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 | Union BankMena, AR | A | 92.8 score | 446 | 1.4% | — |
| 2 | Legacy National BankSpringdale, AR | A | 83.5 score | 213 | 1.4% | — |
| 3 | First State BankRussellville, AR | A | 82.8 score | 107 | 0.9% | — |
| 4 | Bank of 1889Berryville, AR | A | 82.5 score | 182 | 3.3% | — |
| 5 | My Move MortgageUtah, UT | A | 80.1 score | 333 | 0.6% | 6.50% |
| 6 | Priority BankFayetteville, AR | A | 79.2 score | 284 | 0.4% | 6.25% |
| 7 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 206 | 1.5% | 6.50% |
| 8 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 463 | 1.5% | 6.50% |
| 9 | First Colony MortgageOrem, UT | A | 77.3 score | 155 | 2.6% | 6.13% |
| 10 | First Western BankBooneville, AR | A | 77.0 score | 143 | 1.4% | — |
| 11 | Lendlo MortgageHouston, TX | A | 75.1 score | 425 | 4.0% | 5.99% |
| 12 | Flat Branch MortgageColumbia, MO | A | 75.1 score | 1,840 | 0.4% | 6.49% |
| 13 | Equity BankWichita, KS | A | 74.0 score | 221 | 11.8% | 7.43% |
| 14 | CMG MortgageSan Ramon, CA | A | 73.7 score | 346 | 3.8% | 6.25% |
| 15 | Community MortgageCordova, | A | 73.1 score | 317 | 2.2% | 6.25% |
| 16 | Lennar MortgageMiami, FL | A | 72.3 score | 516 | 16.3% | 5.50% |
| 17 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 336 | 6.3% | 6.49% |
| 18 | CS BankEureka Springs, AR | A | 71.0 score | 209 | 4.8% | — |
| 19 | Guild MortgageSan Diego, CA | A | 70.8 score | 597 | 8.0% | 6.63% |
| 20 | Signature Bank of ArkansasFayetteville, AR | A | 70.5 score | 485 | 3.3% | — |
| 21 | Telcoe Federal Credit UnionLittle Rock, AR | A | 70.5 score | 124 | 4.0% | 6.06% |
| 22 | Associated MortgageTulsa, OK | A | 70.4 score | 297 | 0.3% | 6.50% |
| 23 | Swbc MortgageSan Antonio, TX | A | 69.1 score | 443 | 1.4% | 6.50% |
| 24 | Firstar BankSallisaw, OK | B | 68.5 score | 301 | 4.3% | 6.50% |
| 25 | Planet Home LendingMeriden, CT | B | 67.8 score | 191 | 20.9% | 5.99% |
| 26 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 2,456 | 13.3% | 6.12% |
| 27 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 1,080 | 12.1% | 5.50% |
| 28 | Southern BankPoplar Bluff, MO | A | 65.6 score | 354 | 3.7% | 7.30% |
| 29 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 547 | 11.7% | 6.38% |
| 30 | Generations BankRogers, AR | B | 65.2 score | 399 | 9.0% | 6.63% |
| 31 | Eagle Bank and TrustLittle Rock, AR | A | 65.1 score | 1,305 | 5.5% | 6.50% |
| 32 | T2 FinancialWesterville, OH | B | 64.7 score | 350 | 4.0% | 6.63% |
| 33 | Firsttrust Home LoansSheridan, AR | B | 64.6 score | 2,590 | 0.5% | 6.49% |
| 34 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 1,864 | 6.0% | 6.49% |
| 35 | First Western MortgageBooneville, AR | B | 64.4 score | 239 | 5.0% | 6.38% |
| 36 | Zillow Home LoansIrvine, CA | B | 64.0 score | 273 | 5.1% | 6.50% |
| 37 | First National BankParagould, AR | B | 63.7 score | 335 | 3.9% | 7.75% |
| 38 | Anstaff BankGreen Forest, AR | B | 63.5 score | 285 | 4.9% | — |
| 39 | Union Home MortgageStrongsville, OH | B | 62.8 score | 196 | 12.8% | 6.38% |
| 40 | Guaranteed RateChicago, IL | B | 62.3 score | 514 | 6.8% | 6.50% |
| 41 | Paramount Residential Mortgage GroupCorona, CA | B | 61.3 score | 157 | 8.3% | 6.38% |
| 42 | Communityamerica Credit UnionLenexa, KS | B | 61.1 score | 133 | 26.3% | 6.63% |
| 43 | Armstrong BankMuskogee, OK | B | 60.9 score | 283 | 3.9% | 7.26% |
| 44 | Horatio State BankHoratio, AR | B | 60.8 score | 183 | 8.7% | — |
| 45 | The First National Bank of Fort SmithFort Smith, AR | B | 60.1 score | 501 | 4.8% | 6.50% |
| 46 | Bank of Little Rock MortgageLittle Rock, AR | B | 59.5 score | 495 | 4.7% | 6.62% |
| 47 | DAS Acquisition CompanySt. Louis, MO | B | 58.5 score | 395 | 5.6% | 6.63% |
| 48 | Highlands Residential MortgageAllen, TX | B | 58.3 score | 851 | 0.8% | 6.63% |
| 49 | First Horizon BankMemphis, TN | B | 57.6 score | 972 | 17.6% | 6.50% |
| 50 | Mortgage Investors GroupNashville, TN | B | 57.2 score | 188 | 2.1% | 6.50% |
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.
