Lenders with the highest composite grade: approval odds, pricing, process and closing costs, each ranked against peers of the same kind and size.
| # | Lender | Grade | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Freedom Northwest Credit UnionKamiah, ID | A | 96.5 score | 504 | 0.0% | — |
| 2 | First Federal Savings and Loan Association of ValdostaValdosta, GA | A | 96.5 score | 150 | 0.0% | — |
| 3 | Westside State BankWestside, IA | A | 96.5 score | 131 | 0.0% | — |
| 4 | Cincinnati Ohio PoliceCincinnati, OH | A | 96.5 score | 129 | 0.0% | — |
| 5 | CenturyFirst Federal Credit UnionHattiesburg, MS | A | 96.5 score | 125 | 0.0% | — |
| 6 | Governmental Employees Credit UnionLa Crosse, WI | A | 96.5 score | 106 | 0.0% | — |
| 7 | KodabankDrayton, ND | A | 96.5 score | 100 | 0.0% | — |
| 8 | Citizens Bank & TrustTrenton, GA | A | 96.3 score | 132 | 0.0% | — |
| 9 | Thomasville National BankThomasville, GA | A | 95.8 score | 288 | 0.4% | — |
| 10 | Premier Bank of the SouthCullman, AL | A | 95.8 score | 144 | 0.7% | — |
| 11 | Vermillion State BankVermillion, MN | A | 95.5 score | 129 | 0.0% | — |
| 12 | First Trust and Savings BankWheatland, IA | A | 95.5 score | 122 | 0.0% | — |
| 13 | Goodfield State BankGoodfield, IL | A | 95.0 score | 267 | 0.8% | — |
| 14 | Val-Chris InvestmentsIrvine, CA | A | 94.8 score | 801 | 0.0% | 12.99% |
| 15 | Planters BankHopkinsville, KY | A | 94.3 score | 350 | 0.9% | — |
| 16 | Traditions BankCullman, AL | A | 94.3 score | 245 | 0.8% | — |
| 17 | Bank of O'FallonO'Fallon, IL | A | 94.3 score | 115 | 0.9% | — |
| 18 | Harbor Pointe Credit UnionDuluth, MN | A | 94.3 score | 106 | 0.9% | — |
| 19 | Minnesota National BankSauk Centre, MN | A | 94.3 score | 106 | 0.9% | — |
| 20 | American Community Bank of IndianaSaint John, IN | A | 94.3 score | 105 | 0.0% | — |
| 21 | Security State BankSutherland, IA | A | 94.0 score | 111 | 0.9% | — |
| 22 | Clm MortgageHouston, TX | A | 94.0 score | 4,334 | 0.9% | 5.63% |
| 23 | Bath State BankBath, IN | A | 93.8 score | 109 | 0.9% | — |
| 24 | Elizabethton Federal Savings BankElizabethton, TN | A | 93.5 score | 139 | 0.7% | — |
| 25 | BankVistaSartell, MN | A | 93.5 score | 133 | 0.0% | — |
| 26 | First Citizens BankLuverne, AL | A | 93.5 score | 105 | 1.0% | — |
| 27 | Citizens Bank & Trust Company of Vivian, LouisianaVivian, LA | A | 93.3 score | 322 | 0.3% | — |
| 28 | Mount Vernon Bank and TrustMount Vernon, IA | A | 93.3 score | 138 | 0.7% | — |
| 29 | Bank of Gibson CityGibson City, IL | A | 93.3 score | 131 | 0.8% | — |
| 30 | Firstbank of NebraskaWahoo, NE | A | 93.3 score | 130 | 0.8% | — |
| 31 | Acadia Federal Credit UnionFort Kent, ME | A | 93.0 score | 237 | 0.8% | 7.75% |
| 32 | Slovenian Savings and Loan Association of CanonsburgStrabane, PA | A | 93.0 score | 197 | 0.5% | — |
| 33 | Security BankNewbern, TN | A | 93.0 score | 113 | 0.0% | — |
| 34 | Knoxville Teachers Federal Credit UnionKnoxville, TN | A | 92.9 score | 199 | 0.5% | 6.65% |
| 35 | Union BankMena, AR | A | 92.8 score | 454 | 1.3% | — |
| 36 | Georgia Community BankDawson, GA | A | 92.8 score | 372 | 1.3% | — |
| 37 | Bank of Edmonson CountyBrownsville, KY | A | 92.8 score | 142 | 0.7% | — |
| 38 | SEBASTICOOK VALLEY Federal Credit UnionPittsfield, ME | A | 92.8 score | 141 | 1.4% | — |
| 39 | N.e.w. Credit UnionOconto Falls, WI | A | 92.3 score | 178 | 1.7% | 5.49% |
| 40 | First Federal Savings Bank of Champaign UrbanaChampaign, IL | A | 92.3 score | 115 | 0.9% | — |
| 41 | The Bank of ForestForest, MS | A | 92.3 score | 111 | 0.9% | — |
| 42 | IDB Global Federal Credit UnionWashington, DC | A | 92.1 score | 118 | 0.9% | 5.63% |
| 43 | Selfreliance Federal Credit UnionChicago, IL | A | 92.0 score | 256 | 0.4% | — |
| 44 | Peoples BankLubbock, TX | A | 92.0 score | 205 | 1.5% | — |
| 45 | Homeland MortgageWestmont, IL | A | 91.8 score | 300 | 0.0% | 6.13% |
| 46 | First State Bank SouthwestWorthington, MN | A | 91.5 score | 135 | 0.7% | — |
| 47 | New Millennium BankFort Lee, NJ | A | 91.3 score | 109 | 0.0% | — |
| 48 | Pinnacle MortgageBluffton, SC | A | 90.8 score | 256 | 0.0% | 6.49% |
| 49 | The North Salem State BankNorth Salem, IN | A | 90.8 score | 213 | 1.9% | — |
| 50 | Mifflinburg Bank and TrustMifflinburg, PA | A | 90.8 score | 173 | 1.7% | — |
| 51 | Day-Met Credit UnionDayton, OH | A | 90.7 score | 103 | 0.0% | 6.38% |
| 52 | Priority Home MortgageAustin, TX | A | 90.7 score | 1,453 | 0.3% | 5.63% |
| 53 | AaxyAustin, TX | A | 90.6 score | 221 | 0.0% | 6.13% |
| 54 | Jnc Mortgage CompanyEl Paso, TX | A | 90.6 score | 175 | 0.0% | 5.38% |
| 55 | The First National Bank of HutchinsonHutchinson, KS | A | 90.5 score | 263 | 1.5% | — |
| 56 | Oostburg State BankOostburg, WI | A | 90.5 score | 185 | 1.1% | — |
| 57 | Farmers National BankProphetstown, IL | A | 90.5 score | 108 | 0.9% | — |
| 58 | Old Dominion National BankTysons Corner, VA | A | 90.3 score | 148 | 0.0% | 6.25% |
| 59 | First State Bank of St. Charles, MissouriSt. Charles, MO | A | 90.2 score | 2,415 | 0.0% | 6.50% |
| 60 | Sirva MortgageSeven Hills, OH | A | 90.0 score | 1,746 | 2.2% | 6.63% |
| 61 | Manufacturers Bank & TrustForest City, IA | A | 90.0 score | 257 | 1.2% | — |
| 62 | BLC Community BankLittle Chute, WI | A | 90.0 score | 122 | 1.6% | — |
| 63 | First Federal Community Bank of BucyrusBucyrus, OH | A | 89.8 score | 173 | 1.2% | — |
| 64 | The First National Bank Of BangorBangor, WI | A | 89.8 score | 132 | 2.3% | — |
| 65 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 14,182 | 4.1% | 5.90% |
| 66 | The Bank of South CarolinaCharleston, SC | A | 89.0 score | 154 | 0.0% | — |
| 67 | Citizens Deposit Bank of ArlingtonArlington, KY | A | 89.0 score | 129 | 2.3% | — |
| 68 | Garden Plain State BankWichita, KS | A | 89.0 score | 124 | 2.4% | — |
| 69 | The Fisher National BankFisher, | A | 88.8 score | 349 | 2.3% | — |
| 70 | First National Bank of PanaPana, IL | A | 88.8 score | 204 | 2.0% | — |
| 71 | Wolf River Community BankHortonville, WI | A | 88.8 score | 199 | 0.5% | — |
| 72 | Community National BankSeneca, KS | A | 88.5 score | 267 | 1.5% | — |
| 73 | The Commercial Bank of GraysonGrayson, KY | A | 88.5 score | 157 | 0.0% | — |
| 74 | SecurityplusBaltimore, MD | A | 88.4 score | 109 | 3.7% | 5.50% |
| 75 | Fulton Savings BankFulton, NY | A | 88.3 score | 210 | 1.9% | — |
| 76 | Range BankMarquette, MI | A | 88.0 score | 349 | 2.6% | — |
| 77 | SSB BankPittsburgh, PA | A | 88.0 score | 131 | 2.3% | — |
| 78 | Community BankTopeka, KS | A | 88.0 score | 126 | 2.4% | — |
| 79 | PROSPERA Credit UnionAppleton, | A | 88.0 score | 104 | 1.9% | — |
| 80 | Bloomsdale BankBloomsdale, MO | A | 87.8 score | 208 | 2.4% | — |
| 81 | South Story Bank & TrustSlater, IA | A | 87.8 score | 114 | 1.8% | — |
| 82 | Stifel Bank and TrustSaint Louis, MO | A | 87.7 score | 5,127 | 2.1% | 6.13% |
| 83 | Leader BankArlington, MA | A | 87.6 score | 7,670 | 2.0% | 6.25% |
| 84 | Hiawatha National BankHager City, WI | A | 87.5 score | 140 | 2.1% | — |
| 85 | HomeBankPalmyra, MO | A | 87.3 score | 249 | 0.8% | — |
| 86 | Bank of RomneyRomney, WV | A | 87.3 score | 186 | 2.7% | — |
| 87 | The Kaw Valley State Bank and Trust Company, of Wamego, KansasWamego, KS | A | 87.3 score | 174 | 2.3% | — |
| 88 | The First National Bank of HartfordHartford, AL | A | 87.3 score | 123 | 1.6% | — |
| 89 | Highland HomeloansPlano, TX | A | 87.0 score | 456 | 3.1% | 5.49% |
| 90 | Federated MortgagePittsburgh, PA | A | 87.0 score | 356 | 0.0% | 6.50% |
| 91 | Bank of OdessaOdessa, MO | A | 87.0 score | 298 | 2.7% | — |
| 92 | The First National Bank of McGregorMc Gregor, TX | A | 87.0 score | 163 | 1.8% | — |
| 93 | PCB BankLos Angeles, CA | A | 87.0 score | 157 | 1.3% | — |
| 94 | Peoples State BankNew Lexington, OH | A | 87.0 score | 113 | 1.8% | — |
| 95 | Carroll Bank and TrustHuntingdon, TN | A | 86.8 score | 526 | 1.9% | — |
| 96 | Midwest BankMonmouth, IL | A | 86.8 score | 240 | 2.9% | — |
| 97 | Midwest BankDetroit Lakes, MN | A | 86.8 score | 187 | 2.1% | — |
| 98 | CCB Community BankAndalusia, AL | A | 86.5 score | 162 | 1.9% | — |
| 99 | PCM Credit UnionGreen Bay, WI | A | 86.4 score | 505 | 3.0% | 5.99% |
| 100 | Sefcu ServicesAlbany, NY | A | 86.3 score | 2,747 | 1.9% | 6.13% |
Lenders are ordered by composite grade score: approval odds (45%), pricing (30%), process (15%) and closing costs (10%), each a percentile rank against peers of the same product type and size. A lender needs at least 100 decided applications in 2025 to be graded. All figures come from the lenders' own HMDA filings. Full methodology.
