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 | 302 | 3.6% | 5.80% |
| 2 | Leader BankArlington, MA | A | 87.6 score | 210 | 0.5% | 6.49% |
| 3 | Liberty BankMiddletown, CT | A | 83.3 score | 3,513 | 9.5% | 5.99% |
| 4 | Homestead FundingAlbany, NY | A | 80.2 score | 486 | 2.7% | 6.38% |
| 5 | Fairfield County BankRidgefield, CT | A | 80.0 score | 124 | 4.0% | 6.25% |
| 6 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 558 | 3.6% | 6.75% |
| 7 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 112 | 1.8% | 6.63% |
| 8 | Mortgage Markets CusoEast Hartford, CT | A | 77.5 score | 106 | 1.9% | 5.99% |
| 9 | Northwest Community BankWinsted, CT | A | 77.4 score | 223 | 3.1% | 6.38% |
| 10 | First Colony MortgageOrem, UT | A | 77.3 score | 141 | 8.5% | 6.75% |
| 11 | First World MortgageHartford, CT | A | 76.7 score | 2,332 | 3.5% | 6.49% |
| 12 | Movement MortgageLancaster, SC | A | 75.4 score | 1,421 | 2.3% | 6.50% |
| 13 | Union Savings BankDanbury, CT | A | 73.9 score | 916 | 14.0% | 5.49% |
| 14 | CMG MortgageSan Ramon, CA | A | 73.7 score | 2,215 | 7.5% | 6.63% |
| 15 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 196 | 6.6% | 6.38% |
| 16 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 836 | 4.9% | 6.63% |
| 17 | bankESBEasthampton, MA | A | 71.0 score | 121 | 7.4% | 5.99% |
| 18 | Guild MortgageSan Diego, CA | A | 70.8 score | 329 | 5.8% | 6.50% |
| 19 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 1,163 | 6.3% | 6.63% |
| 20 | NFMLinthicum, MD | A | 69.5 score | 313 | 4.2% | 6.63% |
| 21 | UBS Bank USASalt Lake City, UT | A | 68.9 score | 106 | 5.7% | 5.88% |
| 22 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 4,239 | 13.7% | 6.50% |
| 23 | Northpoint MortgageSturbridge, MA | A | 67.4 score | 176 | 3.4% | 6.63% |
| 24 | Hudson Valley Credit UnionPoughkeepsie, NY | B | 67.0 score | 110 | 30.9% | 4.50% |
| 25 | NBT BankNorwich, NY | B | 66.7 score | 171 | 22.2% | 4.99% |
| 26 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 1,804 | 8.9% | 6.38% |
| 27 | T2 FinancialWesterville, OH | B | 64.7 score | 578 | 7.6% | 6.75% |
| 28 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 995 | 6.1% | 6.63% |
| 29 | Berkshire BankPittsfield, MA | B | 64.3 score | 187 | 24.6% | 5.00% |
| 30 | V.i.p. MortgageScottsdale, AZ | B | 64.2 score | 278 | 2.2% | 6.63% |
| 31 | Windosr Federal Savings & Loan AssociationWindsor, CT | B | 63.0 score | 227 | 2.6% | — |
| 32 | Warshaw CapitalStamford, CT | B | 62.8 score | 193 | 1.0% | 6.50% |
| 33 | Union Home MortgageStrongsville, OH | B | 62.8 score | 469 | 5.1% | 6.63% |
| 34 | Velocity Commercial CapitalWestlake Village, CA | B | 62.3 score | 183 | 0.0% | 9.99% |
| 35 | Guaranteed RateChicago, IL | B | 62.3 score | 1,506 | 7.4% | 6.63% |
| 36 | Paramount Residential Mortgage GroupCorona, CA | B | 61.3 score | 252 | 3.6% | 6.63% |
| 37 | Members Mortgage CompanyStoneham, MA | B | 61.2 score | 504 | 7.1% | 5.88% |
| 38 | Washington Trust Mortgage CompanyWesterly, RI | B | 60.5 score | 155 | 5.2% | 6.49% |
| 39 | Westfield BankWestfield, MA | B | 60.5 score | 171 | 14.0% | 6.25% |
| 40 | Mortgage Equity PartnersLynnfield, MA | B | 59.9 score | 186 | 2.2% | 6.50% |
| 41 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 59.4 score | 1,035 | 2.2% | 6.63% |
| 42 | Emm LoansCherry Hill, NJ | B | 59.2 score | 155 | 7.1% | 6.63% |
| 43 | Newtown Savings BankNewtown, CT | B | 58.2 score | 1,059 | 6.5% | 6.38% |
| 44 | The Loan StoreSan Francisco, CA | B | 57.1 score | 257 | 14.4% | 6.88% |
| 45 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 1,645 | 9.5% | 6.25% |
| 46 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 1,935 | 5.8% | 6.75% |
| 47 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 56.3 score | 131 | 16.0% | 6.38% |
| 48 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 55.8 score | 155 | 11.0% | 6.09% |
| 49 | Centreville BankWest Warwick, RI | B | 54.4 score | 158 | 16.5% | 6.49% |
| 50 | Homebridge Financial ServicesIselin, NJ | B | 54.4 score | 473 | 11.2% | 10.10% |
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.
