Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 2,317 | 3,090 | 17.0% | 6.75% |
| 2 | Citizens BankProvidence, RI | C | 1,968 | 4,969 | 24.3% | 7.40% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 1,193 | 2,488 | 8.8% | 6.50% |
| 4 | CMG MortgageSan Ramon, CA | A | 983 | 3,499 | 2.5% | 6.63% |
| 5 | Freedom MortgageBoca Raton, FL | B | 696 | 729 | 8.4% | 6.25% |
| 6 | NewrezWilmington, DE | D | 695 | 836 | 17.1% | 6.75% |
| 7 | AmeriSave MortgageSandy Springs, GA | D | 575 | 594 | 61.3% | 7.63% |
| 8 | TD BankWilmington, DE | D | 493 | 1,811 | 22.5% | 7.54% |
| 9 | Loandepot.ComIrvine, CA | D | 410 | 936 | 14.6% | 6.75% |
| 10 | St. Mary's Bank Credit UnionManchester, NH | B | 407 | 1,514 | 21.2% | 7.25% |
| 11 | Pennymac Loan ServicesWestlake Village, CA | C | 392 | 680 | 11.8% | 6.63% |
| 12 | Mortgage Research CenterColumbia, MO | C | 380 | 806 | 17.9% | 6.13% |
| 13 | Lakeview Loan ServicingCoral Gables, FL | C | 314 | 419 | 40.1% | 6.25% |
| 14 | Broker SolutionsTustin, CA | D | 312 | 585 | 9.1% | 6.75% |
| 15 | DigitalSan Jose, CA | D | 302 | 1,129 | 20.3% | 7.74% |
| 16 | Guild MortgageSan Diego, CA | A | 299 | 970 | 5.5% | 6.63% |
| 17 | Lighthouse Federal Credit UnionPortsmouth, NH | D | 294 | 1,311 | 34.3% | 7.49% |
| 18 | Service Federal Credit UnionPortsmouth, NH | C | 292 | 2,300 | 25.5% | 6.49% |
| 19 | Crosscountry MortgageCleveland, OH | B | 253 | 965 | 3.5% | 6.79% |
| 20 | Guaranteed RateChicago, IL | B | 219 | 700 | 4.6% | 6.55% |
| 21 | Meredith Village Savings BankMeredith, NH | C | 208 | 900 | 13.3% | 7.25% |
| 22 | Granite State Credit UnionManchester, NH | C | 206 | 542 | 7.8% | 7.50% |
| 23 | Nationstar MortgageCoppell, TX | C | 205 | 468 | 13.3% | 7.38% |
| 24 | Fairway Independent MortgageMadison, WI | B | 191 | 944 | 6.0% | 6.63% |
| 25 | Carrington Mortgage ServicesOrange, CA | D | 177 | 184 | 36.4% | 7.06% |
| 26 | Bank of AmericaCharlotte, NC | F | 176 | 1,068 | 28.9% | 5.99% |
| 27 | Manufacturers and Traders TrustBuffalo, NY | C | 167 | 574 | 31.9% | 5.99% |
| 28 | New Day FinancialWest Palm Beach, FL | F | 162 | 169 | 20.7% | 6.74% |
| 29 | Mutual of Omaha MortgageSan Diego, CA | C | 151 | 225 | 16.0% | 6.38% |
| 30 | Navy Federal Credit UnionVienna, VA | D | 136 | 634 | 17.5% | 7.50% |
| 31 | Mascoma BankLebanon, NH | B | 135 | 580 | 12.4% | 6.99% |
| 32 | Eastern BankBoston, MA | B | 120 | 471 | 28.7% | 6.99% |
| 33 | Emm LoansCherry Hill, NJ | B | 118 | 928 | 1.3% | 6.63% |
| 34 | Holy Rosary Regional Credit UnionRochester, NH | A | 113 | 364 | 9.1% | 6.50% |
| 35 | Bar Harbor Bank & TrustBar Harbor, ME | D | 104 | 479 | 20.3% | 7.13% |
| 36 | PHH MortgageMount Laurel, NJ | C | 101 | 106 | 16.0% | 5.99% |
| 37 | Spring EqConshohocken, PA | D | 101 | 641 | 53.4% | 9.10% |
| 38 | Movement MortgageLancaster, SC | A | 100 | 444 | 4.3% | 6.63% |
| 39 | Triangle Credit UnionNashua, NH | C | 98 | 166 | 15.1% | 6.50% |
| 40 | JPMorgan Chase BankColumbus, OH | B | 97 | 311 | 10.9% | 6.38% |
| 41 | The Camden National BankCamden, ME | A | 96 | 556 | 17.8% | 6.75% |
| 42 | Sofi BankCottonwood Heights, UT | D | 95 | 333 | 10.8% | 7.90% |
| 43 | Harborone MortgageBrockton, MA | B | 93 | 432 | 6.0% | 6.63% |
| 44 | The Federal Savings BankChicago, IL | C | 88 | 105 | 8.6% | 6.25% |
| 45 | Envoy MortgageHouston, TX | D | 88 | 265 | 2.6% | 6.63% |
| 46 | Merrimack County Savings BankConcord, NH | D | 85 | 355 | 17.8% | 7.00% |
| 47 | Bangor Savings BankBangor, ME | B | 85 | 410 | 18.8% | 7.00% |
| 48 | Village Capital & InvestmentHenderson, NV | C | 84 | 84 | 19.1% | 5.75% |
| 49 | American FinancingAurora, CO | D | 79 | 83 | 42.2% | 6.00% |
| 50 | Wells Fargo BankCharlotte, NC | B | 74 | 146 | 15.1% | 6.38% |
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.
