Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Citizens BankProvidence, RI | C | 2,734 | 6,329 | 27.8% | 7.40% |
| 2 | Rocket MortgagePlymouth, MI | C | 1,132 | 1,430 | 19.7% | 6.75% |
| 3 | Navigant Credit UnionSmithfield, RI | B | 735 | 2,847 | 16.1% | 6.50% |
| 4 | COASTAL1 Credit UnionPawtucket, RI | B | 679 | 1,931 | 24.3% | 6.75% |
| 5 | Freedom MortgageBoca Raton, FL | B | 566 | 584 | 7.7% | 6.25% |
| 6 | NewrezWilmington, DE | D | 516 | 638 | 19.4% | 6.63% |
| 7 | United Shore Financial ServicesPlymouth, MI | B | 427 | 780 | 18.0% | 6.38% |
| 8 | The Washington Trust Company, of WesterlyWesterly, RI | C | 397 | 1,755 | 21.9% | 6.38% |
| 9 | CMG MortgageSan Ramon, CA | A | 362 | 992 | 7.6% | 6.63% |
| 10 | Broker SolutionsTustin, CA | D | 333 | 522 | 6.1% | 6.63% |
| 11 | AmeriSave MortgageSandy Springs, GA | D | 332 | 339 | 61.4% | 8.50% |
| 12 | Pennymac Loan ServicesWestlake Village, CA | C | 329 | 557 | 12.4% | 6.50% |
| 13 | Loandepot.ComIrvine, CA | D | 310 | 684 | 24.4% | 6.88% |
| 14 | Movement MortgageLancaster, SC | A | 307 | 1,308 | 3.6% | 6.63% |
| 15 | BankNewportMiddletown, RI | B | 292 | 1,014 | 19.7% | 6.63% |
| 16 | Rhode Island Credit UnionWarwick, RI | F | 249 | 551 | 31.0% | 6.99% |
| 17 | Bank of AmericaCharlotte, NC | F | 232 | 1,298 | 39.1% | 6.24% |
| 18 | Greenwood Credit UnionWarwick, RI | C | 220 | 499 | 23.5% | 6.75% |
| 19 | Carrington Mortgage ServicesOrange, CA | D | 217 | 231 | 47.2% | 7.19% |
| 20 | Guild MortgageSan Diego, CA | A | 206 | 731 | 3.2% | 6.63% |
| 21 | Primary Residential MortgageSalt Lake City, UT | C | 202 | 1,056 | 8.4% | 6.63% |
| 22 | Baycoast Mortgage CompanySwansea, MA | A | 182 | 548 | 2.9% | 6.50% |
| 23 | Mortgage Research CenterColumbia, MO | C | 166 | 368 | 22.3% | 6.25% |
| 24 | Lakeview Loan ServicingCoral Gables, FL | C | 163 | 248 | 44.4% | 6.50% |
| 25 | Nationstar MortgageCoppell, TX | C | 140 | 283 | 14.5% | 7.49% |
| 26 | Mutual of Omaha MortgageSan Diego, CA | C | 132 | 184 | 27.7% | 6.49% |
| 27 | Guaranteed RateChicago, IL | B | 130 | 426 | 5.6% | 6.58% |
| 28 | Centreville BankWest Warwick, RI | B | 117 | 542 | 12.9% | 6.49% |
| 29 | Navy Federal Credit UnionVienna, VA | D | 106 | 526 | 16.7% | 7.34% |
| 30 | Crosscountry MortgageCleveland, OH | B | 104 | 323 | 7.4% | 6.75% |
| 31 | Bank Rhode IslandBoston, MA | C | 100 | 277 | 26.4% | 7.25% |
| 32 | Webster BankStamford, CT | C | 93 | 206 | 21.4% | 6.79% |
| 33 | PHH MortgageMount Laurel, NJ | C | 89 | 90 | 6.7% | 5.99% |
| 34 | NFMLinthicum, MD | A | 87 | 556 | 1.6% | 6.75% |
| 35 | Westerly CommunityWakefield, RI | C | 84 | 575 | 17.2% | 6.99% |
| 36 | The People's Credit UnionMiddletown, RI | D | 83 | 260 | 18.5% | 6.75% |
| 37 | JPMorgan Chase BankColumbus, OH | B | 78 | 242 | 9.5% | 6.38% |
| 38 | Northpointe BankGrand Rapids, MI | C | 77 | 298 | 6.0% | 6.63% |
| 39 | TD BankWilmington, DE | D | 75 | 320 | 33.1% | 7.64% |
| 40 | Spring EqConshohocken, PA | D | 71 | 364 | 53.3% | 9.23% |
| 41 | Brookline BankBoston, MA | B | 70 | 192 | 16.2% | 6.75% |
| 42 | Fall River Five Cents Savings BankFall River, MA | B | 68 | 345 | 9.6% | 6.63% |
| 43 | Total Mortgage ServicesMilford, CT | B | 67 | 204 | 2.5% | 6.75% |
| 44 | Arc HomeBaltimore, MD | C | 66 | 98 | 10.2% | 7.75% |
| 45 | OCMBCIrvine, CA | C | 66 | 113 | 5.3% | 7.50% |
| 46 | HarborOne BankBrockton, MA | C | 64 | 180 | 48.9% | 6.74% |
| 47 | The Federal Savings BankChicago, IL | C | 62 | 69 | 8.7% | 6.25% |
| 48 | Sofi BankCottonwood Heights, UT | D | 62 | 232 | 11.6% | 7.94% |
| 49 | Home Loan Investment BankWarwick, RI | F | 62 | 289 | 8.0% | 6.63% |
| 50 | Village Capital & InvestmentHenderson, NV | C | 59 | 59 | 18.6% | 5.87% |
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.
