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 | First Federal Savings and Loan Association of ValdostaValdosta, GA | A | 96.5 score | 150 | 0.0% | — |
| 2 | Thomasville National BankThomasville, GA | A | 95.8 score | 222 | 0.5% | — |
| 3 | Georgia Community BankDawson, GA | A | 92.8 score | 365 | 1.4% | — |
| 4 | Easy Street CapitalAustin, TX | A | 90.0 score | 205 | 0.0% | 9.90% |
| 5 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 249 | 0.0% | 10.50% |
| 6 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 421 | 4.8% | 5.90% |
| 7 | First State BankWrens, GA | A | 87.8 score | 147 | 0.7% | — |
| 8 | Stifel Bank and TrustSaint Louis, MO | A | 87.7 score | 126 | 2.4% | 6.00% |
| 9 | First American Bank and TrustAthens, GA | A | 84.5 score | 243 | 2.1% | — |
| 10 | Charles Schwab BankWestlake, TX | A | 84.3 score | 152 | 2.6% | 5.75% |
| 11 | Premia Mortgage, LLC DBA Premia Relocation MortgageTroy, MI | A | 83.8 score | 102 | 2.9% | 6.23% |
| 12 | NmsiLos Angeles, CA | A | 81.8 score | 124 | 0.0% | 6.63% |
| 13 | Lakeview Community CapitalTucson, AZ | A | 81.6 score | 360 | 1.4% | 6.25% |
| 14 | General Mortgage CapitalBurlingame, CA | A | 81.1 score | 360 | 0.6% | 6.50% |
| 15 | First State Bank of BlakelyBlakely, GA | A | 80.8 score | 234 | 1.7% | — |
| 16 | Victory MortgageErlanger, KY | A | 80.5 score | 255 | 7.1% | 5.88% |
| 17 | Flint Community BankAlbany, GA | A | 80.3 score | 130 | 0.0% | — |
| 18 | First Continental MortgageHouston, TX | A | 79.3 score | 150 | 0.7% | 6.13% |
| 19 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 692 | 9.5% | 6.49% |
| 20 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 547 | 1.1% | 6.38% |
| 21 | Unnamed lender 254900F4GAYA092QOZ09 | A | 77.5 score | 167 | 0.0% | 6.63% |
| 22 | Heritage MortgageMadison, AL | A | 77.3 score | 111 | 1.8% | 6.00% |
| 23 | First Colony MortgageOrem, UT | A | 77.3 score | 477 | 5.0% | 6.50% |
| 24 | Unnamed lender 254900IGPKT07NB45N35 | A | 77.1 score | 229 | 1.3% | 5.49% |
| 25 | Guardian BankValdosta, GA | A | 77.0 score | 149 | 1.3% | — |
| 26 | Keystone FundingDover, DE | A | 76.9 score | 103 | 8.7% | 6.25% |
| 27 | Movement MortgageLancaster, SC | A | 75.4 score | 3,494 | 4.9% | 6.50% |
| 28 | Pineland BankAlma, GA | A | 75.0 score | 123 | 4.1% | — |
| 29 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 74.6 score | 1,018 | 1.6% | 6.50% |
| 30 | Bank of DudleyDublin, GA | A | 73.8 score | 121 | 0.8% | — |
| 31 | BankSouthGreensboro, GA | A | 73.8 score | 230 | 3.0% | — |
| 32 | CMG MortgageSan Ramon, CA | A | 73.7 score | 1,447 | 5.6% | 6.50% |
| 33 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 919 | 5.7% | 6.38% |
| 34 | Lennar MortgageMiami, FL | A | 72.3 score | 1,124 | 12.7% | 5.38% |
| 35 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 725 | 7.0% | 6.63% |
| 36 | AAA Capital InvestmentArcadia, CA | B | 71.9 score | 117 | 3.4% | 6.88% |
| 37 | First Heritage MortgageFairfax, VA | A | 71.6 score | 555 | 4.1% | 6.25% |
| 38 | Taylor Morrison Home FundingMaitland, FL | A | 71.4 score | 572 | 10.0% | 5.38% |
| 39 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 1,102 | 7.6% | 6.63% |
| 40 | Farmers & Merchants BankLakeland, GA | A | 70.8 score | 339 | 6.2% | — |
| 41 | Guild MortgageSan Diego, CA | A | 70.8 score | 5,377 | 5.2% | 6.25% |
| 42 | SunMark Community BankHawkinsville, GA | B | 70.5 score | 147 | 1.4% | — |
| 43 | Credit Union Financial ServicesDecatur, GA | A | 70.5 score | 209 | 2.4% | 5.75% |
| 44 | Pulte MortgageWilmington, DE | A | 70.4 score | 1,206 | 13.8% | 5.38% |
| 45 | Mortgage AssuranceAlpharetta, GA | B | 70.3 score | 524 | 0.6% | 6.25% |
| 46 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 1,536 | 8.2% | 6.38% |
| 47 | LoansteadyMclean, VA | A | 69.8 score | 131 | 3.8% | 6.56% |
| 48 | NFMLinthicum, MD | A | 69.5 score | 720 | 3.5% | 6.75% |
| 49 | Swbc MortgageSan Antonio, TX | A | 69.1 score | 900 | 5.3% | 6.50% |
| 50 | AcopiaGoodlettsville, TN | A | 69.0 score | 921 | 4.2% | 6.38% |
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.
