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 | We Florida FinancialPembroke Pines, FL | A | 93.5 score | 187 | 4.3% | 7.50% |
| 2 | 212 Loans, LLC.San Antonio, TX | A | 90.0 score | 351 | 0.0% | 11.99% |
| 3 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 436 | 0.0% | 9.50% |
| 4 | Easy Street CapitalAustin, TX | A | 90.0 score | 590 | 0.0% | 9.90% |
| 5 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 1,430 | 5.9% | 5.93% |
| 6 | Stifel Bank and TrustSaint Louis, MO | A | 87.7 score | 314 | 2.9% | 6.00% |
| 7 | Leader BankArlington, MA | A | 87.6 score | 154 | 1.3% | 6.38% |
| 8 | M/i FinancialColumbus, OH | A | 85.3 score | 1,518 | 3.2% | 5.50% |
| 9 | Charles Schwab BankWestlake, TX | A | 84.3 score | 545 | 9.5% | 5.55% |
| 10 | Premia Mortgage, LLC DBA Premia Relocation MortgageTroy, MI | A | 83.8 score | 121 | 0.8% | 6.25% |
| 11 | Lakeview Community CapitalTucson, AZ | A | 81.6 score | 659 | 3.5% | 6.25% |
| 12 | General Mortgage CapitalBurlingame, CA | A | 81.1 score | 186 | 1.6% | 6.63% |
| 13 | Homestead FundingAlbany, NY | A | 80.2 score | 101 | 6.9% | 6.38% |
| 14 | Lake Michigan Credit UnionGrand Rapids, MI | A | 79.7 score | 1,796 | 11.4% | 6.49% |
| 15 | Raymond James BankSaint Petersburg, FL | A | 79.2 score | 381 | 7.4% | 5.50% |
| 16 | Grace Home LendingHouston, TX | A | 78.6 score | 116 | 0.0% | 5.25% |
| 17 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 1,315 | 8.5% | 6.49% |
| 18 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 1,051 | 4.2% | 6.50% |
| 19 | FineMark National Bank & TrustFort Myers, FL | A | 77.8 score | 130 | 5.4% | — |
| 20 | First Colony MortgageOrem, UT | A | 77.3 score | 740 | 8.2% | 6.63% |
| 21 | Keystone FundingDover, DE | A | 76.9 score | 215 | 9.8% | 6.38% |
| 22 | Bell BankFargo, ND | A | 76.2 score | 540 | 5.0% | 6.63% |
| 23 | Movement MortgageLancaster, SC | A | 75.4 score | 6,011 | 5.0% | 6.63% |
| 24 | Mld MortgageFlorham Park, NJ | A | 74.9 score | 117 | 4.3% | 6.63% |
| 25 | Delmar FinancialSaint Louis, MO | A | 74.8 score | 145 | 0.0% | 6.43% |
| 26 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 74.6 score | 320 | 3.8% | 6.62% |
| 27 | Homeamerican MortgageDenver, CO | A | 74.4 score | 815 | 15.1% | 4.63% |
| 28 | CMG MortgageSan Ramon, CA | A | 73.7 score | 6,869 | 5.8% | 6.63% |
| 29 | Premium MortgageRochester, NY | A | 73.4 score | 104 | 9.6% | 6.75% |
| 30 | Mattamy Home FundingDover, DE | A | 73.3 score | 1,519 | 12.3% | 5.50% |
| 31 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 1,067 | 9.7% | 6.38% |
| 32 | PeoplesSouth BankColquitte, GA | A | 73.0 score | 116 | 0.0% | 7.25% |
| 33 | Lennar MortgageMiami, FL | A | 72.3 score | 14,984 | 21.0% | 4.75% |
| 34 | ServisFirst BankBirmingham, AL | A | 72.2 score | 537 | 2.2% | 6.63% |
| 35 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 811 | 10.0% | 6.63% |
| 36 | AAA Capital InvestmentArcadia, CA | B | 71.9 score | 201 | 3.0% | 6.88% |
| 37 | First Heritage MortgageFairfax, VA | A | 71.6 score | 742 | 6.1% | 4.99% |
| 38 | Taylor Morrison Home FundingMaitland, FL | A | 71.4 score | 3,019 | 23.4% | 5.63% |
| 39 | Rf Renovo Management CompanyChicago, IL | B | 71.3 score | 824 | 0.2% | 9.50% |
| 40 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 2,515 | 7.2% | 6.63% |
| 41 | Dybn FinancialMelbourne, FL | A | 70.8 score | 330 | 1.2% | 6.38% |
| 42 | Guild MortgageSan Diego, CA | A | 70.8 score | 4,134 | 6.7% | 6.50% |
| 43 | NJ LendersWilmington, DE | A | 70.6 score | 107 | 5.6% | 6.50% |
| 44 | Pulte MortgageWilmington, DE | A | 70.4 score | 6,342 | 15.6% | 5.50% |
| 45 | University BankAnn Arbor, MI | A | 70.4 score | 1,321 | 3.1% | 6.38% |
| 46 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 803 | 10.6% | 6.63% |
| 47 | NFMLinthicum, MD | A | 69.5 score | 2,591 | 3.2% | 6.25% |
| 48 | Union Savings BankCincinnati, OH | A | 69.4 score | 166 | 6.0% | 7.00% |
| 49 | Swbc MortgageSan Antonio, TX | A | 69.1 score | 469 | 4.1% | 6.63% |
| 50 | UBS Bank USASalt Lake City, UT | A | 68.9 score | 459 | 9.8% | 5.88% |
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.
