Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 15,382 | 23,165 | 18.5% | 6.63% |
| 2 | The Huntington National BankColumbus, OH | D | 13,811 | 42,683 | 25.8% | 7.59% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 7,811 | 14,626 | 13.1% | 6.45% |
| 4 | Fifth Third BankCincinnati, OH | D | 7,197 | 21,939 | 25.6% | 7.50% |
| 5 | Freedom MortgageBoca Raton, FL | B | 5,346 | 5,665 | 8.8% | 6.25% |
| 6 | NewrezWilmington, DE | D | 4,423 | 5,795 | 19.0% | 6.75% |
| 7 | AmeriSave MortgageSandy Springs, GA | D | 3,744 | 3,871 | 62.7% | 7.50% |
| 8 | Third Federal Savings and Loan Association of ClevelandCleveland, OH | C | 3,704 | 12,622 | 23.0% | 6.74% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 3,532 | 5,767 | 11.8% | 6.49% |
| 10 | Crosscountry MortgageCleveland, OH | B | 3,375 | 16,066 | 3.1% | 6.75% |
| 11 | PNC BankWilmington, DE | D | 3,153 | 11,607 | 24.6% | 7.40% |
| 12 | Mortgage Research CenterColumbia, MO | C | 2,878 | 6,947 | 18.3% | 6.25% |
| 13 | Citizens BankProvidence, RI | C | 2,755 | 7,775 | 24.3% | 7.65% |
| 14 | Kiavi FundingWilmington, DE | D | 2,214 | 3,993 | 4.9% | 9.95% |
| 15 | Broker SolutionsTustin, CA | D | 2,197 | 4,499 | 9.2% | 6.99% |
| 16 | New Day FinancialWest Palm Beach, FL | F | 2,116 | 2,166 | 24.0% | 6.99% |
| 17 | Loandepot.ComIrvine, CA | D | 2,025 | 5,699 | 20.7% | 6.75% |
| 18 | Union Savings BankCincinnati, OH | A | 2,011 | 6,982 | 5.1% | 6.75% |
| 19 | Wright-Patt Credit UnionBeavercreek, OH | C | 1,987 | 8,791 | 28.1% | 7.50% |
| 20 | Carrington Mortgage ServicesOrange, CA | D | 1,892 | 2,059 | 42.2% | 6.63% |
| 21 | JPMorgan Chase BankColumbus, OH | B | 1,826 | 6,671 | 10.3% | 6.50% |
| 22 | U.S. BankCincinnati, OH | D | 1,480 | 8,623 | 38.0% | 7.60% |
| 23 | Nationstar MortgageCoppell, TX | C | 1,303 | 2,660 | 14.4% | 7.43% |
| 24 | GoodLeapRoseville, CA | C | 1,280 | 1,281 | 22.2% | 6.50% |
| 25 | Union Home MortgageStrongsville, OH | B | 1,166 | 7,114 | 4.6% | 6.75% |
| 26 | Village Capital & InvestmentHenderson, NV | C | 1,099 | 1,152 | 21.9% | 5.75% |
| 27 | Guaranteed RateChicago, IL | B | 1,079 | 4,955 | 3.9% | 6.58% |
| 28 | The Park National BankNewark, OH | C | 1,056 | 4,596 | 16.8% | 7.25% |
| 29 | Kemba Financial Credit UnionGahanna, OH | C | 1,027 | 3,331 | 29.6% | 7.00% |
| 30 | Lakeview Loan ServicingCoral Gables, FL | C | 1,026 | 1,486 | 46.9% | 6.63% |
| 31 | Bpl Mortgage TrustTampa, FL | D | 1,021 | 2,012 | 11.0% | 7.50% |
| 32 | First Financial BankCincinnati, OH | D | 991 | 4,284 | 22.3% | 6.25% |
| 33 | LowerColumbia, MD | C | 947 | 2,641 | 8.1% | 6.63% |
| 34 | Mutual of Omaha MortgageSan Diego, CA | C | 866 | 2,023 | 14.6% | 6.63% |
| 35 | KeyBankCleveland, OH | C | 850 | 3,468 | 24.7% | 6.63% |
| 36 | WesBanco BankWheeling, | B | 789 | 4,383 | 17.3% | 6.38% |
| 37 | American FinancingAurora, CO | D | 746 | 845 | 44.0% | 6.38% |
| 38 | Navy Federal Credit UnionVienna, VA | D | 700 | 3,865 | 19.6% | 7.00% |
| 39 | Equity Prime MortgageAtlanta, GA | D | 696 | 1,062 | 10.3% | 6.63% |
| 40 | Unnamed lender 254900M2C4Q6DATP2889 | F | 687 | 699 | 21.2% | 6.25% |
| 41 | Seven Seventeen Credit UnionWarren, OH | C | 668 | 2,553 | 18.1% | 7.00% |
| 42 | First National Bank of PennsylvaniaHermitage, PA | B | 609 | 2,206 | 23.9% | 6.49% |
| 43 | Dollar Bank, Federal Savings BankPittsburgh, PA | C | 584 | 1,900 | 25.8% | 6.75% |
| 44 | First Commonwealth BankIndiana, PA | C | 579 | 2,066 | 18.2% | 6.13% |
| 45 | Superior Credit UnionLima, OH | D | 577 | 3,705 | 12.7% | 6.50% |
| 46 | Loan FunderNew York, NY | F | 547 | 1,175 | 10.0% | 8.28% |
| 47 | The Federal Savings BankChicago, IL | C | 544 | 876 | 9.1% | 6.63% |
| 48 | NFMLinthicum, MD | A | 534 | 4,370 | 1.1% | 6.75% |
| 49 | LendingoneBoca Raton, FL | F | 528 | 1,275 | 20.7% | 7.60% |
| 50 | Equity ResourcesNewark, OH | C | 528 | 1,522 | 8.2% | 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.
