 61.4% | 7.25% |
| 7 | Mortgage Research CenterColumbia, MO | C | 2,174 | 5,734 | 15.6% | 6.25% |
| 8 | Guild MortgageSan Diego, CA | A | 1,874 | 7,388 | 2.5% | 6.63% |
| 9 | Broker SolutionsTustin, CA | D | 1,813 | 5,007 | 7.8% | 6.88% |
| 10 | The Central Trust BankJefferson City, MO | C | 1,499 | 7,022 | 9.7% | 6.63% |
| 11 | Communityamerica Credit UnionLenexa, KS | B | 1,468 | 5,843 | 16.8% | 6.49% |
| 12 | Commerce BankKansas City, MO | D | 1,299 | 4,905 | 27.2% | 6.72% |
| 13 | New Day FinancialWest Palm Beach, FL | F | 1,259 | 1,326 | 22.6% | 6.99% |
| 14 | U.S. BankCincinnati, OH | D | 1,249 | 7,190 | 32.8% | 7.63% |
| 15 | Flat Branch MortgageColumbia, MO | A | 1,206 | 8,999 | 0.9% | 6.63% |
| 16 | Loandepot.ComIrvine, CA | D | 1,072 | 2,183 | 28.4% | 6.88% |
| 17 | Kiavi FundingWilmington, DE | D | 1,027 | 2,066 | 5.8% | 9.50% |
| 18 | Carrington Mortgage ServicesOrange, CA | D | 981 | 1,043 | 39.2% | 6.63% |
| 19 | Nationstar MortgageCoppell, TX | C | 865 | 1,951 | 14.0% | 7.75% |
| 20 | Lakeview Loan ServicingCoral Gables, FL | C | 852 | 1,226 | 41.8% | 6.63% |
| 21 | Village Capital & InvestmentHenderson, NV | C | 832 | 879 | 12.0% | 5.99% |
| 22 | DAS Acquisition CompanySt. Louis, MO | B | 714 | 4,130 | 2.5% | 6.75% |
| 23 | Arvest BankFayetteville, AR | C | 709 | 3,204 | 15.0% | 6.88% |
| 24 | Bank of AmericaCharlotte, NC | F | 687 | 3,487 | 30.0% | 6.24% |
| 25 | Mutual of Omaha MortgageSan Diego, CA | C | 659 | 1,012 | 19.1% | 6.38% |
| 26 | Regions BankBirmingham, AL | C | 603 | 2,308 | 33.8% | 4.99% |
| 27 | First State Community BankFarmington, MO | C | 553 | 2,851 | 12.6% | 6.88% |
| 28 | GoodLeapRoseville, CA | C | 526 | 527 | 23.3% | 6.38% |
| 29 | JlbSaint Louis, MO | C | 521 | 653 | 4.1% | 6.25% |
| 30 | The Federal Savings BankChicago, IL | C | 502 | 580 | 9.8% | 6.50% |
| 31 | Crosscountry MortgageCleveland, OH | B | 499 | 1,787 | 4.0% | 6.69% |
| 32 | Fairway Independent MortgageMadison, WI | B | 474 | 3,034 | 3.7% | 6.63% |
| 33 | Navy Federal Credit UnionVienna, VA | D | 442 | 2,262 | 20.8% | 6.63% |
| 34 | Together Credit UnionSaint Louis, MO | C | 438 | 1,733 | 15.2% | 7.25% |
| 35 | First CommunityChesterfield, MO | F | 415 | 4,377 | 25.6% | 5.95% |
| 36 | Gershman InvestmentChesterfield, MO | B | 407 | 2,317 | 6.3% | 6.63% |
| 37 | American FinancingAurora, CO | D | 401 | 448 | 43.3% | 5.99% |
| 38 | PHH MortgageMount Laurel, NJ | C | 400 | 416 | 9.6% | 6.49% |
| 39 | INFUZE Credit UnionFort Leonard Wood, MO | C | 397 | 623 | 28.7% | 6.49% |
| 40 | River Region Credit UnionJefferson City, MO | A | 393 | 1,485 | 7.1% | — |
| 41 | Guaranteed RateChicago, IL | B | 376 | 964 | 9.1% | 6.50% |
| 42 | JPMorgan Chase BankColumbus, OH | B | 351 | 1,300 | 11.2% | 6.50% |
| 43 | Endeavor Capital, LLC.Chesterfield, MO | C | 350 | 906 | 2.5% | 6.62% |
| 44 | UMB BankKansas City, | B | 337 | 1,264 | 23.8% | 5.99% |
| 45 | Planet Home LendingMeriden, CT | B | 330 | 479 | 18.4% | 5.99% |
| 46 | Great Southern BankReeds Spring, MO | C | 329 | 1,384 | 22.6% | 6.63% |
| 47 | Wells Fargo BankCharlotte, NC | B | 310 | 731 | 17.0% | 6.38% |
| 48 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 309 | 355 | 5.4% | 6.50% |
| 49 | First State Bank of St. Charles, MissouriSt. Charles, MO | A | 307 | 1,609 | 0.0% | 6.50% |
| 50 | Leaderone FinancialOverland Park, KS | D | 306 | 2,189 | 8.0% | 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.
