Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 4,553 | 6,649 | 16.3% | 6.75% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 3,371 | 6,600 | 10.4% | 6.25% |
| 3 | Onpoint Community Credit UnionPortland, OR | B | 2,824 | 10,710 | 15.7% | 7.50% |
| 4 | NewrezWilmington, DE | D | 2,065 | 2,945 | 12.9% | 6.63% |
| 5 | Freedom MortgageBoca Raton, FL | B | 1,591 | 1,717 | 9.3% | 6.13% |
| 6 | Guild MortgageSan Diego, CA | A | 1,577 | 6,034 | 2.6% | 6.55% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 1,208 | 2,642 | 10.2% | 6.62% |
| 8 | AmeriSave MortgageSandy Springs, GA | D | 1,158 | 1,176 | 62.3% | 8.63% |
| 9 | Mortgage Research CenterColumbia, MO | C | 987 | 1,978 | 17.9% | 6.13% |
| 10 | U.S. BankCincinnati, OH | D | 923 | 4,875 | 31.6% | 7.85% |
| 11 | CMG MortgageSan Ramon, CA | A | 772 | 2,702 | 2.9% | 6.50% |
| 12 | Umpqua BankLake Oswego, OR | C | 679 | 3,155 | 23.0% | 7.50% |
| 13 | Broker SolutionsTustin, CA | D | 655 | 1,344 | 7.1% | 6.88% |
| 14 | Loandepot.ComIrvine, CA | D | 641 | 1,991 | 15.5% | 6.75% |
| 15 | Oregon CommunityEugene, OR | B | 623 | 2,232 | 12.1% | 7.50% |
| 16 | First CommunityCoquille, OR | B | 587 | 1,844 | 19.0% | 5.50% |
| 17 | Crosscountry MortgageCleveland, OH | B | 579 | 2,360 | 4.4% | 6.63% |
| 18 | Lakeview Loan ServicingCoral Gables, FL | C | 573 | 854 | 47.9% | 6.50% |
| 19 | First Technology Federal Credit UnionSan Jose, CA | B | 562 | 2,230 | 12.6% | 7.38% |
| 20 | Guaranteed RateChicago, IL | B | 471 | 1,750 | 3.1% | 6.58% |
| 21 | Rogue Credit UnionMedford, OR | C | 456 | 2,511 | 10.2% | 7.49% |
| 22 | New Day FinancialWest Palm Beach, FL | F | 442 | 466 | 21.7% | 6.75% |
| 23 | Bank of AmericaCharlotte, NC | F | 430 | 2,389 | 26.6% | 6.24% |
| 24 | American FinancingAurora, CO | D | 404 | 505 | 40.6% | 6.38% |
| 25 | JPMorgan Chase BankColumbus, OH | B | 384 | 1,381 | 11.8% | 6.38% |
| 26 | Mutual of Omaha MortgageSan Diego, CA | C | 382 | 709 | 17.6% | 6.25% |
| 27 | Carrington Mortgage ServicesOrange, CA | D | 369 | 404 | 47.5% | 6.63% |
| 28 | Village Capital & InvestmentHenderson, NV | C | 345 | 356 | 21.1% | 5.75% |
| 29 | Nationstar MortgageCoppell, TX | C | 344 | 1,023 | 15.4% | 8.38% |
| 30 | Nations Direct MortgageHenderson, NV | B | 327 | 1,728 | 1.2% | 6.49% |
| 31 | Spring EqConshohocken, PA | D | 315 | 1,813 | 49.9% | 9.05% |
| 32 | Movement MortgageLancaster, SC | A | 308 | 1,364 | 4.7% | 6.75% |
| 33 | Mortgage ExpressPortland, OR | A | 297 | 1,480 | 3.5% | 6.50% |
| 34 | Fairway Independent MortgageMadison, WI | B | 297 | 1,613 | 5.5% | 6.63% |
| 35 | Wells Fargo BankCharlotte, NC | B | 284 | 851 | 15.9% | 6.25% |
| 36 | Banner BankWalla Walla, WA | D | 268 | 1,438 | 28.4% | 6.88% |
| 37 | KeyBankCleveland, OH | C | 265 | 829 | 26.5% | 6.88% |
| 38 | PHH MortgageMount Laurel, NJ | C | 264 | 290 | 7.6% | 5.99% |
| 39 | The Federal Savings BankChicago, IL | C | 257 | 306 | 8.8% | 6.25% |
| 40 | Navy Federal Credit UnionVienna, VA | D | 246 | 1,171 | 20.8% | 7.00% |
| 41 | GoodLeapRoseville, CA | C | 239 | 239 | 19.3% | 7.35% |
| 42 | Kind LendingIrvine, CA | C | 227 | 1,233 | 20.8% | 6.63% |
| 43 | Provident Funding AssociatesSanta Rosa, CA | A | 222 | 735 | 3.3% | 6.38% |
| 44 | Quorum Federal Credit UnionPurchase, NY | D | 217 | 235 | 33.2% | 8.63% |
| 45 | Coastal Community BankEverett, WA | C | 217 | 1,438 | 1.9% | 9.99% |
| 46 | American Pacific MortgageRoseville, CA | C | 214 | 1,111 | 5.0% | 6.63% |
| 47 | Directors MortgageLake Oswego, OR | B | 211 | 906 | 4.4% | 6.63% |
| 48 | Union Home MortgageStrongsville, OH | B | 210 | 984 | 4.2% | 6.50% |
| 49 | Selco CommunitySpringfield, OR | C | 207 | 2,031 | 30.5% | 7.25% |
| 50 | Better MortgageNew York, NY | F | 193 | 804 | 24.5% | 6.88% |
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.
