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 | Freedom Northwest Credit UnionKamiah, ID | A | 96.5 score | 376 | 0.0% | — |
| 2 | Clm MortgageHouston, TX | A | 94.0 score | 378 | 0.5% | 5.75% |
| 3 | Connections Credit UnionPocatello, ID | A | 84.0 score | 223 | 0.9% | 7.50% |
| 4 | My Move MortgageUtah, UT | A | 80.1 score | 147 | 0.0% | 6.13% |
| 5 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 192 | 3.7% | 6.49% |
| 6 | First Colony MortgageOrem, UT | A | 77.3 score | 518 | 1.5% | 6.25% |
| 7 | Idaho Central Credit UnionChubbuck, ID | A | 77.0 score | 15,644 | 16.5% | 7.00% |
| 8 | Movement MortgageLancaster, SC | A | 75.4 score | 1,130 | 5.8% | 6.50% |
| 9 | Homeamerican MortgageDenver, CO | A | 74.4 score | 181 | 7.2% | 5.00% |
| 10 | CMG MortgageSan Ramon, CA | A | 73.7 score | 1,087 | 2.5% | 6.63% |
| 11 | Lennar MortgageMiami, FL | A | 72.3 score | 561 | 5.4% | 4.88% |
| 12 | Cornerstone Capital BankHouston, TX | A | 71.7 score | 398 | 0.5% | 6.13% |
| 13 | Guild MortgageSan Diego, CA | A | 70.8 score | 2,320 | 3.4% | 6.50% |
| 14 | NFMLinthicum, MD | A | 69.5 score | 341 | 1.5% | 6.25% |
| 15 | Intercap LendingSalt Lake City, UT | A | 69.3 score | 157 | 2.6% | 6.38% |
| 16 | Planet Home LendingMeriden, CT | B | 67.8 score | 498 | 6.4% | 6.50% |
| 17 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 3,943 | 9.1% | 6.12% |
| 18 | Toll Brothers MortgageWilmington, DE | A | 66.3 score | 752 | 6.3% | 6.00% |
| 19 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 521 | 9.4% | 6.63% |
| 20 | Eagle Bank and TrustLittle Rock, AR | A | 65.1 score | 484 | 0.8% | 6.25% |
| 21 | Evergreen Moneysource MortgageBellevue, WA | B | 64.5 score | 910 | 0.3% | 6.50% |
| 22 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 993 | 6.5% | 6.49% |
| 23 | Union Home MortgageStrongsville, OH | B | 62.8 score | 160 | 5.0% | 6.44% |
| 24 | Guaranteed RateChicago, IL | B | 62.3 score | 984 | 5.3% | 6.58% |
| 25 | Paramount Residential Mortgage GroupCorona, CA | B | 61.3 score | 192 | 1.0% | 6.50% |
| 26 | The Bank of CommerceAmmon, ID | B | 61.0 score | 136 | 3.7% | — |
| 27 | Jmj Financial GroupAliso Viejo, CA | B | 60.3 score | 217 | 0.9% | 6.49% |
| 28 | Sunflower BankDallas, TX | B | 59.9 score | 345 | 1.7% | 6.49% |
| 29 | Canopy MortgageLindon, UT | B | 59.2 score | 575 | 2.1% | 6.38% |
| 30 | Plains Commerce BankSioux Falls, SD | B | 59.0 score | 163 | 3.1% | 6.38% |
| 31 | First Technology Federal Credit UnionSan Jose, CA | B | 58.9 score | 127 | 10.2% | 7.31% |
| 32 | Belem ServicingSaint George, UT | B | 58.6 score | 138 | 2.9% | 6.25% |
| 33 | Boeing Employees Credit UnionTukwila, WA | B | 58.5 score | 254 | 16.1% | 6.25% |
| 34 | Highlands Residential MortgageAllen, TX | B | 58.3 score | 258 | 0.8% | 6.50% |
| 35 | GoldenwestOgden, UT | B | 57.8 score | 354 | 21.8% | 7.50% |
| 36 | The Loan StoreSan Francisco, CA | B | 57.1 score | 540 | 5.4% | 6.63% |
| 37 | Kbhs Home LoansIrving, TX | B | 56.9 score | 169 | 8.3% | 5.75% |
| 38 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 966 | 8.0% | 6.06% |
| 39 | Van Dyk MortgageGrand Rapids, MI | B | 56.5 score | 152 | 1.3% | 6.38% |
| 40 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 705 | 3.0% | 6.45% |
| 41 | Churchill MortgageBrentwood, TN | B | 56.2 score | 326 | 4.6% | 6.63% |
| 42 | Pioneer Federal Credit UnionMountain Home, ID | B | 56.2 score | 609 | 7.1% | 7.50% |
| 43 | Zions BancorporationSalt Lake City, UT | B | 55.1 score | 861 | 21.1% | 6.49% |
| 44 | Homebridge Financial ServicesIselin, NJ | B | 54.4 score | 121 | 9.9% | 10.39% |
| 45 | Wells Fargo BankCharlotte, NC | B | 54.4 score | 319 | 15.1% | 6.25% |
| 46 | WESTMARK Credit UnionIdaho Falls, ID | B | 52.7 score | 1,230 | 15.8% | 6.99% |
| 47 | EAST IDAHO Credit UnionIdaho Falls, ID | B | 51.6 score | 212 | 9.4% | 6.23% |
| 48 | Premier Mortgage ResourcesMeridian, ID | B | 51.6 score | 2,504 | 2.7% | 6.25% |
| 49 | Bluebird Home LoansBoise, ID | B | 51.4 score | 137 | 3.7% | 6.63% |
| 50 | Mortgage Research CenterColumbia, MO | C | 50.8 score | 1,154 | 18.5% | 6.13% |
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.
