Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 8,943 | 13,403 | 16.8% | 6.63% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 5,414 | 9,236 | 12.8% | 6.13% |
| 3 | Freedom MortgageBoca Raton, FL | B | 4,871 | 5,296 | 7.3% | 6.25% |
| 4 | NewrezWilmington, DE | D | 3,083 | 3,749 | 18.9% | 6.50% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 2,800 | 4,524 | 11.3% | 6.25% |
| 6 | Mortgage Research CenterColumbia, MO | C | 2,201 | 5,189 | 19.1% | 6.25% |
| 7 | AmeriSave MortgageSandy Springs, GA | D | 2,178 | 2,254 | 57.4% | 7.88% |
| 8 | New Day FinancialWest Palm Beach, FL | F | 1,836 | 1,917 | 22.9% | 6.99% |
| 9 | Broker SolutionsTustin, CA | D | 1,402 | 2,738 | 7.4% | 6.75% |
| 10 | First-Citizens Bank & TrustRaleigh, NC | B | 1,214 | 5,399 | 20.9% | 6.38% |
| 11 | Loandepot.ComIrvine, CA | D | 1,177 | 4,060 | 22.1% | 5.99% |
| 12 | Lakeview Loan ServicingCoral Gables, FL | C | 1,084 | 1,545 | 44.6% | 6.50% |
| 13 | Carrington Mortgage ServicesOrange, CA | D | 1,071 | 1,168 | 45.7% | 6.63% |
| 14 | Village Capital & InvestmentHenderson, NV | C | 1,050 | 1,095 | 20.5% | 5.75% |
| 15 | Truist BankCharlotte, NC | C | 1,004 | 4,366 | 34.7% | 6.60% |
| 16 | Navy Federal Credit UnionVienna, VA | D | 982 | 5,424 | 21.2% | 7.50% |
| 17 | South Carolina Federal Credit UnionNorth Charleston, SC | F | 898 | 1,613 | 10.7% | 7.63% |
| 18 | Crosscountry MortgageCleveland, OH | B | 891 | 3,653 | 4.0% | 6.63% |
| 19 | Guild MortgageSan Diego, CA | A | 791 | 3,859 | 4.8% | 6.63% |
| 20 | Founders Federal Credit UnionLancaster, SC | D | 754 | 2,970 | 21.9% | 7.50% |
| 21 | Nationstar MortgageCoppell, TX | C | 752 | 1,807 | 12.3% | 7.50% |
| 22 | Bank of AmericaCharlotte, NC | F | 696 | 5,009 | 33.1% | 6.24% |
| 23 | Movement MortgageLancaster, SC | A | 694 | 4,069 | 3.1% | 6.56% |
| 24 | SouthState BankWinter Haven, FL | B | 676 | 4,350 | 21.6% | 6.85% |
| 25 | Wells Fargo BankCharlotte, NC | B | 590 | 1,791 | 16.9% | 6.38% |
| 26 | Mutual of Omaha MortgageSan Diego, CA | C | 582 | 1,130 | 16.6% | 6.63% |
| 27 | Palmetto Citizens Federal Credit UnionColumbia, SC | B | 532 | 1,099 | 21.7% | 6.50% |
| 28 | S. C. State Federal Credit UnionColumbia, SC | A | 512 | 1,594 | 22.5% | 4.50% |
| 29 | LowerColumbia, MD | C | 510 | 2,142 | 7.4% | 6.63% |
| 30 | Guaranteed RateChicago, IL | B | 509 | 1,988 | 6.2% | 6.58% |
| 31 | GoodLeapRoseville, CA | C | 508 | 509 | 20.6% | 5.99% |
| 32 | CMG MortgageSan Ramon, CA | A | 444 | 1,895 | 6.1% | 6.63% |
| 33 | Safe Federal Credit UnionSumter, SC | C | 442 | 963 | 20.3% | 6.50% |
| 34 | Equity Prime MortgageAtlanta, GA | D | 433 | 799 | 12.0% | 6.63% |
| 35 | Kiavi FundingWilmington, DE | D | 409 | 954 | 8.8% | 10.24% |
| 36 | Unnamed lender 254900M2C4Q6DATP2889 | F | 397 | 400 | 17.5% | 6.25% |
| 37 | American FinancingAurora, CO | D | 397 | 460 | 47.4% | 5.99% |
| 38 | PHH MortgageMount Laurel, NJ | C | 396 | 422 | 8.8% | 6.13% |
| 39 | Ameris BankAtlanta, GA | B | 395 | 2,512 | 7.8% | 6.49% |
| 40 | The Federal Savings BankChicago, IL | C | 394 | 485 | 7.8% | 6.25% |
| 41 | United Community BankBlairsville, GA | B | 380 | 1,438 | 24.6% | 6.50% |
| 42 | TD BankWilmington, DE | D | 365 | 1,908 | 21.6% | 7.44% |
| 43 | JPMorgan Chase BankColumbus, OH | B | 326 | 1,645 | 9.1% | 6.49% |
| 44 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 300 | 307 | 8.8% | 6.38% |
| 45 | Primelending, a PlainscapitalDallas, TX | A | 285 | 2,046 | 4.0% | 6.38% |
| 46 | MilendAlpharetta, GA | F | 280 | 282 | 15.6% | 6.25% |
| 47 | Planet Home LendingMeriden, CT | B | 249 | 393 | 18.6% | 5.99% |
| 48 | Southern First BankGreenville, SC | B | 249 | 1,204 | 1.7% | 6.88% |
| 49 | Sofi BankCottonwood Heights, UT | D | 247 | 1,115 | 9.2% | 7.59% |
| 50 | Spring EqConshohocken, PA | D | 241 | 2,178 | 48.5% | 9.00% |
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.
