Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 1,524 | 1,999 | 17.5% | 6.75% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 994 | 1,857 | 9.2% | 6.25% |
| 3 | Freedom MortgageBoca Raton, FL | B | 684 | 724 | 8.6% | 6.00% |
| 4 | Glacier BankKalispell, MT | D | 603 | 3,018 | 16.2% | 7.25% |
| 5 | Stockman Bank of MontanaMiles City, MT | B | 557 | 2,911 | 6.3% | 6.88% |
| 6 | AmeriSave MortgageSandy Springs, GA | D | 449 | 456 | 61.6% | 8.00% |
| 7 | Mortgage Research CenterColumbia, MO | C | 416 | 940 | 16.7% | 6.13% |
| 8 | NewrezWilmington, DE | D | 390 | 481 | 15.0% | 6.50% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 345 | 667 | 11.8% | 6.62% |
| 10 | Opportunity Bank of MontanaHelena, MT | B | 327 | 1,608 | 9.8% | 6.88% |
| 11 | First Interstate BankBillings, MT | D | 236 | 987 | 22.9% | 8.25% |
| 12 | Crosscountry MortgageCleveland, OH | B | 231 | 920 | 5.1% | 6.63% |
| 13 | Broker SolutionsTustin, CA | D | 229 | 495 | 11.9% | 6.75% |
| 14 | New Day FinancialWest Palm Beach, FL | F | 203 | 215 | 19.1% | 6.75% |
| 15 | Guild MortgageSan Diego, CA | A | 200 | 733 | 3.7% | 6.25% |
| 16 | Guaranteed RateChicago, IL | B | 195 | 758 | 6.3% | 6.50% |
| 17 | U.S. BankCincinnati, OH | D | 193 | 1,024 | 27.1% | 7.13% |
| 18 | Lakeview Loan ServicingCoral Gables, FL | C | 192 | 272 | 34.9% | 6.25% |
| 19 | Loandepot.ComIrvine, CA | D | 192 | 406 | 27.3% | 6.99% |
| 20 | Evergreen Moneysource MortgageBellevue, WA | B | 158 | 1,158 | 1.1% | 6.25% |
| 21 | Mutual of Omaha MortgageSan Diego, CA | C | 145 | 220 | 17.3% | 6.43% |
| 22 | Valley Financial Credit UnionBillings, MT | D | 133 | 343 | 21.6% | 7.25% |
| 23 | Nationstar MortgageCoppell, TX | C | 123 | 323 | 15.2% | 7.99% |
| 24 | Carrington Mortgage ServicesOrange, CA | D | 122 | 128 | 47.7% | 6.63% |
| 25 | The Yellowstone BankBillings, MT | B | 110 | 283 | 3.9% | — |
| 26 | American FinancingAurora, CO | D | 109 | 141 | 36.2% | 5.99% |
| 27 | Mountain America Federal Credit UnionSandy, UT | D | 101 | 275 | 40.0% | 6.95% |
| 28 | Altana Federal Credit UnionBillings, MT | A | 98 | 474 | 17.7% | 6.25% |
| 29 | Barrington Bank & Trust CompanyBarrington, IL | C | 96 | 188 | 5.3% | 6.28% |
| 30 | Wells Fargo BankCharlotte, NC | B | 95 | 281 | 15.7% | 6.38% |
| 31 | Village Capital & InvestmentHenderson, NV | C | 93 | 97 | 22.7% | 5.75% |
| 32 | Kind LendingIrvine, CA | C | 93 | 450 | 21.1% | 6.50% |
| 33 | Synergy One LendingSan Diego, CA | C | 81 | 273 | 8.4% | 6.50% |
| 34 | The Federal Savings BankChicago, IL | C | 79 | 91 | 6.6% | 6.50% |
| 35 | Primelending, a PlainscapitalDallas, TX | A | 73 | 211 | 2.4% | 6.63% |
| 36 | CMG MortgageSan Ramon, CA | A | 70 | 168 | 8.3% | 6.75% |
| 37 | JPMorgan Chase BankColumbus, OH | B | 68 | 252 | 8.3% | 6.38% |
| 38 | PHH MortgageMount Laurel, NJ | C | 66 | 75 | 9.3% | 5.75% |
| 39 | Russell Country Federal Credit UnionGreat Falls, MT | – | 64 | 79 | 11.4% | 6.75% |
| 40 | Navy Federal Credit UnionVienna, VA | D | 64 | 384 | 18.8% | 6.94% |
| 41 | Montana Federal Credit UnionGreat Falls, MT | C | 62 | 141 | 10.6% | 6.74% |
| 42 | Calcon Mutual MortgageSan Diego, CA | D | 61 | 220 | 8.2% | 5.99% |
| 43 | LowerColumbia, MD | C | 61 | 300 | 8.0% | 6.00% |
| 44 | Sofi BankCottonwood Heights, UT | D | 60 | 224 | 9.4% | 7.06% |
| 45 | Union Home MortgageStrongsville, OH | B | 55 | 245 | 4.5% | 6.50% |
| 46 | Bank of AmericaCharlotte, NC | F | 53 | 306 | 27.1% | 6.00% |
| 47 | TrailWest BankLolo, MT | C | 52 | 253 | 7.5% | — |
| 48 | Cornerstone Capital BankHouston, TX | A | 51 | 264 | 1.1% | 6.63% |
| 49 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 48 | 76 | 10.5% | 6.31% |
| 50 | Churchill MortgageBrentwood, TN | B | 48 | 237 | 1.7% | 6.13% |
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.
