Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 2,290 | 3,615 | 23.0% | 6.88% |
| 2 | AmeriSave MortgageSandy Springs, GA | D | 895 | 942 | 64.8% | 8.38% |
| 3 | City National Bank of West VirginiaCharleston, WV | C | 720 | 2,870 | 25.0% | 6.29% |
| 4 | Freedom MortgageBoca Raton, FL | B | 665 | 707 | 10.6% | 6.25% |
| 5 | Mortgage Research CenterColumbia, MO | C | 569 | 1,592 | 17.4% | 6.25% |
| 6 | The Huntington National BankColumbus, OH | D | 517 | 2,194 | 28.1% | 7.00% |
| 7 | United Shore Financial ServicesPlymouth, MI | B | 503 | 949 | 13.1% | 6.25% |
| 8 | Broker SolutionsTustin, CA | D | 490 | 953 | 10.0% | 6.99% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 489 | 762 | 16.5% | 6.12% |
| 10 | Truist BankCharlotte, NC | C | 462 | 1,776 | 31.1% | 6.63% |
| 11 | NewrezWilmington, DE | D | 433 | 538 | 18.8% | 6.38% |
| 12 | Loandepot.ComIrvine, CA | D | 390 | 1,624 | 18.7% | 6.58% |
| 13 | Carrington Mortgage ServicesOrange, CA | D | 257 | 276 | 46.4% | 6.63% |
| 14 | Peoples BankMarietta, OH | C | 215 | 707 | 22.4% | 7.24% |
| 15 | Crosscountry MortgageCleveland, OH | B | 190 | 1,140 | 4.0% | 6.58% |
| 16 | WesBanco BankWheeling, | B | 184 | 1,475 | 16.7% | 6.01% |
| 17 | Lakeview Loan ServicingCoral Gables, FL | C | 153 | 238 | 33.2% | 6.63% |
| 18 | Navy Federal Credit UnionVienna, VA | D | 149 | 1,048 | 19.2% | 7.00% |
| 19 | Village Capital & InvestmentHenderson, NV | C | 145 | 149 | 11.4% | 5.75% |
| 20 | Nationstar MortgageCoppell, TX | C | 130 | 330 | 13.9% | 7.00% |
| 21 | Royal United MortgageIndianapolis, IN | F | 128 | 131 | 23.7% | 7.00% |
| 22 | JPMorgan Chase BankColumbus, OH | B | 122 | 502 | 13.8% | 6.75% |
| 23 | American FinancingAurora, CO | D | 114 | 127 | 52.0% | 6.38% |
| 24 | First Community BankBluefield, VA | F | 113 | 482 | 25.7% | 7.25% |
| 25 | Movement MortgageLancaster, SC | A | 113 | 1,167 | 5.4% | 6.63% |
| 26 | The Federal Savings BankChicago, IL | C | 109 | 146 | 6.9% | 6.63% |
| 27 | West Virginia CentralParkersburg, WV | C | 102 | 132 | 11.4% | — |
| 28 | Fifth Third BankCincinnati, OH | D | 102 | 340 | 31.2% | 7.88% |
| 29 | United BankVienna, VA | C | 99 | 540 | 22.8% | 6.90% |
| 30 | Huntington Federal Savings BankHuntington, WV | C | 88 | 239 | 7.5% | — |
| 31 | FairmontFairmont, WV | C | 85 | 370 | 28.1% | 5.38% |
| 32 | Bayer Heritage Credit UnionNew Martinsville, WV | B | 74 | 311 | 15.1% | 6.00% |
| 33 | Guaranteed RateChicago, IL | B | 74 | 492 | 5.9% | 6.69% |
| 34 | Equity Prime MortgageAtlanta, GA | D | 73 | 173 | 5.2% | 6.50% |
| 35 | Constructive LoansTampa, FL | C | 70 | 70 | 1.4% | 7.50% |
| 36 | The Poca Valley BankWalton, WV | C | 70 | 379 | 10.6% | — |
| 37 | Clear Mountain BankBruceton Mills, WV | B | 69 | 464 | 5.8% | 6.38% |
| 38 | Putnam County BankHurricane, WV | C | 68 | 196 | 11.2% | — |
| 39 | Planet Home LendingMeriden, CT | B | 67 | 101 | 20.8% | 5.99% |
| 40 | LowerColumbia, MD | C | 67 | 106 | 16.0% | 6.63% |
| 41 | Discover BankGreenwood, DE | F | 65 | 340 | 54.7% | 8.93% |
| 42 | PNC BankWilmington, DE | D | 63 | 398 | 21.6% | 6.88% |
| 43 | Pioneer Appalachia Federal Credit UnionCharleston, WV | – | 61 | 86 | 10.5% | — |
| 44 | Burke & Herbert Bank & TrustAlexandria, VA | C | 60 | 278 | 11.2% | 7.50% |
| 45 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 56 | 62 | 17.7% | 6.38% |
| 46 | Sofi BankCottonwood Heights, UT | D | 56 | 237 | 10.6% | 7.99% |
| 47 | Integrity Home MortgageWinchester, VA | B | 54 | 614 | 4.4% | 6.50% |
| 48 | Texana BankLinden, TX | C | 53 | 54 | 7.4% | 5.38% |
| 49 | West Virginia Federal Credit UnionSouth Charleston, WV | – | 51 | 66 | 7.6% | 5.74% |
| 50 | Wells Fargo BankCharlotte, NC | B | 51 | 145 | 20.0% | 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.
