Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Mountain America Federal Credit UnionSandy, UT | D | 6,439 | 15,401 | 36.5% | 7.24% |
| 2 | AMERICA FIRST Federal Credit UnionRiverdale, UT | C | 5,814 | 16,303 | 18.3% | 6.99% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 4,593 | 11,325 | 8.5% | 6.25% |
| 4 | Rocket MortgagePlymouth, MI | C | 4,172 | 6,276 | 14.6% | 6.63% |
| 5 | GoldenwestOgden, UT | B | 1,561 | 4,794 | 17.6% | 7.50% |
| 6 | NewrezWilmington, DE | D | 1,447 | 1,801 | 17.3% | 6.63% |
| 7 | Freedom MortgageBoca Raton, FL | B | 1,420 | 1,549 | 8.7% | 6.13% |
| 8 | Guild MortgageSan Diego, CA | A | 1,411 | 5,427 | 1.5% | 6.50% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 1,141 | 2,132 | 12.7% | 6.38% |
| 10 | Utah Community Federal Credit UnionProvo, UT | B | 1,070 | 2,573 | 16.1% | 6.99% |
| 11 | Intercap LendingSalt Lake City, UT | A | 1,067 | 4,881 | 0.7% | 6.50% |
| 12 | Zions BancorporationSalt Lake City, UT | B | 1,042 | 3,013 | 22.9% | 6.49% |
| 13 | Lakeview Loan ServicingCoral Gables, FL | C | 843 | 1,100 | 42.0% | 6.19% |
| 14 | Kind LendingIrvine, CA | C | 823 | 3,227 | 20.3% | 6.50% |
| 15 | Broker SolutionsTustin, CA | D | 659 | 1,269 | 8.7% | 6.75% |
| 16 | AmeriSave MortgageSandy Springs, GA | D | 617 | 640 | 51.9% | 8.50% |
| 17 | CYPRUS Federal Credit UnionWest Jordan, UT | C | 543 | 1,799 | 26.5% | 4.99% |
| 18 | The Loan StoreSan Francisco, CA | B | 510 | 2,524 | 5.4% | 6.49% |
| 19 | Loandepot.ComIrvine, CA | D | 507 | 1,241 | 18.9% | 6.63% |
| 20 | Mortgage Research CenterColumbia, MO | C | 492 | 1,069 | 17.2% | 5.99% |
| 21 | Nationstar MortgageCoppell, TX | C | 446 | 1,304 | 13.6% | 8.50% |
| 22 | University First Federal Credit UnionWest Jordan, UT | B | 437 | 1,634 | 20.1% | 4.99% |
| 23 | First Colony MortgageOrem, UT | A | 394 | 3,499 | 2.1% | 6.38% |
| 24 | Carrington Mortgage ServicesOrange, CA | D | 375 | 412 | 46.6% | 6.38% |
| 25 | American FinancingAurora, CO | D | 351 | 427 | 44.0% | 6.50% |
| 26 | Security Service Federal Credit UnionSan Antonio, TX | C | 341 | 870 | 21.4% | 6.99% |
| 27 | RanlifeSandy, UT | B | 338 | 1,050 | 1.2% | 6.38% |
| 28 | Canopy MortgageLindon, UT | B | 330 | 842 | 3.3% | 6.38% |
| 29 | U.S. BankCincinnati, OH | D | 329 | 1,436 | 29.6% | 6.99% |
| 30 | Securitynational MortgageSalt Lake City, UT | D | 311 | 2,466 | 4.7% | 6.75% |
| 31 | Village Capital & InvestmentHenderson, NV | C | 308 | 332 | 12.4% | 5.75% |
| 32 | PHH MortgageMount Laurel, NJ | C | 308 | 342 | 9.9% | 5.99% |
| 33 | Provident Funding AssociatesSanta Rosa, CA | A | 306 | 968 | 6.6% | 6.25% |
| 34 | Crosscountry MortgageCleveland, OH | B | 289 | 1,088 | 2.9% | 6.63% |
| 35 | Spring EqConshohocken, PA | D | 288 | 1,198 | 49.7% | 9.05% |
| 36 | GoodLeapRoseville, CA | C | 284 | 284 | 20.4% | 6.70% |
| 37 | Guaranteed RateChicago, IL | B | 259 | 703 | 8.7% | 6.50% |
| 38 | JPMorgan Chase BankColumbus, OH | B | 244 | 818 | 10.9% | 6.38% |
| 39 | Chartway Federal Credit UnionVirginia Beach, VA | B | 241 | 811 | 27.3% | 2.99% |
| 40 | Fairway Independent MortgageMadison, WI | B | 239 | 1,304 | 2.7% | 6.63% |
| 41 | Mutual of Omaha MortgageSan Diego, CA | C | 226 | 313 | 12.5% | 6.13% |
| 42 | The Federal Savings BankChicago, IL | C | 222 | 243 | 10.3% | 6.25% |
| 43 | Granite Federal Credit UnionMillcreek, UT | D | 209 | 454 | 16.5% | 6.13% |
| 44 | State Bank of Southern UtahCedar City, UT | A | 206 | 797 | 9.5% | 7.50% |
| 45 | Utah FirstSalt Lake City, UT | C | 203 | 1,595 | 28.9% | 7.50% |
| 46 | Sofi BankCottonwood Heights, UT | D | 200 | 663 | 9.1% | 7.67% |
| 47 | AMWEST FundingBrea, CA | C | 189 | 427 | 6.8% | 6.38% |
| 48 | Coastal Community BankEverett, WA | C | 187 | 1,129 | 1.9% | 9.99% |
| 49 | Sun American MortgageMesa, AZ | B | 175 | 535 | 1.7% | 6.49% |
| 50 | Longbridge FinancialMahwah, NJ | F | 174 | 254 | 7.5% | 6.00% |
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.
