Rate-and-term and cash-out refinance applications combined.
| # | Lender | Grade | Refinance applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket MortgagePlymouth, MI | C | 1,103 | 1,567 | 17.1% | 6.50% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 625 | 1,281 | 8.7% | 6.12% |
| 3 | Freedom MortgageBoca Raton, FL | B | 484 | 512 | 11.1% | 6.19% |
| 4 | NewrezWilmington, DE | D | 245 | 317 | 13.6% | 6.13% |
| 5 | Mortgage Research CenterColumbia, MO | C | 225 | 599 | 16.9% | 6.25% |
| 6 | Guild MortgageSan Diego, CA | A | 218 | 961 | 4.5% | 6.38% |
| 7 | AmeriSave MortgageSandy Springs, GA | D | 212 | 215 | 61.9% | 8.63% |
| 8 | Pennymac Loan ServicesWestlake Village, CA | C | 197 | 354 | 12.7% | 6.63% |
| 9 | Meridian Trust Federal Credit UnionCheyenne, WY | B | 173 | 525 | 18.3% | 6.50% |
| 10 | Uniwyo Federal Credit UnionLaramie, WY | C | 165 | 541 | 15.2% | 7.50% |
| 11 | New Day FinancialWest Palm Beach, FL | F | 149 | 158 | 24.7% | 6.87% |
| 12 | WyhyCheyenne, WY | B | 138 | 383 | 10.2% | 8.00% |
| 13 | Mutual of Omaha MortgageSan Diego, CA | C | 137 | 170 | 25.9% | 6.38% |
| 14 | First Interstate BankBillings, MT | D | 135 | 510 | 23.5% | 8.13% |
| 15 | Broker SolutionsTustin, CA | D | 130 | 226 | 8.9% | 6.88% |
| 16 | Carrington Mortgage ServicesOrange, CA | D | 118 | 128 | 40.6% | 6.25% |
| 17 | Lakeview Loan ServicingCoral Gables, FL | C | 115 | 140 | 26.4% | 6.13% |
| 18 | Glacier BankKalispell, MT | D | 111 | 856 | 15.9% | 6.95% |
| 19 | Fairway Independent MortgageMadison, WI | B | 111 | 1,106 | 4.2% | 6.49% |
| 20 | Loandepot.ComIrvine, CA | D | 110 | 221 | 22.2% | 6.99% |
| 21 | American FinancingAurora, CO | D | 91 | 122 | 26.2% | 6.50% |
| 22 | CMG MortgageSan Ramon, CA | A | 78 | 186 | 1.6% | 6.63% |
| 23 | Village Capital & InvestmentHenderson, NV | C | 71 | 74 | 18.9% | 5.75% |
| 24 | U.S. BankCincinnati, OH | D | 71 | 373 | 34.1% | 7.06% |
| 25 | Guaranteed RateChicago, IL | B | 64 | 222 | 4.1% | 6.38% |
| 26 | The Federal Savings BankChicago, IL | C | 63 | 70 | 8.6% | 6.75% |
| 27 | Nationstar MortgageCoppell, TX | C | 59 | 177 | 14.7% | 8.25% |
| 28 | Blue Federal Credit UnionCheyenne, WY | C | 55 | 318 | 13.2% | 6.99% |
| 29 | Crosscountry MortgageCleveland, OH | B | 54 | 305 | 3.6% | 6.24% |
| 30 | Jonah Bank of WyomingCasper, WY | A | 50 | 496 | 2.6% | 6.25% |
| 31 | Pinnacle Bank - WyomingCody, WY | C | 48 | 318 | 6.3% | — |
| 32 | First Education Federal Credit UnionCheyenne, WY | – | 46 | 47 | 2.1% | 6.38% |
| 33 | OriginPointChicago, IL | B | 46 | 124 | 4.8% | 6.75% |
| 34 | Centennial LendingFirestone, CO | D | 45 | 123 | 29.3% | 6.25% |
| 35 | Platte Valley BankTorrington, WY | B | 45 | 207 | 4.8% | — |
| 36 | Hilltop National BankCasper, WY | B | 42 | 263 | 3.4% | — |
| 37 | Kind LendingIrvine, CA | C | 41 | 200 | 19.0% | 6.50% |
| 38 | PHH MortgageMount Laurel, NJ | C | 40 | 44 | 2.3% | 5.99% |
| 39 | BMO BankChicago, IL | F | 40 | 218 | 31.7% | 8.67% |
| 40 | Plains Commerce BankSioux Falls, SD | B | 39 | 180 | 5.0% | 6.38% |
| 41 | Navy Federal Credit UnionVienna, VA | D | 36 | 220 | 20.0% | 6.25% |
| 42 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 35 | 301 | 1.0% | 6.38% |
| 43 | Wells Fargo BankCharlotte, NC | B | 34 | 114 | 18.4% | 6.25% |
| 44 | Equity Prime MortgageAtlanta, GA | D | 33 | 41 | 14.6% | 6.50% |
| 45 | ANB BankDenver, CO | C | 31 | 177 | 8.5% | 6.13% |
| 46 | Discover BankGreenwood, DE | F | 30 | 162 | 57.4% | 9.16% |
| 47 | LoanUnited.comDuluth, GA | C | 29 | 46 | 6.5% | 6.31% |
| 48 | NBH BankGreenwood Village, CO | C | 29 | 123 | 16.3% | 7.25% |
| 49 | LowerColumbia, MD | C | 28 | 39 | 20.5% | 6.19% |
| 50 | American Pacific MortgageRoseville, CA | C | 28 | 191 | 7.3% | 6.50% |
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.