Metro dataLast checked September 23, 2026

HELOC denials and rates by metro area, 2025

Every U.S. metro area with at least 300 HELOC decisions in 2025: 358 in all, highest denial rate first. National rate: 32.9%.

Metro areaDecisionsDeniedMedian HELOC rate
McAllen-Edinburg-Mission, TX46458.0%8.25%
El Paso, TX63154.2%9.62%
Houston-Pasadena-The Woodlands, TX10,73353.1%7.5%
Killeen-Temple, TX51949.5%8.24%
Austin-Round Rock-San Marcos, TX3,97947.4%7.5%
Ocala, FL1,90947.2%7.74%
Fort Worth-Arlington-Grapevine, TX4,53847.2%7.75%
Washington, DC-MD8,46846.5%8.0%
Kahului-Wailuku, HI85746.2%5.87%
Miami-Miami Beach-Kendall, FL11,28845.3%7.75%
Lakeland-Winter Haven, FL2,81945.3%7.71%
Dalton, GA44845.3%7.7%
Fort Lauderdale-Pompano Beach-Sunrise, FL10,26545.2%7.65%
New York-Jersey City-White Plains, NY-NJ25,80845.1%7.69%
Dallas-Plano-Irving, TX11,86844.7%7.75%
Rocky Mount, NC63144.4%6.85%
San Antonio-New Braunfels, TX3,50744.3%7.0%
Nassau County-Suffolk County, NY19,26344.0%6.99%
Charleston, WV40343.7%8.0%
Tyler, TX31243.3%7.5%
Yakima, WA86243.3%8.24%
West Palm Beach-Boca Raton-Delray Beach, FL8,40642.7%7.75%
Port St. Lucie, FL2,97242.6%7.99%
Florence, SC32042.5%7.55%
Urban Honolulu, HI5,10242.4%5.9%
Deltona-Daytona Beach-Ormond Beach, FL3,67942.3%7.75%
Fresno, CA4,47842.2%8.0%
Sebring, FL30842.2%7.5%
Las Vegas-Henderson-North Las Vegas, NV9,88041.9%7.99%
Visalia, CA1,33341.8%8.49%
Salisbury, MD57041.8%7.5%
Augusta-Richmond County, GA-SC1,66141.5%7.85%
Orlando-Kissimmee-Sanford, FL13,77141.4%7.85%
Gulfport-Biloxi, MS1,48141.2%7.5%
Fayetteville, NC1,32341.1%7.89%
Gainesville, FL1,14241.0%7.5%
Atlanta-Sandy Springs-Roswell, GA24,98340.9%7.75%
Sebastian-Vero Beach-West Vero Corridor, FL86540.7%7.75%
New Orleans-Metairie, LA1,77540.6%7.72%
Philadelphia, PA9,33939.8%7.25%
Myrtle Beach-Conway-North Myrtle Beach, SC1,55639.8%7.6%
Memphis, TN-MS-AR4,58339.7%7.49%
Jacksonville, FL7,27539.6%7.99%
Modesto, CA1,89239.5%8.5%
Dover, DE99539.5%7.65%
Vineland, NJ40739.3%8.5%
Hot Springs, AR38539.2%7.75%
Glens Falls, NY53638.8%6.0%
Macon-Bibb County, GA82738.7%7.75%
Huntington-Ashland, WV-KY-OH98138.7%7.65%
Greensboro-High Point, NC4,50938.5%6.99%
Stockton-Lodi, CA3,34238.3%8.38%
Baltimore-Columbia-Towson, MD16,25238.3%7.5%
Altoona, PA39038.2%6.74%
Hanford-Corcoran, CA32138.0%8.3%
Brunswick-St. Simons, GA35538.0%7.75%
Panama City-Panama City Beach, FL67137.9%7.55%
Wenatchee-East Wenatchee, WA75437.9%8.0%
Salinas, CA1,29837.8%8.05%
Naples-Marco Island, FL2,46937.8%7.5%
Hagerstown-Martinsburg, MD-WV1,52037.8%7.5%
Kennewick-Richland, WA1,49537.5%8.0%
Chicago-Naperville-Schaumburg, IL30,06237.3%8.09%
Kingston, NY79637.3%6.75%
Merced, CA69737.2%8.38%
Gainesville, GA1,01037.2%7.5%
Yuba City, CA74637.0%8.38%
Atlantic City-Hammonton, NJ2,23237.0%7.63%
Goldsboro, NC53037.0%6.75%
Punta Gorda, FL1,09436.9%7.5%
Savannah, GA1,87536.9%7.75%
Burlington, NC1,29236.9%7.0%
Springfield, OH83936.6%7.88%
Rockford, IL1,42936.5%8.0%
Chico, CA76336.4%8.0%
Tampa, FL12,72736.4%7.5%
Cape Coral-Fort Myers, FL4,25436.4%7.5%
Spartanburg, SC1,44536.4%7.75%
St. Petersburg-Clearwater-Largo, FL5,24236.3%7.5%
Los Angeles-Long Beach-Glendale, CA34,31536.2%7.75%
Grants Pass, OR32036.2%8.0%
Morgantown, WV30436.2%8.2%
Yuma, AZ76436.0%8.8%
North Port-Bradenton-Sarasota, FL5,15736.0%7.5%
Frederick-Gaithersburg-Bethesda, MD8,06936.0%7.34%
Lafayette, LA57135.9%8.26%
Jacksonville, NC77935.9%8.74%
Columbus, GA-AL74435.8%8.49%
Anchorage, AK1,04735.8%8.5%
Homosassa Springs, FL86235.8%7.5%
Reno, NV2,26435.8%8.2%
Kiryas Joel-Poughkeepsie-Newburgh, NY3,81335.8%5.99%
Crestview-Fort Walton Beach-Destin, FL1,27435.6%7.5%
Cleveland, TN54835.6%7.65%
Prescott Valley-Prescott, AZ1,44935.5%7.75%
Riverside-San Bernardino-Ontario, CA20,52135.4%8.12%
Pensacola-Ferry Pass-Brent, FL1,87435.3%8.25%
Johnstown, PA39735.3%6.24%
Rapid City, SD47335.3%8.0%
Boston, MA12,63735.2%7.0%
Las Cruces, NM32735.2%8.75%
Santa Fe, NM45335.1%7.75%
Mobile, AL1,59335.0%7.5%
Vallejo, CA2,03134.8%8.4%
Hilton Head Island-Bluffton-Port Royal, SC1,44834.8%7.5%
San Luis Obispo-Paso Robles, CA1,39534.7%7.6%
Palm Bay-Melbourne-Titusville, FL3,47934.7%7.25%
Hattiesburg, MS54834.7%7.5%
Weirton-Steubenville, WV-OH36034.7%7.2%
Charleston-North Charleston, SC4,42334.7%7.5%
Marietta, GA8,26434.6%7.75%
Asheville, NC2,43734.5%6.99%
New Haven, CT2,45734.4%7.5%
Detroit-Dearborn-Livonia, MI7,01334.3%7.75%
Saginaw, MI48334.2%7.99%
Newark, NJ12,38134.2%7.5%
Tacoma-Lakewood, WA6,37734.2%7.74%
Athens-Clarke County, GA90134.1%7.5%
Providence-Warwick, RI-MA13,59634.0%7.15%
Sierra Vista-Douglas, AZ33633.9%8.5%
Fort Smith, AR-OK69333.9%7.75%
Utica-Rome, NY88433.9%5.99%
Charlotte-Concord-Gastonia, NC-SC20,58733.9%7.25%
Charlottesville, VA86733.9%7.5%
Springfield, MA1,93933.8%7.25%
Bakersfield-Delano, CA2,87133.7%8.7%
Hickory-Lenoir-Morganton, NC2,13933.7%6.75%
Columbia, SC2,94633.7%7.0%
Medford, OR77033.6%8.25%
Greenville-Anderson-Greer, SC4,26533.5%7.35%
Warner Robins, GA92533.4%8.2%
Terre Haute, IN69833.4%7.4%
Slidell-Mandeville-Covington, LA93833.3%7.99%
Lubbock, TX32733.3%7.5%
Oakland-Fremont-Berkeley, CA12,03933.2%8.0%
Santa Maria-Santa Barbara, CA1,35233.2%8.0%
Lexington Park, MD1,25633.2%8.0%
York-Hanover, PA3,60733.2%5.99%
Mount Vernon-Anacortes, WA85533.2%7.74%
Wildwood-The Villages, FL61133.1%7.5%
Little Rock-North Little Rock-Conway, AR2,73733.0%7.78%
San Jose-Sunnyvale-Santa Clara, CA6,59633.0%7.5%
Chattanooga, TN-GA2,71733.0%7.75%
Clarksville, TN-KY1,30833.0%7.75%
Camden, NJ8,66933.0%7.54%
San Francisco-San Mateo-Redwood City, CA4,07332.9%7.75%
Redding, CA1,01432.9%8.49%
Waterbury-Shelton, CT2,04932.9%7.5%
Lakewood-New Brunswick, NJ16,50032.9%7.5%
Lake Havasu City-Kingman, AZ79632.8%8.35%
Napa, CA60632.8%8.25%
Winston-Salem, NC4,52732.6%6.75%
Greenville, NC91732.6%6.75%
Youngstown-Warren, OH2,72332.6%7.89%
St. George, UT1,78232.6%7.5%
Cleveland, OH15,53132.5%7.89%
Reading, PA2,63132.5%6.75%
Denver-Aurora-Centennial, CO22,61432.4%7.99%
Wilmington, DE-MD-NJ4,28032.4%7.5%
Baton Rouge, LA1,50432.4%7.73%
Allentown-Bethlehem-Easton, PA-NJ4,35232.4%7.65%
Wilmington, NC4,06332.4%6.99%
Arlington-Alexandria-Reston, VA-WV19,09432.4%7.74%
Nashville-Davidson--Murfreesboro--Franklin, TN12,98232.3%7.5%
Lynchburg, VA91232.3%7.5%
Daphne-Fairhope-Foley, AL1,41232.2%7.65%
Buffalo-Cheektowaga, NY5,22532.2%6.49%
Sacramento-Roseville-Folsom, CA12,54932.1%8.0%
Michigan City-La Porte, IN71032.1%7.75%
Flint, MI1,44232.1%8.0%
Dayton-Kettering-Beavercreek, OH4,60332.1%8.0%
Elgin, IL4,69132.0%8.0%
Lake County, IL3,87431.9%7.75%
Shreveport-Bossier City, LA68031.9%7.5%
San Diego-Chula Vista-Carlsbad, CA16,27831.7%7.75%
Spokane-Spokane Valley, WA4,17031.7%7.75%
Mansfield, OH55431.6%7.52%
Flagstaff, AZ55031.5%7.5%
Bridgeport-Stamford-Danbury, CT5,75231.5%7.34%
Jackson, MI58531.5%7.99%
Winchester, VA-WV60631.5%7.79%
Jonesboro, AR32531.4%7.75%
Topeka, KS67931.4%8.0%
Jackson, MS2,40131.4%7.5%
Jackson, TN77131.4%6.49%
Santa Cruz-Watsonville, CA96231.3%8.0%
Greeley, CO2,79131.3%8.0%
Tallahassee, FL1,03631.3%7.5%
Seattle-Bellevue-Kent, WA12,59831.3%7.24%
Battle Creek, MI51931.2%7.59%
Raleigh-Cary, NC12,09531.2%6.99%
Bremerton-Silverdale-Port Orchard, WA1,50331.2%7.75%
Everett, WA6,74931.2%7.24%
Gadsden, AL31831.1%7.75%
St. Louis, MO-IL12,33531.1%7.5%
Hartford-West Hartford-East Hartford, CT5,89431.0%7.24%
San Rafael, CA1,40530.9%8.0%
Trenton-Princeton, NJ1,73730.9%7.65%
Tucson, AZ4,97330.8%8.25%
Oklahoma City, OK3,75430.8%7.75%
Cambridge-Newton-Framingham, MA15,07930.5%7.0%
Columbus, OH16,80630.5%7.69%
Kenosha, WI1,26830.5%7.5%
Twin Falls, ID76230.4%7.75%
Albuquerque, NM2,93730.4%8.0%
Roanoke, VA1,60030.4%7.28%
Bozeman, MT49530.3%7.75%
Albany-Schenectady-Troy, NY6,20930.3%6.25%
Sandusky, OH66730.3%7.9%
Kokomo, IN45130.2%7.5%
Durham-Chapel Hill, NC3,75030.2%6.75%
Virginia Beach-Chesapeake-Norfolk, VA-NC11,05530.2%7.6%
Worcester, MA4,06330.1%7.25%
Phoenix-Mesa-Chandler, AZ33,54630.0%7.5%
Pueblo, CO1,00930.0%8.24%
Salt Lake City-Murray, UT10,35030.0%7.0%
Richmond, VA6,53330.0%7.5%
Lake County-Porter County-Jasper County, IN4,05129.8%8.39%
Olympia-Lacey-Tumwater, WA2,01129.8%7.75%
Norwich-New London-Willimantic, CT1,37829.7%7.25%
Barnstable Town, MA2,59229.7%7.5%
Amarillo, TX55529.7%7.5%
Oxnard-Thousand Oaks-Ventura, CA4,13129.6%7.75%
Kansas City, MO-KS11,05029.6%6.99%
Grand Junction, CO1,17129.5%8.0%
Warren-Troy-Farmington Hills, MI16,79729.3%7.74%
Tulsa, OK3,32229.3%7.75%
Harrisburg-Carlisle, PA4,01929.3%5.99%
Monroe, MI1,01329.2%7.75%
Blacksburg-Christiansburg-Radford, VA61429.2%7.5%
Bellingham, WA1,39529.2%7.25%
Tuscaloosa, AL68429.1%7.5%
Birmingham, AL6,17329.1%6.19%
Provo-Orem-Lehi, UT6,25529.1%7.24%
Auburn-Opelika, AL74429.0%7.25%
Anaheim-Santa Ana-Irvine, CA16,24329.0%7.25%
Wheeling, WV-OH37728.9%7.29%
Lancaster, PA4,19228.9%5.99%
Erie, PA96628.9%7.24%
Champaign-Urbana, IL46628.8%8.0%
Cincinnati, OH-KY-IN16,81328.7%7.75%
Akron, OH4,92328.6%7.99%
Montgomery, AL1,51028.5%6.49%
Decatur, AL63428.5%8.12%
Pinehurst-Southern Pines, NC67128.5%7.25%
Fayetteville-Springdale-Rogers, AR3,18228.4%7.75%
Scranton--Wilkes-Barre, PA2,44828.4%7.38%
Wichita, KS2,46828.3%7.75%
Gettysburg, PA80128.3%7.25%
Coeur d'Alene, ID1,71528.2%7.75%
Indianapolis-Carmel-Greenwood, IN13,84728.2%7.75%
Manchester-Nashua, NH3,23028.2%7.4%
Binghamton, NY97828.2%7.25%
Rockingham County-Strafford County, NH3,83928.1%7.4%
Huntsville, AL3,43528.0%8.12%
Johnson City, TN83327.9%7.62%
Racine-Mount Pleasant, WI1,64527.9%7.0%
Dothan, AL56227.8%7.49%
Springfield, MO1,79727.8%7.5%
Toledo, OH3,57627.8%8.19%
Minneapolis-St. Paul-Bloomington, MN-WI18,65927.7%7.5%
Lebanon, PA70327.6%6.49%
Santa Rosa-Petaluma, CA2,13627.5%8.25%
South Bend-Mishawaka, IN-MI2,37727.5%7.5%
Columbia, MO55327.5%5.75%
Longview-Kelso, WA87927.5%7.88%
Eugene-Springfield, OR2,66027.3%7.5%
Boise City, ID6,93127.2%7.5%
Lexington-Fayette, KY3,66227.2%7.5%
Niles, MI1,13027.2%7.75%
Joplin, MO-KS58027.1%8.0%
Lansing-East Lansing, MI2,58927.1%7.75%
Montgomery County-Bucks County-Chester County, PA16,60927.0%7.0%
St. Cloud, MN50526.9%7.5%
Portland-Vancouver-Hillsboro, OR-WA17,68926.9%7.5%
Pittsfield, MA65226.7%6.0%
Lawrence, KS30426.6%8.0%
Muskegon-Norton Shores, MI97626.5%7.75%
Muncie, IN47326.4%7.5%
Lima, OH67326.4%7.24%
Boulder, CO1,94226.3%7.74%
Jefferson City, MO43326.3%5.49%
Billings, MT87926.3%7.5%
Canton-Massillon, OH2,58626.3%8.04%
Cheyenne, WY50926.3%7.5%
Knoxville, TN5,32526.2%7.25%
Kingsport-Bristol, TN-VA1,06126.2%7.62%
Colorado Springs, CO6,35226.1%8.0%
Idaho Falls, ID1,29726.1%7.25%
Louisville/Jefferson County, KY-IN8,88426.1%7.5%
Pittsburgh, PA14,32126.1%7.4%
Bowling Green, KY78026.0%7.5%
Albany, OR66925.9%7.5%
Chambersburg, PA1,14325.9%5.75%
Salem, OR2,64225.8%7.74%
Helena, MT42825.7%7.9%
Missoula, MT48925.6%7.75%
Syracuse, NY3,19925.6%7.25%
Bangor, ME73725.4%7.5%
Lewiston-Auburn, ME31625.3%7.5%
Logan, UT-ID1,03025.2%7.5%
Lafayette-West Lafayette, IN1,31025.2%7.25%
Duluth, MN-WI75825.2%7.5%
Casper, WY30925.2%8.25%
Portland-South Portland, ME3,58225.1%7.4%
Fort Collins-Loveland, CO2,57924.9%7.89%
Bloomington, IN63824.9%7.5%
Milwaukee-Waukesha, WI13,82324.9%7.0%
Traverse City, MI1,15424.8%7.59%
Davenport-Moline-Rock Island, IA-IL94924.4%7.5%
Omaha, NE-IA5,21024.2%7.0%
Kalamazoo-Portage, MI1,87024.2%7.35%
Bloomington, IL63224.1%7.75%
Elkhart-Goshen, IN1,50124.0%7.5%
Harrisonburg, VA61423.8%7.5%
Owensboro, KY50323.7%7.5%
Bend, OR2,41323.7%7.75%
Peoria, IL1,53623.0%7.75%
Fort Wayne, IN2,52122.9%7.71%
Morristown, TN59322.9%6.74%
Pocatello, ID59922.7%7.5%
Elizabethtown, KY51022.5%7.5%
Amherst Town-Northampton, MA56522.5%6.25%
Rochester, MN69222.5%7.5%
Rochester, NY7,35622.5%6.99%
Ann Arbor, MI1,84022.1%7.5%
Lincoln, NE90422.1%7.62%
Grand Rapids-Wyoming-Kentwood, MI8,38121.9%7.5%
Sioux Falls, SD-MN82121.7%8.0%
Lewiston, ID-WA30121.6%7.75%
Ogden, UT6,09421.2%7.24%
Ames, IA35521.1%7.5%
Evansville, IN1,11921.0%7.5%
Williamsport, PA60720.8%5.99%
Springfield, IL71320.6%7.25%
State College, PA58720.6%7.15%
Janesville-Beloit, WI1,77820.4%7.5%
Oshkosh-Neenah, WI75620.4%7.5%
Florence-Muscle Shoals, AL62920.0%6.25%
Fond du Lac, WI59620.0%7.5%
Corvallis, OR40319.9%7.5%
Fargo, ND-MN85119.5%7.75%
Des Moines-West Des Moines, IA4,25418.7%6.99%
Green Bay, WI1,91818.7%7.5%
Sheboygan, WI68618.5%7.5%
Columbus, IN62518.4%5.99%
Burlington-South Burlington, VT1,28418.4%7.0%
Staunton-Stuarts Draft, VA1,13717.3%7.5%
Appleton, WI96617.0%7.5%
Cedar Rapids, IA1,41515.9%7.25%
Dubuque, IA83515.9%7.0%
Eau Claire, WI1,11215.9%7.5%
Madison, WI8,75715.4%7.0%
Waterloo-Cedar Falls, IA1,06114.6%6.99%
Iowa City, IA1,12314.5%7.25%
Bismarck, ND43913.7%7.75%
La Crosse-Onalaska, WI-MN79513.5%6.49%
Wausau, WI87813.3%7.25%

Source: 2025 HMDA data, our analysis. Free to use with attribution (CC BY 4.0).

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