Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Gate City BankFargo, ND | C | 570 | 3,106 | 11.3% | 6.65% |
| 2 | Rocket MortgagePlymouth, MI | C | 552 | 827 | 21.6% | 6.63% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 365 | 881 | 7.5% | 6.25% |
| 4 | Freedom MortgageBoca Raton, FL | B | 207 | 238 | 16.8% | 6.25% |
| 5 | TOWN AND COUNTRY Credit UnionMinot, ND | B | 201 | 571 | 2.1% | 6.25% |
| 6 | NewrezWilmington, DE | D | 194 | 271 | 15.5% | 6.49% |
| 7 | Mortgage Research CenterColumbia, MO | C | 189 | 500 | 13.6% | 6.25% |
| 8 | First International Bank & TrustWatford City, ND | B | 169 | 1,112 | 4.0% | 6.63% |
| 9 | AmeriSave MortgageSandy Springs, GA | D | 153 | 159 | 57.2% | 7.94% |
| 10 | Bell BankFargo, ND | A | 133 | 806 | 7.7% | 6.99% |
| 11 | Pennymac Loan ServicesWestlake Village, CA | C | 121 | 246 | 15.9% | 6.31% |
| 12 | First Community Credit UnionJamestown, ND | B | 117 | 675 | 7.1% | 6.49% |
| 13 | CapitalBismarck, ND | C | 103 | 646 | 3.7% | 7.00% |
| 14 | U.S. BankCincinnati, OH | D | 101 | 486 | 30.0% | 7.30% |
| 15 | Alerus FinancialGrand Forks, ND | B | 89 | 298 | 9.4% | 7.00% |
| 16 | Broker SolutionsTustin, CA | D | 87 | 203 | 14.8% | 6.88% |
| 17 | Aspire Community Federal Credit unionMinot, ND | A | 82 | 150 | 3.3% | — |
| 18 | Loandepot.ComIrvine, CA | D | 75 | 243 | 25.9% | 6.49% |
| 19 | Lakeview Loan ServicingCoral Gables, FL | C | 73 | 99 | 45.5% | 6.50% |
| 20 | Fairway Independent MortgageMadison, WI | B | 70 | 497 | 3.0% | 6.40% |
| 21 | Bravera BankDickinson, ND | A | 61 | 365 | 2.2% | — |
| 22 | Cornerstone BankFargo, ND | B | 59 | 126 | 2.4% | 7.25% |
| 23 | Dakota Community Bank & TrustHebron, ND | B | 53 | 351 | 4.6% | 6.25% |
| 24 | Nationstar MortgageCoppell, TX | C | 48 | 111 | 18.9% | 7.56% |
| 25 | Presidential BankBethesda, MD | B | 47 | 96 | 1.0% | 6.99% |
| 26 | Old National BankEvansville, IN | B | 47 | 189 | 12.7% | 6.50% |
| 27 | Guaranteed RateChicago, IL | B | 45 | 194 | 9.3% | 6.38% |
| 28 | First Western Bank & TrustMinot, ND | B | 45 | 254 | 2.8% | 6.63% |
| 29 | NextMortgageSan Ramon, CA | C | 44 | 91 | 1.1% | 6.99% |
| 30 | Village Capital & InvestmentHenderson, NV | C | 43 | 44 | 18.2% | 5.75% |
| 31 | Mutual of Omaha MortgageSan Diego, CA | C | 42 | 72 | 19.4% | 6.19% |
| 32 | Wells Fargo BankCharlotte, NC | B | 41 | 115 | 13.9% | 6.50% |
| 33 | Western State BankDevils Lake, ND | B | 39 | 170 | 3.5% | 6.38% |
| 34 | Choice Financial GroupFargo, ND | B | 37 | 211 | 4.3% | 6.65% |
| 35 | The Federal Savings BankChicago, IL | C | 35 | 40 | 10.0% | 6.50% |
| 36 | American FinancingAurora, CO | D | 35 | 46 | 50.0% | 6.00% |
| 37 | Kirkwood Bank & TrustBismarck, ND | A | 34 | 138 | 2.2% | — |
| 38 | Dacotah BankAberdeen, SD | B | 33 | 125 | 5.6% | 6.63% |
| 39 | Starion BankBismarck, ND | B | 32 | 214 | 2.8% | 6.50% |
| 40 | Crosscountry MortgageCleveland, OH | B | 30 | 155 | 4.5% | 6.49% |
| 41 | Equity Prime MortgageAtlanta, GA | D | 26 | 34 | 5.9% | 6.50% |
| 42 | HOMETOWN Credit UnionKulm, ND | – | 26 | 43 | 0.0% | 6.45% |
| 43 | RailwayMandan, ND | C | 26 | 116 | 12.1% | — |
| 44 | Empeople Credit UnionMoline, IL | C | 24 | 57 | 10.5% | 6.49% |
| 45 | Carrington Mortgage ServicesOrange, CA | D | 23 | 28 | 35.7% | 6.13% |
| 46 | Unison BankJamestown, ND | C | 23 | 108 | 8.3% | — |
| 47 | First United BankPark River, ND | – | 21 | 62 | 3.2% | — |
| 48 | Western Cooperative Credit UnionWilliston, ND | – | 21 | 107 | 2.8% | 6.25% |
| 49 | Sofi BankCottonwood Heights, UT | D | 20 | 72 | 4.2% | 7.99% |
| 50 | Granite BankCold Spring, MN | B | 20 | 169 | 5.3% | 6.50% |
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.
