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 | Premier Bank of the SouthCullman, AL | A | 95.8 score | 141 | 0.7% | — |
| 2 | Traditions BankCullman, AL | A | 94.3 score | 245 | 0.8% | — |
| 3 | First Citizens BankLuverne, AL | A | 93.5 score | 103 | 1.0% | — |
| 4 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 142 | 0.0% | 7.38% |
| 5 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 120 | 3.3% | 6.00% |
| 6 | Stifel Bank and TrustSaint Louis, MO | A | 87.7 score | 115 | 0.9% | 6.00% |
| 7 | The First National Bank of HartfordHartford, AL | A | 87.3 score | 110 | 1.8% | — |
| 8 | CCB Community BankAndalusia, AL | A | 86.5 score | 147 | 2.0% | — |
| 9 | Liberty BankGeraldine, AL | A | 81.3 score | 207 | 0.0% | — |
| 10 | Listerhill Credit UnionMuscle Shoals, AL | A | 79.6 score | 554 | 2.7% | 6.00% |
| 11 | First Jackson BankStevenson, AL | A | 79.5 score | 114 | 3.5% | — |
| 12 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 186 | 9.7% | 6.49% |
| 13 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 393 | 2.0% | 6.50% |
| 14 | Heritage MortgageMadison, AL | A | 77.3 score | 534 | 0.2% | 5.99% |
| 15 | First Colony MortgageOrem, UT | A | 77.3 score | 313 | 3.2% | 6.38% |
| 16 | Unnamed lender 5493005QMX3SJKDTQZ62 | A | 76.8 score | 111 | 3.6% | 6.50% |
| 17 | Movement MortgageLancaster, SC | A | 75.4 score | 2,284 | 4.9% | 6.63% |
| 18 | Alabama State Employees Credit UnionMontgomery, AL | A | 75.1 score | 115 | 0.9% | 6.50% |
| 19 | Lendlo MortgageHouston, TX | A | 75.1 score | 229 | 2.6% | 5.75% |
| 20 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 74.6 score | 181 | 1.1% | 6.50% |
| 21 | CMG MortgageSan Ramon, CA | A | 73.7 score | 1,327 | 4.1% | 6.50% |
| 22 | River Bank & TrustPrattville, AL | A | 73.2 score | 1,628 | 3.7% | 6.95% |
| 23 | PeoplesSouth BankColquitte, GA | A | 73.0 score | 150 | 6.7% | 7.50% |
| 24 | AvadianHoover, AL | A | 72.4 score | 1,325 | 18.1% | 4.99% |
| 25 | Lennar MortgageMiami, FL | A | 72.3 score | 1,229 | 13.1% | 4.75% |
| 26 | ServisFirst BankBirmingham, AL | A | 72.2 score | 716 | 3.8% | 6.99% |
| 27 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 644 | 7.1% | 6.38% |
| 28 | Colorado Federal Savings BankGreenwood Village, CO | A | 70.9 score | 257 | 4.3% | 6.38% |
| 29 | Guild MortgageSan Diego, CA | A | 70.8 score | 2,742 | 3.8% | 6.50% |
| 30 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 787 | 8.5% | 6.50% |
| 31 | Tva Community Credit UnionMuscle Shoals, AL | B | 69.9 score | 113 | 8.0% | 6.25% |
| 32 | NFMLinthicum, MD | A | 69.5 score | 243 | 1.7% | 6.38% |
| 33 | Swbc MortgageSan Antonio, TX | A | 69.1 score | 116 | 1.7% | 6.63% |
| 34 | AcopiaGoodlettsville, TN | A | 69.0 score | 175 | 2.9% | 6.25% |
| 35 | West Alabama Bank & TrustReform, AL | B | 68.0 score | 135 | 3.0% | — |
| 36 | BoxCar MortgageAtlanta, GA | A | 68.0 score | 143 | 2.8% | 6.63% |
| 37 | Ameris BankAtlanta, GA | B | 67.8 score | 452 | 4.9% | 6.25% |
| 38 | Planet Home LendingMeriden, CT | B | 67.8 score | 479 | 15.0% | 6.00% |
| 39 | GMFSBaton Rouge, LA | A | 67.7 score | 641 | 1.7% | 6.38% |
| 40 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 7,689 | 12.0% | 6.13% |
| 41 | Dsld MortgageDover, DE | A | 66.8 score | 436 | 6.0% | 6.13% |
| 42 | BankFirst Financial ServicesMacon, MS | A | 66.7 score | 450 | 6.2% | 6.50% |
| 43 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 3,909 | 17.5% | 4.99% |
| 44 | Embrace Home LoansMiddletown, RI | A | 65.3 score | 314 | 6.7% | 6.63% |
| 45 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 774 | 11.2% | 6.49% |
| 46 | Renasant BankTupelo, MS | B | 65.2 score | 2,508 | 7.3% | 6.63% |
| 47 | Family Savings Credit UnionRainbow City, | B | 64.9 score | 507 | 7.5% | 6.50% |
| 48 | Inspire Home LoansNewport Beach, CA | B | 64.8 score | 117 | 9.4% | 4.88% |
| 49 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 2,494 | 4.1% | 6.63% |
| 50 | First National Bank of PulaskiPulaski, TN | B | 64.3 score | 148 | 4.7% | — |
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.
