Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 11,791 | 16,503 | 17.3% | 6.50% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 7,037 | 12,458 | 10.9% | 6.12% |
| 3 | Freedom MortgageBoca Raton, FL | B | 5,192 | 5,493 | 8.0% | 6.25% |
| 4 | Pennymac Loan ServicesWestlake Village, CA | C | 4,098 | 5,331 | 11.2% | 6.00% |
| 5 | Regions BankBirmingham, AL | C | 3,073 | 11,247 | 36.5% | 4.99% |
| 6 | NewrezWilmington, DE | D | 2,983 | 3,780 | 16.8% | 6.25% |
| 7 | AmeriSave MortgageSandy Springs, GA | D | 2,896 | 2,980 | 60.9% | 7.13% |
| 8 | Mortgage Research CenterColumbia, MO | C | 2,664 | 6,568 | 17.3% | 6.25% |
| 9 | Broker SolutionsTustin, CA | D | 1,714 | 3,712 | 8.0% | 6.63% |
| 10 | Carrington Mortgage ServicesOrange, CA | D | 1,586 | 1,676 | 43.6% | 6.25% |
| 11 | Lakeview Loan ServicingCoral Gables, FL | C | 1,514 | 1,706 | 44.8% | 6.25% |
| 12 | New Day FinancialWest Palm Beach, FL | F | 1,510 | 1,586 | 21.5% | 6.99% |
| 13 | Loandepot.ComIrvine, CA | D | 1,423 | 3,056 | 21.4% | 5.99% |
| 14 | Truist BankCharlotte, NC | C | 1,106 | 4,114 | 37.2% | 6.63% |
| 15 | Village Capital & InvestmentHenderson, NV | C | 1,099 | 1,140 | 20.2% | 5.75% |
| 16 | CMG MortgageSan Ramon, CA | A | 1,086 | 5,643 | 2.9% | 6.50% |
| 17 | Crosscountry MortgageCleveland, OH | B | 1,082 | 3,778 | 4.8% | 6.63% |
| 18 | Ascend Federal Credit UnionTullahoma, TN | C | 1,076 | 2,890 | 18.3% | 7.50% |
| 19 | First Horizon BankMemphis, TN | B | 993 | 4,168 | 29.4% | 7.25% |
| 20 | OrnlOak Ridge, TN | C | 975 | 2,062 | 14.7% | 7.25% |
| 21 | Nationstar MortgageCoppell, TX | C | 971 | 2,124 | 13.1% | 7.38% |
| 22 | Guaranteed RateChicago, IL | B | 927 | 3,368 | 4.5% | 6.38% |
| 23 | Eastman Credit UnionKingsport, TN | D | 903 | 4,436 | 21.5% | 7.25% |
| 24 | FirstBankNashville, TN | C | 815 | 5,677 | 14.5% | 6.88% |
| 25 | Navy Federal Credit UnionVienna, VA | D | 777 | 4,080 | 21.4% | 7.25% |
| 26 | Knoxville Tva Employees Credit UnionKnoxville, TN | A | 751 | 2,269 | 4.6% | 5.99% |
| 27 | GoodLeapRoseville, CA | C | 730 | 730 | 20.8% | 6.50% |
| 28 | Mutual of Omaha MortgageSan Diego, CA | C | 715 | 1,378 | 16.2% | 6.38% |
| 29 | Mortgage Investors GroupNashville, TN | B | 694 | 4,454 | 3.5% | 6.50% |
| 30 | First Community MortgageMurfreesboro, TN | A | 678 | 3,154 | 6.0% | 6.38% |
| 31 | U.S. BankCincinnati, OH | D | 661 | 3,876 | 35.0% | 7.60% |
| 32 | Equity Prime MortgageAtlanta, GA | D | 647 | 1,025 | 9.1% | 6.50% |
| 33 | Movement MortgageLancaster, SC | A | 627 | 3,282 | 3.8% | 6.63% |
| 34 | Cadence BankTupelo, MS | B | 606 | 2,573 | 16.9% | 6.75% |
| 35 | PHH MortgageMount Laurel, NJ | C | 590 | 625 | 6.7% | 6.13% |
| 36 | Bank of AmericaCharlotte, NC | F | 570 | 3,749 | 34.5% | 5.99% |
| 37 | American FinancingAurora, CO | D | 541 | 573 | 44.3% | 6.13% |
| 38 | Fifth Third BankCincinnati, OH | D | 533 | 1,984 | 31.2% | 7.63% |
| 39 | JPMorgan Chase BankColumbus, OH | B | 525 | 1,951 | 8.9% | 6.38% |
| 40 | Unnamed lender 254900M2C4Q6DATP2889 | F | 506 | 518 | 17.0% | 6.13% |
| 41 | United Community BankBlairsville, GA | B | 488 | 1,623 | 23.8% | 6.50% |
| 42 | Y-12 Federal Credit UnionOak Ridge, TN | C | 488 | 1,629 | 30.6% | 7.25% |
| 43 | Pinnacle BankNashville, TN | B | 454 | 4,053 | 13.6% | 6.50% |
| 44 | Tennessee Valley FCUChattanooga, TN | D | 442 | 1,789 | 22.3% | 6.72% |
| 45 | Leaders Credit UnionJackson, TN | C | 442 | 2,250 | 15.2% | 6.50% |
| 46 | MilendAlpharetta, GA | F | 431 | 438 | 12.3% | 6.25% |
| 47 | Kiavi FundingWilmington, DE | D | 430 | 1,129 | 8.5% | 9.95% |
| 48 | The Federal Savings BankChicago, IL | C | 428 | 532 | 10.9% | 6.38% |
| 49 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 415 | 520 | 9.0% | 6.38% |
| 50 | Union Home MortgageStrongsville, OH | B | 415 | 1,849 | 4.8% | 6.38% |
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.
