Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 4,982 | 6,889 | 15.4% | 6.88% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 2,789 | 6,913 | 11.4% | 6.31% |
| 3 | Freedom MortgageBoca Raton, FL | B | 2,321 | 2,502 | 6.4% | 6.13% |
| 4 | NewrezWilmington, DE | D | 1,457 | 1,716 | 21.0% | 6.63% |
| 5 | Guild MortgageSan Diego, CA | A | 1,403 | 5,533 | 2.6% | 6.50% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 1,372 | 3,188 | 12.5% | 6.62% |
| 7 | AmeriSave MortgageSandy Springs, GA | D | 1,235 | 1,272 | 57.1% | 8.50% |
| 8 | Broker SolutionsTustin, CA | D | 1,148 | 2,559 | 8.9% | 6.75% |
| 9 | GoodLeapRoseville, CA | C | 1,100 | 1,102 | 22.9% | 6.38% |
| 10 | Mortgage Research CenterColumbia, MO | C | 966 | 2,017 | 19.9% | 6.13% |
| 11 | AMERICA FIRST Federal Credit UnionRiverdale, UT | C | 944 | 3,873 | 28.6% | 7.24% |
| 12 | Loandepot.ComIrvine, CA | D | 826 | 2,484 | 18.2% | 6.99% |
| 13 | New Day FinancialWest Palm Beach, FL | F | 729 | 758 | 27.6% | 6.75% |
| 14 | Crosscountry MortgageCleveland, OH | B | 667 | 2,251 | 4.6% | 6.75% |
| 15 | Zions BancorporationSalt Lake City, UT | B | 660 | 2,224 | 36.0% | 5.50% |
| 16 | Lakeview Loan ServicingCoral Gables, FL | C | 605 | 920 | 43.6% | 6.43% |
| 17 | Guaranteed RateChicago, IL | B | 552 | 1,862 | 8.6% | 6.75% |
| 18 | U.S. BankCincinnati, OH | D | 533 | 3,745 | 40.2% | 7.65% |
| 19 | Mutual of Omaha MortgageSan Diego, CA | C | 492 | 862 | 17.5% | 6.38% |
| 20 | Navy Federal Credit UnionVienna, VA | D | 458 | 2,579 | 24.5% | 7.75% |
| 21 | Carrington Mortgage ServicesOrange, CA | D | 447 | 500 | 38.4% | 6.25% |
| 22 | JPMorgan Chase BankColumbus, OH | B | 436 | 1,450 | 11.7% | 6.50% |
| 23 | Bank of AmericaCharlotte, NC | F | 436 | 3,296 | 35.9% | 6.24% |
| 24 | CMG MortgageSan Ramon, CA | A | 402 | 1,495 | 6.2% | 6.70% |
| 25 | Village Capital & InvestmentHenderson, NV | C | 393 | 411 | 17.8% | 5.75% |
| 26 | Wells Fargo BankCharlotte, NC | B | 363 | 922 | 17.6% | 6.38% |
| 27 | Nationstar MortgageCoppell, TX | C | 349 | 960 | 13.3% | 8.25% |
| 28 | PHH MortgageMount Laurel, NJ | C | 313 | 340 | 5.0% | 5.99% |
| 29 | The Federal Savings BankChicago, IL | C | 308 | 350 | 10.0% | 6.25% |
| 30 | Mountain America Federal Credit UnionSandy, UT | D | 303 | 1,051 | 41.7% | 7.49% |
| 31 | American Financial NetworkBrea, CA | C | 243 | 546 | 8.2% | 6.63% |
| 32 | OCMBCIrvine, CA | C | 239 | 644 | 12.1% | 7.00% |
| 33 | Quorum Federal Credit UnionPurchase, NY | D | 237 | 250 | 38.0% | 8.63% |
| 34 | American FinancingAurora, CO | D | 217 | 220 | 51.8% | 5.99% |
| 35 | Mission LoansColumbus, OH | D | 202 | 368 | 2.2% | 7.00% |
| 36 | Sofi BankCottonwood Heights, UT | D | 194 | 876 | 9.9% | 7.72% |
| 37 | United Federal Credit UnionSaint Joseph, MI | D | 187 | 962 | 28.9% | 7.05% |
| 38 | The Loan StoreSan Francisco, CA | B | 181 | 1,219 | 8.9% | 6.75% |
| 39 | Movement MortgageLancaster, SC | A | 175 | 911 | 6.2% | 6.88% |
| 40 | Clark County Credit UnionLas Vegas, NV | F | 173 | 1,469 | 25.7% | 7.75% |
| 41 | Ladera LendingLadera Ranch, CA | C | 171 | 176 | 3.4% | 7.25% |
| 42 | Discover BankGreenwood, DE | F | 164 | 996 | 54.4% | 8.73% |
| 43 | Spring EqConshohocken, PA | D | 150 | 1,149 | 45.2% | 9.25% |
| 44 | Planet Home LendingMeriden, CT | B | 143 | 272 | 22.1% | 5.99% |
| 45 | Prosperity Home MortgageFairfax, VA | A | 134 | 303 | 10.2% | 6.25% |
| 46 | Finance of America ReverseTulsa, OK | C | 133 | 251 | 8.0% | 6.52% |
| 47 | Equity Prime MortgageAtlanta, GA | D | 132 | 242 | 9.9% | 6.50% |
| 48 | Sun West Mortgage CompanyCerritos, CA | B | 132 | 265 | 11.7% | 6.22% |
| 49 | LoanUnited.comDuluth, GA | C | 131 | 168 | 11.9% | 5.99% |
| 50 | Canopy MortgageLindon, UT | B | 124 | 441 | 1.8% | 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.
