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 | Clm MortgageHouston, TX | A | 94.0 score | 171 | 1.2% | 6.25% |
| 2 | Unnamed lender 254900YZ174H294JW398 | A | 89.6 score | 470 | 1.1% | 6.63% |
| 3 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 319 | 2.2% | 6.00% |
| 4 | Charles Schwab BankWestlake, TX | A | 84.3 score | 245 | 3.7% | 5.63% |
| 5 | Shea MortgageWalnut, CA | A | 83.7 score | 469 | 1.1% | 6.13% |
| 6 | Lakeview Community CapitalTucson, AZ | A | 81.6 score | 205 | 0.5% | 6.13% |
| 7 | Velocio MortgageSan Antonio, TX | A | 79.8 score | 1,568 | 2.7% | 3.99% |
| 8 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 872 | 6.9% | 6.63% |
| 9 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 537 | 3.5% | 6.62% |
| 10 | Brookhollow Mortgage ServicesAddison, TX | A | 77.0 score | 143 | 1.4% | 5.88% |
| 11 | Idaho Central Credit UnionChubbuck, ID | A | 77.0 score | 177 | 28.3% | 7.00% |
| 12 | Bell BankFargo, ND | A | 76.2 score | 1,632 | 8.5% | 6.75% |
| 13 | Universal LendingGreenwood Village, CO | A | 75.4 score | 252 | 5.2% | 5.13% |
| 14 | Movement MortgageLancaster, SC | A | 75.4 score | 1,264 | 3.4% | 6.75% |
| 15 | Homeamerican MortgageDenver, CO | A | 74.4 score | 1,197 | 6.7% | 4.50% |
| 16 | Altitude FinancialTucson, AZ | A | 74.1 score | 1,165 | 1.0% | 6.63% |
| 17 | CMG MortgageSan Ramon, CA | A | 73.7 score | 2,740 | 5.0% | 6.75% |
| 18 | Mattamy Home FundingDover, DE | A | 73.3 score | 682 | 7.2% | 5.38% |
| 19 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 903 | 6.8% | 6.38% |
| 20 | Lennar MortgageMiami, FL | A | 72.3 score | 3,184 | 10.9% | 4.25% |
| 21 | Cornerstone Capital BankHouston, TX | A | 71.7 score | 190 | 1.6% | 6.63% |
| 22 | Taylor Morrison Home FundingMaitland, FL | A | 71.4 score | 2,334 | 11.0% | 5.63% |
| 23 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 866 | 5.2% | 6.63% |
| 24 | Guild MortgageSan Diego, CA | A | 70.8 score | 4,880 | 4.3% | 6.63% |
| 25 | Pulte MortgageWilmington, DE | A | 70.4 score | 1,597 | 8.1% | 4.99% |
| 26 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 1,082 | 4.7% | 6.38% |
| 27 | NFMLinthicum, MD | A | 69.5 score | 1,012 | 1.2% | 4.99% |
| 28 | Intercap LendingSalt Lake City, UT | A | 69.3 score | 182 | 0.6% | 6.50% |
| 29 | UBS Bank USASalt Lake City, UT | A | 68.9 score | 123 | 4.9% | 5.94% |
| 30 | BoxCar MortgageAtlanta, GA | A | 68.0 score | 210 | 3.8% | 6.50% |
| 31 | Planet Home LendingMeriden, CT | B | 67.8 score | 462 | 14.9% | 6.13% |
| 32 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 25,383 | 10.2% | 6.25% |
| 33 | Toll Brothers MortgageWilmington, DE | A | 66.3 score | 377 | 11.9% | 6.49% |
| 34 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 3,479 | 12.8% | 3.99% |
| 35 | Bankers TrustDes Moines, IA | B | 65.5 score | 131 | 9.9% | 6.75% |
| 36 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 4,573 | 11.2% | 6.50% |
| 37 | Inspire Home LoansNewport Beach, CA | B | 64.8 score | 953 | 10.3% | 5.63% |
| 38 | T2 FinancialWesterville, OH | B | 64.7 score | 289 | 5.9% | 6.63% |
| 39 | South River MortgageAnnapolis, MD | A | 64.5 score | 109 | 1.8% | 6.38% |
| 40 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 6,729 | 5.6% | 6.63% |
| 41 | Fbc MortgageOrlando, FL | B | 64.3 score | 277 | 1.1% | 6.38% |
| 42 | Sun American MortgageMesa, AZ | B | 64.3 score | 387 | 2.1% | 6.50% |
| 43 | V.i.p. MortgageScottsdale, AZ | B | 64.2 score | 2,930 | 2.5% | 6.62% |
| 44 | First International Bank & TrustWatford City, ND | B | 64.0 score | 177 | 9.6% | 7.25% |
| 45 | Zillow Home LoansIrvine, CA | B | 64.0 score | 814 | 5.2% | 6.50% |
| 46 | Towne MortgageTroy, MI | B | 63.6 score | 105 | 7.6% | 6.13% |
| 47 | Residential Wholesale MortgageSan Diego, CA | B | 63.2 score | 164 | 0.6% | 6.50% |
| 48 | Residential MortgageAnchorage, AK | B | 63.1 score | 174 | 8.6% | 6.50% |
| 49 | MidFirst BankOklahoma City, OK | B | 62.8 score | 343 | 5.8% | 6.50% |
| 50 | Direct Mortgage LoansHunt Valley, MD | B | 62.8 score | 470 | 2.1% | 6.63% |
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.
