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 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 536 | 1.9% | 5.85% |
| 2 | Stifel Bank and TrustSaint Louis, MO | A | 87.7 score | 121 | 0.8% | 6.06% |
| 3 | First Western Trust BankDenver, CO | A | 85.8 score | 882 | 0.3% | 6.25% |
| 4 | Charles Schwab BankWestlake, TX | A | 84.3 score | 333 | 3.6% | 5.60% |
| 5 | Shea MortgageWalnut, CA | A | 83.7 score | 311 | 2.3% | 6.25% |
| 6 | NmsiLos Angeles, CA | A | 81.8 score | 168 | 0.0% | 6.25% |
| 7 | Lakeview Community CapitalTucson, AZ | A | 81.6 score | 115 | 0.9% | 5.81% |
| 8 | Nest Home LendingBoulder, CO | A | 79.6 score | 716 | 0.8% | 4.99% |
| 9 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 383 | 3.7% | 6.50% |
| 10 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 1,255 | 2.2% | 6.63% |
| 11 | Keystone FundingDover, DE | A | 76.9 score | 609 | 2.3% | 6.25% |
| 12 | Universal LendingGreenwood Village, CO | A | 75.4 score | 117 | 4.3% | 4.99% |
| 13 | Movement MortgageLancaster, SC | A | 75.4 score | 1,301 | 2.8% | 6.63% |
| 14 | Flat Branch MortgageColumbia, MO | A | 75.1 score | 392 | 0.3% | 6.25% |
| 15 | Group MortgageFort Collins, CO | A | 74.8 score | 424 | 0.2% | 6.38% |
| 16 | Homeamerican MortgageDenver, CO | A | 74.4 score | 1,422 | 8.3% | 4.50% |
| 17 | Oakstar BankSpringfield, MO | A | 74.1 score | 167 | 9.6% | 7.50% |
| 18 | CMG MortgageSan Ramon, CA | A | 73.7 score | 2,947 | 3.2% | 6.50% |
| 19 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 985 | 5.1% | 6.38% |
| 20 | Financial Funding SolutionsLittleton, CO | A | 73.0 score | 129 | 3.1% | 6.43% |
| 21 | Lennar MortgageMiami, FL | A | 72.3 score | 1,693 | 6.3% | 3.99% |
| 22 | High Country BankSalida, CO | A | 71.8 score | 219 | 5.5% | 6.25% |
| 23 | Cornerstone Capital BankHouston, TX | A | 71.7 score | 749 | 1.6% | 6.50% |
| 24 | M2 Lending SolutionsDenver, CO | A | 71.4 score | 243 | 0.0% | 6.56% |
| 25 | Taylor Morrison Home FundingMaitland, FL | A | 71.4 score | 443 | 4.1% | 5.00% |
| 26 | Rf Renovo Management CompanyChicago, IL | B | 71.3 score | 172 | 0.0% | 9.75% |
| 27 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 803 | 4.2% | 6.25% |
| 28 | Colorado Federal Savings BankGreenwood Village, CO | A | 70.9 score | 106 | 8.5% | 6.25% |
| 29 | Guild MortgageSan Diego, CA | A | 70.8 score | 6,232 | 3.1% | 6.62% |
| 30 | Pulte MortgageWilmington, DE | A | 70.4 score | 238 | 11.8% | 4.99% |
| 31 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 330 | 7.9% | 6.63% |
| 32 | Megastar FinancialDenver, CO | A | 69.7 score | 730 | 1.5% | 6.50% |
| 33 | NFMLinthicum, MD | A | 69.5 score | 802 | 0.6% | 6.25% |
| 34 | Swbc MortgageSan Antonio, TX | A | 69.1 score | 635 | 0.6% | 6.63% |
| 35 | UBS Bank USASalt Lake City, UT | A | 68.9 score | 223 | 6.7% | 5.75% |
| 36 | BoxCar MortgageAtlanta, GA | A | 68.0 score | 287 | 3.1% | 6.49% |
| 37 | Planet Home LendingMeriden, CT | B | 67.8 score | 501 | 11.6% | 6.25% |
| 38 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 23,111 | 8.8% | 6.13% |
| 39 | Integrity Bank & TrustMonument, CO | B | 66.8 score | 147 | 2.0% | — |
| 40 | Unnamed lender 254900RNV63A0TIZNK90 | B | 66.7 score | 686 | 2.6% | 6.63% |
| 41 | Toll Brothers MortgageWilmington, DE | A | 66.3 score | 560 | 8.9% | 5.99% |
| 42 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 1,512 | 12.4% | 4.63% |
| 43 | Jet HomeloansJacksonville, FL | A | 65.9 score | 615 | 4.1% | 4.99% |
| 44 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 3,101 | 9.4% | 6.38% |
| 45 | Inspire Home LoansNewport Beach, CA | B | 64.8 score | 575 | 6.4% | 4.88% |
| 46 | T2 FinancialWesterville, OH | B | 64.7 score | 264 | 3.8% | 6.63% |
| 47 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 3,299 | 5.1% | 6.63% |
| 48 | V.i.p. MortgageScottsdale, AZ | B | 64.2 score | 1,426 | 0.8% | 6.50% |
| 49 | Zillow Home LoansIrvine, CA | B | 64.0 score | 839 | 3.2% | 6.38% |
| 50 | Towne MortgageTroy, MI | B | 63.6 score | 279 | 2.2% | 6.25% |
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.
