Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Summit Credit UnionCottage Grove, WI | A | 5,824 | 15,483 | 13.8% | 6.75% |
| 2 | Rocket MortgagePlymouth, MI | C | 5,578 | 7,819 | 18.0% | 6.63% |
| 3 | University of Wisconsin Credit UnionMadison, WI | A | 4,305 | 11,781 | 13.8% | 6.50% |
| 4 | Landmark Credit UnionBrookfield, WI | A | 2,636 | 9,393 | 17.7% | 6.50% |
| 5 | United Shore Financial ServicesPlymouth, MI | B | 2,466 | 4,421 | 11.8% | 6.38% |
| 6 | Covantage Credit UnionAntigo, WI | B | 2,291 | 4,581 | 7.7% | 6.50% |
| 7 | NewrezWilmington, DE | D | 2,122 | 2,776 | 16.3% | 6.50% |
| 8 | Marine Credit UnionLa Crosse, WI | F | 2,038 | 2,450 | 34.1% | 8.73% |
| 9 | Freedom MortgageBoca Raton, FL | B | 1,944 | 2,068 | 9.1% | 6.25% |
| 10 | BMO BankChicago, IL | F | 1,836 | 5,202 | 25.3% | 8.23% |
| 11 | Associated BankGreen Bay, WI | B | 1,754 | 7,451 | 23.7% | 6.88% |
| 12 | Community FirstNeenah, WI | A | 1,750 | 4,368 | 6.9% | 5.49% |
| 13 | Educators Credit UnionMount Pleasant, WI | B | 1,545 | 4,930 | 24.3% | 6.95% |
| 14 | Pennymac Loan ServicesWestlake Village, CA | C | 1,521 | 2,298 | 12.7% | 6.38% |
| 15 | CAPITAL Credit UnionGreen Bay, WI | A | 1,401 | 2,892 | 6.5% | 6.25% |
| 16 | Mortgage Research CenterColumbia, MO | C | 1,329 | 3,213 | 15.8% | 6.25% |
| 17 | AmeriSave MortgageSandy Springs, GA | D | 1,171 | 1,208 | 61.3% | 8.25% |
| 18 | U.S. BankCincinnati, OH | D | 1,059 | 4,710 | 26.0% | 6.88% |
| 19 | Broker SolutionsTustin, CA | D | 977 | 1,720 | 10.9% | 6.88% |
| 20 | Guild MortgageSan Diego, CA | A | 797 | 2,875 | 4.0% | 6.63% |
| 21 | Loandepot.ComIrvine, CA | D | 761 | 1,672 | 24.4% | 6.99% |
| 22 | Johnson Financial GroupRacine, WI | A | 757 | 3,702 | 7.4% | 6.75% |
| 23 | Fairway Independent MortgageMadison, WI | B | 722 | 3,754 | 4.1% | 6.63% |
| 24 | Royal Credit UnionEau Claire, WI | B | 717 | 3,788 | 9.6% | 6.75% |
| 25 | New Day FinancialWest Palm Beach, FL | F | 677 | 718 | 24.9% | 6.99% |
| 26 | Carrington Mortgage ServicesOrange, CA | D | 607 | 633 | 41.2% | 6.63% |
| 27 | Bank FirstManitowoc, WI | A | 599 | 2,184 | 8.6% | 6.88% |
| 28 | JPMorgan Chase BankColumbus, OH | B | 586 | 2,051 | 10.2% | 6.49% |
| 29 | North Shore BankBrookfield, WI | C | 581 | 1,471 | 30.7% | 6.99% |
| 30 | WESTCONSIN Credit UnionMenomonie, WI | C | 575 | 1,967 | 13.0% | 7.50% |
| 31 | Nationstar MortgageCoppell, TX | C | 573 | 1,260 | 14.3% | 7.49% |
| 32 | Lakeview Loan ServicingCoral Gables, FL | C | 556 | 820 | 44.9% | 6.69% |
| 33 | FOX COMMUNITIES Credit UnionAppleton, WI | A | 511 | 3,040 | 3.9% | 6.49% |
| 34 | Nicolet National BankGreen Bay, WI | A | 500 | 2,608 | 4.0% | 7.25% |
| 35 | Crosscountry MortgageCleveland, OH | B | 475 | 1,553 | 4.8% | 6.75% |
| 36 | ALTRA Federal Credit UnionOnalaska, WI | B | 451 | 1,747 | 5.8% | 6.66% |
| 37 | Guaranteed RateChicago, IL | B | 449 | 1,797 | 5.4% | 6.53% |
| 38 | Bank Five NineOconomowoc, WI | A | 445 | 1,584 | 4.0% | 6.50% |
| 39 | Mutual of Omaha MortgageSan Diego, CA | C | 422 | 671 | 22.7% | 6.49% |
| 40 | National Exchange Bank and TrustFond Du Lac, WI | C | 418 | 1,150 | 10.8% | 6.75% |
| 41 | Barrington Bank & Trust CompanyBarrington, IL | C | 383 | 1,492 | 4.4% | 6.49% |
| 42 | Village Capital & InvestmentHenderson, NV | C | 378 | 387 | 19.1% | 5.75% |
| 43 | Ixonia BankIxonia, WI | C | 375 | 1,676 | 2.2% | 6.75% |
| 44 | Westby Co-op Credit UnionWestby, | B | 362 | 506 | 3.2% | 7.13% |
| 45 | Bell BankFargo, ND | A | 331 | 1,313 | 6.6% | 6.50% |
| 46 | First Colony MortgageOrem, UT | A | 322 | 1,235 | 4.4% | 6.50% |
| 47 | Unnamed lender 254900M2C4Q6DATP2889 | F | 319 | 319 | 21.3% | 6.13% |
| 48 | Blackhawk Community Credit UnionJanesville, WI | B | 319 | 774 | 9.8% | 7.50% |
| 49 | Kohler Credit UnionSheboygan, WI | B | 318 | 902 | 6.4% | 7.00% |
| 50 | Old National BankEvansville, IN | B | 318 | 1,241 | 18.3% | 6.13% |
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.
