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 | The North Salem State BankNorth Salem, IN | A | 90.8 score | 209 | 1.9% | — |
| 2 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 178 | 0.0% | 7.75% |
| 3 | M/i FinancialColumbus, OH | A | 85.3 score | 535 | 7.1% | 5.38% |
| 4 | The National Bank of IndianapolisIndianapolis, IN | A | 80.8 score | 553 | 2.4% | — |
| 5 | German American BankJasper, IN | A | 80.5 score | 2,736 | 16.4% | 6.88% |
| 6 | Victory MortgageErlanger, KY | A | 80.5 score | 382 | 5.0% | 6.13% |
| 7 | Crossroads BankWabash, IN | A | 79.3 score | 232 | 4.7% | — |
| 8 | Farmers State BankLagrange, IN | A | 78.3 score | 576 | 8.7% | 7.49% |
| 9 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 417 | 3.8% | 6.88% |
| 10 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 225 | 2.7% | 6.50% |
| 11 | Movement MortgageLancaster, SC | A | 75.4 score | 471 | 5.7% | 6.88% |
| 12 | Flat Branch MortgageColumbia, MO | A | 75.1 score | 347 | 1.2% | 6.63% |
| 13 | Centra Credit UnionColumbus, IN | A | 74.5 score | 2,991 | 7.8% | 5.63% |
| 14 | CMG MortgageSan Ramon, CA | A | 73.7 score | 1,651 | 4.7% | 6.75% |
| 15 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 298 | 6.0% | 6.38% |
| 16 | Lennar MortgageMiami, FL | A | 72.3 score | 2,761 | 14.0% | 4.99% |
| 17 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 515 | 6.2% | 6.88% |
| 18 | The New Washington State BankNew Washington, IN | A | 71.5 score | 124 | 4.8% | — |
| 19 | Taylor Morrison Home FundingMaitland, FL | A | 71.4 score | 331 | 16.3% | 4.99% |
| 20 | Rf Renovo Management CompanyChicago, IL | B | 71.3 score | 158 | 0.6% | 7.40% |
| 21 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 142 | 11.3% | 6.63% |
| 22 | Guild MortgageSan Diego, CA | A | 70.8 score | 1,824 | 3.8% | 6.63% |
| 23 | L & N Federal Credit UnionLouisville, KY | A | 70.6 score | 175 | 9.1% | 7.00% |
| 24 | Pulte MortgageWilmington, DE | A | 70.4 score | 862 | 11.8% | 5.50% |
| 25 | University BankAnn Arbor, MI | A | 70.4 score | 275 | 0.7% | 6.25% |
| 26 | Howard Hanna Financial ServicesPittsburgh, PA | A | 70.2 score | 415 | 2.9% | 6.63% |
| 27 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 560 | 9.6% | 6.50% |
| 28 | The Peoples State BankEllettsville, IN | B | 69.8 score | 209 | 5.3% | — |
| 29 | FCN BankBrookville, IN | B | 69.8 score | 236 | 5.5% | — |
| 30 | Ruoff Mortgage CompanyFort Wayne, IN | A | 69.7 score | 8,860 | 4.0% | 6.75% |
| 31 | Union Savings BankCincinnati, OH | A | 69.4 score | 1,831 | 3.2% | 6.63% |
| 32 | Mortgage Masters of IndianaEvansville, IN | B | 69.3 score | 961 | 2.8% | 6.50% |
| 33 | Horizon BankMichigan City, IN | A | 69.1 score | 2,853 | 20.9% | 6.00% |
| 34 | Encompass Federal Credit UnionTipton, IN | B | 68.8 score | 102 | 6.9% | — |
| 35 | First State Bank of MiddleburyMiddlebury, IN | B | 68.0 score | 187 | 5.4% | — |
| 36 | BoxCar MortgageAtlanta, GA | A | 68.0 score | 213 | 1.4% | 6.75% |
| 37 | Planet Home LendingMeriden, CT | B | 67.8 score | 337 | 15.7% | 5.99% |
| 38 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 8,659 | 12.2% | 6.38% |
| 39 | The Riddell National BankBrazil, IN | B | 67.2 score | 280 | 3.9% | 7.50% |
| 40 | Mjw FinancialIndianapolis, IN | A | 66.7 score | 1,610 | 2.2% | 6.62% |
| 41 | First Federal Savings BankRochester, IN | A | 66.4 score | 1,096 | 1.6% | 7.00% |
| 42 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 1,741 | 14.7% | 5.25% |
| 43 | GREENSTATE Credit UnionNorth Liberty, IA | B | 66.3 score | 207 | 44.9% | 7.30% |
| 44 | Lake City BankWarsaw, IN | B | 65.5 score | 2,361 | 11.7% | 7.75% |
| 45 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 4,366 | 9.8% | 6.50% |
| 46 | The Campbell & Fetter BankKendallville, IN | B | 65.1 score | 178 | 6.7% | 7.63% |
| 47 | Inspire Home LoansNewport Beach, CA | B | 64.8 score | 130 | 6.2% | 6.25% |
| 48 | T2 FinancialWesterville, OH | B | 64.7 score | 136 | 5.9% | 6.75% |
| 49 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 4,813 | 7.4% | 6.75% |
| 50 | Fbc MortgageOrlando, FL | B | 64.3 score | 114 | 1.8% | 4.99% |
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.
