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 | Goodfield State BankGoodfield, IL | A | 95.0 score | 259 | 0.8% | — |
| 2 | Bank of O'FallonO'Fallon, IL | A | 94.3 score | 106 | 0.9% | — |
| 3 | Bank of Gibson CityGibson City, IL | A | 93.3 score | 127 | 0.8% | — |
| 4 | First Federal Savings Bank of Champaign UrbanaChampaign, IL | A | 92.3 score | 115 | 0.9% | — |
| 5 | Selfreliance Federal Credit UnionChicago, IL | A | 92.0 score | 195 | 0.5% | — |
| 6 | Homeland MortgageWestmont, IL | A | 91.8 score | 287 | 0.0% | 6.13% |
| 7 | Farmers National BankProphetstown, IL | A | 90.5 score | 104 | 1.0% | — |
| 8 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 149 | 0.0% | 11.00% |
| 9 | Republic Bank of ChicagoOak Brook, IL | A | 89.3 score | 183 | 0.6% | — |
| 10 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 463 | 1.5% | 6.05% |
| 11 | First National Bank of PanaPana, IL | A | 88.8 score | 198 | 2.0% | — |
| 12 | The Fisher National BankFisher, | A | 88.8 score | 324 | 1.9% | — |
| 13 | Stifel Bank and TrustSaint Louis, MO | A | 87.7 score | 165 | 1.8% | 6.13% |
| 14 | Midwest BankMonmouth, IL | A | 86.8 score | 211 | 2.8% | — |
| 15 | First National Bank of WaterlooWaterloo, IL | A | 86.0 score | 201 | 3.0% | 6.75% |
| 16 | Longview BankOgden, IL | A | 85.9 score | 438 | 2.3% | 6.25% |
| 17 | M/i FinancialColumbus, OH | A | 85.3 score | 726 | 3.7% | 5.88% |
| 18 | A & N Mortgage ServicesSpringfield, IL | A | 84.6 score | 1,332 | 0.0% | 6.63% |
| 19 | Charles Schwab BankWestlake, TX | A | 84.3 score | 218 | 6.0% | 5.63% |
| 20 | Gold Coast BankChicago, IL | A | 84.3 score | 234 | 2.6% | — |
| 21 | National Bank of St. AnneSt. Anne, IL | A | 84.0 score | 107 | 2.8% | — |
| 22 | Better BanksPeoria, IL | A | 84.0 score | 169 | 1.8% | — |
| 23 | Bank of PontiacPontiac, IL | A | 81.8 score | 285 | 2.5% | — |
| 24 | Cornerstone National Bank & TrustPalatine, IL | A | 81.7 score | 121 | 2.5% | 6.38% |
| 25 | Lakeview Community CapitalTucson, AZ | A | 81.6 score | 188 | 1.1% | 6.25% |
| 26 | Ruhl MortgageMoline, IL | A | 79.4 score | 195 | 1.0% | 6.38% |
| 27 | Northbrook Bank and Trust CompanyNorthbrook, IL | A | 78.3 score | 120 | 0.0% | — |
| 28 | Financial Plus Credit UnionOttawa, IL | A | 78.2 score | 235 | 8.1% | 5.75% |
| 29 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 820 | 5.7% | 6.75% |
| 30 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 372 | 5.1% | 6.63% |
| 31 | Unnamed lender 549300MEMKSF7703ZQ25 | A | 76.5 score | 159 | 5.0% | — |
| 32 | Central Bank IllinoisGeneseo, IL | A | 76.5 score | 366 | 2.7% | — |
| 33 | Movement MortgageLancaster, SC | A | 75.4 score | 756 | 7.5% | 6.75% |
| 34 | Flat Branch MortgageColumbia, MO | A | 75.1 score | 2,088 | 1.6% | 6.63% |
| 35 | University of Wisconsin Credit UnionMadison, WI | A | 75.0 score | 141 | 20.6% | 6.50% |
| 36 | Mld MortgageFlorham Park, NJ | A | 74.9 score | 1,406 | 2.6% | 6.63% |
| 37 | Delmar FinancialSaint Louis, MO | A | 74.8 score | 850 | 2.1% | 6.63% |
| 38 | First State Mortgage ServicesBloomington, IL | A | 73.8 score | 1,359 | 2.4% | 6.63% |
| 39 | Buena Vista National BankChester, IL | A | 73.8 score | 180 | 4.4% | — |
| 40 | First State Bank and TrustMonticello, IL | A | 73.8 score | 188 | 5.9% | — |
| 41 | CMG MortgageSan Ramon, CA | A | 73.7 score | 606 | 6.9% | 6.63% |
| 42 | The Anderson Financial GroupChicago, IL | A | 73.4 score | 366 | 0.3% | 6.38% |
| 43 | The Bradford National Bank of GreenvilleGreenville, IL | A | 73.3 score | 187 | 5.4% | — |
| 44 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 473 | 10.2% | 6.38% |
| 45 | Crown MortgageOak Lawn, IL | A | 72.9 score | 117 | 0.0% | 6.63% |
| 46 | First National Bank of BrookfieldBrookfield, IL | B | 72.8 score | 125 | 1.6% | — |
| 47 | Consumers Cooperative Credit UnionGurnee, IL | A | 72.7 score | 2,525 | 8.4% | 6.74% |
| 48 | HeartlandSpringfield, IL | A | 72.6 score | 482 | 7.5% | 7.00% |
| 49 | Lennar MortgageMiami, FL | A | 72.3 score | 1,245 | 7.0% | 5.50% |
| 50 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 169 | 4.7% | 6.99% |
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.
