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 | Security State BankSutherland, IA | A | 94.0 score | 106 | 0.9% | — |
| 2 | Mount Vernon Bank and TrustMount Vernon, IA | A | 93.3 score | 135 | 0.7% | — |
| 3 | Manufacturers Bank & TrustForest City, IA | A | 90.0 score | 149 | 1.3% | — |
| 4 | First State BankLynnville, IA | A | 88.5 score | 185 | 0.5% | — |
| 5 | Luana Savings BankLuana, IA | A | 85.6 score | 706 | 2.7% | 6.13% |
| 6 | Ohnward Bank & TrustCascade, IA | A | 83.3 score | 307 | 1.6% | — |
| 7 | First BankWaverly, IA | A | 83.0 score | 176 | 2.3% | — |
| 8 | Fidelity Bank & TrustDubuque, IA | A | 81.6 score | 772 | 3.4% | 5.95% |
| 9 | West Gate BankLincoln, NE | A | 81.5 score | 501 | 3.4% | 6.38% |
| 10 | The Shelby County State BankHarlan, IA | A | 81.3 score | 176 | 2.8% | — |
| 11 | Du Trac Community Credit UnionDubuque, IA | A | 80.8 score | 255 | 4.3% | 6.00% |
| 12 | PrimebankLe Mars, IA | A | 80.0 score | 317 | 3.8% | — |
| 13 | Washington State BankWashington, IA | A | 79.5 score | 281 | 4.3% | — |
| 14 | Ruhl MortgageMoline, IL | A | 79.4 score | 486 | 0.6% | 6.25% |
| 15 | Residential Mortgage NetworkIowa City, IA | A | 78.1 score | 598 | 0.8% | 6.50% |
| 16 | Cedar Falls Community Credit UnionCedar Falls, IA | A | 77.9 score | 294 | 5.1% | 5.88% |
| 17 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 313 | 1.9% | 6.75% |
| 18 | Glenwood State BankGlenwood, IA | A | 77.5 score | 151 | 1.3% | — |
| 19 | Hills Bank and TrustHills, IA | A | 75.7 score | 3,434 | 6.1% | 6.25% |
| 20 | Movement MortgageLancaster, SC | A | 75.4 score | 197 | 6.1% | 6.75% |
| 21 | Financial Plus Credit UnionWest Des Moines, IA | A | 75.2 score | 218 | 7.8% | 5.75% |
| 22 | Flat Branch MortgageColumbia, MO | A | 75.1 score | 358 | 0.3% | 6.56% |
| 23 | Mld MortgageFlorham Park, NJ | A | 74.9 score | 136 | 5.9% | 6.75% |
| 24 | MidWestOne BankIowa City, IA | A | 73.9 score | 1,488 | 15.4% | 6.00% |
| 25 | Farmers State BankMarion, IA | A | 73.8 score | 193 | 6.2% | 6.63% |
| 26 | CMG MortgageSan Ramon, CA | A | 73.7 score | 683 | 4.4% | 6.63% |
| 27 | American State BankSioux Center, IA | A | 73.3 score | 286 | 4.2% | — |
| 28 | Northwest BankSpencer, IA | A | 73.2 score | 2,181 | 5.7% | 6.38% |
| 29 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 201 | 7.5% | 6.63% |
| 30 | Fidelity BankThomson, IL | A | 71.5 score | 383 | 2.4% | — |
| 31 | Dupaco CommunityDubuque, IA | A | 71.2 score | 2,669 | 16.1% | 7.00% |
| 32 | Guild MortgageSan Diego, CA | A | 70.8 score | 711 | 2.1% | 6.63% |
| 33 | Frontier FinancialChesterfield, MO | A | 70.7 score | 175 | 0.0% | 6.63% |
| 34 | Central BankStorm Lake, IA | A | 67.5 score | 1,121 | 4.5% | 6.63% |
| 35 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 1,950 | 11.5% | 6.13% |
| 36 | Premier Credit UnionDes Moines, IA | A | 67.3 score | 742 | 12.1% | 7.00% |
| 37 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 991 | 10.5% | 5.38% |
| 38 | GREENSTATE Credit UnionNorth Liberty, IA | B | 66.3 score | 13,829 | 5.9% | 6.50% |
| 39 | Homeservices LendingUrbandale, IA | B | 66.2 score | 639 | 2.8% | 6.50% |
| 40 | Bankers TrustDes Moines, IA | B | 65.5 score | 734 | 8.0% | 6.38% |
| 41 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 328 | 10.1% | 6.38% |
| 42 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 428 | 3.5% | 6.75% |
| 43 | Compass MortgageWinfield, IL | B | 64.4 score | 272 | 4.8% | 6.63% |
| 44 | Zillow Home LoansIrvine, CA | B | 64.0 score | 107 | 7.5% | 6.63% |
| 45 | Farmers State BankWaterloo, IA | B | 63.9 score | 509 | 7.5% | 6.75% |
| 46 | American Bank and Trust CompanyDavenport, IA | B | 63.4 score | 110 | 4.6% | 6.50% |
| 47 | Guaranteed RateChicago, IL | B | 62.3 score | 1,023 | 6.7% | 6.50% |
| 48 | Cedar Rapids Bank and TrustCedar Rapids, IA | B | 61.5 score | 161 | 7.5% | — |
| 49 | City State BankNorwalk, IA | B | 60.3 score | 120 | 9.2% | — |
| 50 | Citizens State BankMonticello, IA | B | 60.3 score | 175 | 4.0% | — |
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.
