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 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 322 | 4.4% | 6.49% |
| 2 | Movement MortgageLancaster, SC | A | 75.4 score | 317 | 3.8% | 6.38% |
| 3 | CMG MortgageSan Ramon, CA | A | 73.7 score | 107 | 3.7% | 6.50% |
| 4 | Denali State BankFairbanks, AK | A | 72.5 score | 165 | 1.8% | — |
| 5 | Cornerstone Capital BankHouston, TX | A | 71.7 score | 301 | 0.3% | 6.25% |
| 6 | Guild MortgageSan Diego, CA | A | 70.8 score | 281 | 4.6% | 6.19% |
| 7 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 551 | 12.2% | 6.12% |
| 8 | Residential MortgageAnchorage, AK | B | 63.1 score | 1,907 | 4.4% | 6.25% |
| 9 | Guaranteed RateChicago, IL | B | 62.3 score | 221 | 9.1% | 6.53% |
| 10 | Canopy MortgageLindon, UT | B | 59.2 score | 126 | 0.8% | 6.25% |
| 11 | The Loan StoreSan Francisco, CA | B | 57.1 score | 519 | 8.5% | 6.50% |
| 12 | Mt. McKinley BankFairbanks, AK | B | 56.8 score | 184 | 5.4% | — |
| 13 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 355 | 8.7% | 5.88% |
| 14 | Wells Fargo BankCharlotte, NC | B | 54.4 score | 248 | 20.2% | 6.50% |
| 15 | NBKC BankKansas, MO | B | 52.3 score | 104 | 8.7% | 5.99% |
| 16 | Primary Residential MortgageSalt Lake City, UT | C | 50.9 score | 145 | 6.2% | 6.50% |
| 17 | Mortgage Research CenterColumbia, MO | C | 50.8 score | 844 | 14.5% | 6.25% |
| 18 | USAA Federal Savings BankPhoenix, AZ | C | 48.6 score | 188 | 28.7% | 6.13% |
| 19 | Pennymac Loan ServicesWestlake Village, CA | C | 47.0 score | 310 | 13.6% | 6.12% |
| 20 | NuVision Federal Credit UnionHuntington Beach, CA | C | 46.3 score | 501 | 32.9% | 4.99% |
| 21 | Kind LendingIrvine, CA | C | 45.5 score | 124 | 18.6% | 6.25% |
| 22 | Coastal Community BankEverett, WA | C | 45.3 score | 229 | 1.8% | 10.49% |
| 23 | Rocket MortgagePlymouth, MI | C | 43.7 score | 1,051 | 17.8% | 6.75% |
| 24 | KeyBankCleveland, OH | C | 43.4 score | 112 | 32.1% | 6.81% |
| 25 | Global Federal Credit UnionAnchorage, AK | C | 43.0 score | 2,601 | 16.0% | 6.63% |
| 26 | Matanuska Valley Federal Credit UnionPalmer, AK | C | 42.1 score | 179 | 10.6% | 6.63% |
| 27 | First National Bank AlaskaAnchorage, AK | C | 40.0 score | 402 | 9.0% | 6.63% |
| 28 | Mutual of Omaha MortgageSan Diego, CA | C | 39.2 score | 121 | 20.7% | 6.13% |
| 29 | Lakeview Loan ServicingCoral Gables, FL | C | 37.9 score | 186 | 31.2% | 5.99% |
| 30 | The Federal Savings BankChicago, IL | C | 36.7 score | 119 | 10.9% | 6.25% |
| 31 | Nationstar MortgageCoppell, TX | C | 34.6 score | 129 | 10.9% | 8.38% |
| 32 | Figure LendingCharlotte, NC | C | 33.8 score | 166 | 31.3% | 8.95% |
| 33 | Loandepot.ComIrvine, CA | D | 32.9 score | 331 | 23.6% | 6.75% |
| 34 | Broker SolutionsTustin, CA | D | 28.6 score | 207 | 7.3% | 6.75% |
| 35 | NewrezWilmington, DE | D | 28.2 score | 1,344 | 4.3% | 6.38% |
| 36 | CREDIT UNION 1 Credit UnionAnchorage, AK | D | 25.8 score | 462 | 11.7% | 7.75% |
| 37 | Sofi BankCottonwood Heights, UT | D | 25.7 score | 145 | 17.2% | 7.40% |
| 38 | Navy Federal Credit UnionVienna, VA | D | 23.6 score | 370 | 19.2% | 6.25% |
| 39 | True North Federal Credit UnionJuneau, AK | D | 22.8 score | 145 | 31.7% | 7.38% |
| 40 | AmeriSave MortgageSandy Springs, GA | D | 16.7 score | 353 | 63.2% | 8.38% |
| 41 | Bank of AmericaCharlotte, NC | F | 11.5 score | 196 | 40.3% | 6.31% |
| 42 | New Day FinancialWest Palm Beach, FL | F | 9.5 score | 118 | 14.4% | 6.99% |
| 43 | Discover BankGreenwood, DE | F | 6.0 score | 107 | 57.0% | 9.00% |
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.
