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The #1 Site to Grade Mortgage Lenders. No Paid Rankings, Sponsors, or Spin

Real approval odds, real rates and every denial reason, for 4,910 lenders, from their own federal filings.

Find Your Lender's Grade How grading works

Every Major Mortgage Lender, Graded*

B United Shore Financial Services C Rocket Mortgage B JPMorgan Chase Bank B Crosscountry Mortgage B Wells Fargo Bank F Bank of America C Pennymac Loan Services D U.S. Bank

*Grades are computed from each lender's Home Mortgage Disclosure Act filing for 2025. No lender is involved in, or can pay for, its grade.

Featuring 11.8M Mortgage Applications Analyzed

The highest-graded lenders with at least 1,000 originations in 2025.

2025 filingTop 1

Clm Mortgage

0.9% denied 5.63% median rate 4.3k applications
A Grade A · Houston, TX
2025 filingTop 2

Priority Home Mortgage

0.3% denied 5.63% median rate 1.5k applications
A Grade A · Austin, TX
2025 filingTop 3

First State Bank of St. Charles, Missouri

0.0% denied 6.50% median rate 2.4k applications
A Grade A · St. Charles, MO
2025 filingTop 4

Sirva Mortgage

2.2% denied 6.63% median rate 1.7k applications
A Grade A · Seven Hills, OH
2025 filingTop 5

Unnamed lender 254900YZ174H294JW398

2.8% denied 6.13% median rate 3.6k applications
A Grade A · United States
2025 filingTop 6

Morgan Stanley Private Bank

4.9% denied 5.90% median rate 14k applications
A Grade A · New York, NY
See All Top-Rated Lenders

What the Data Says

18.0%denied
11,766,671 ApplicationsActed on by U.S. lenders in 2025

"The most common reason for a denial was debt-to-income ratio, cited on 32.7% of denials."

— Why mortgages get denied

"Among large lenders, A & N Mortgage Services said no least often: 0.0% of decided applications."

— Best approval odds

"United Shore Financial Services originated $164B in 2025, the most of any lender, with a denial rate of 12.1%."

— Largest lenders

How MortgageGrades is Different

  • Real approval odds, not marketingThe share of applications each lender actually approved, with withdrawals stripped out so the figure reflects the lender, not the applicant.
  • Rates borrowers really receivedMedian interest rate and spread over the prime offer rate on loans that closed, straight from the lender's own filing. No teaser rates.
  • Every denial reason, countedFederal law requires a reason on every denial. See which lenders say no for credit, for debt-to-income, for collateral, and how often.
  • No lender can buy a gradeNo featured placement, no sponsored ranking, no paid badge. The full method is public and reproducible.
See the Methodology

Built On*

CFPBHome Mortgage Disclosure Act FFIECHMDA data browser GLEIFLegal Entity Identifiers U.S. CensusCounty geography

*Public federal data sources. No agency endorses or reviews the grades on this site.

Featuring 4,910 Lenders Across 2,392 Counties

Best Approval Odds Lowest Real Rates Top FHA Lenders Top VA Lenders
Alabama Alaska Arizona Arkansas California Colorado Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Every Lender in America Is Required to Report. We Read the Filing So You Don't Have To.

11,766,671 applications, 4,910 lenders, one grade each. Compare any two side by side before you apply.

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The U.S. Mortgage Market, 2023–2025

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202310,062,6365,710,39920.2%6.88%$195,000
202410,781,9926,197,08519.5%6.88%$205,000
202511,766,6716,827,89118.0%6.63%$225,000