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 First National Bank of HutchinsonHutchinson, KS | A | 90.5 score | 227 | 1.3% | — |
| 2 | First State Bank of St. Charles, MissouriSt. Charles, MO | A | 90.2 score | 606 | 0.0% | 6.50% |
| 3 | Garden Plain State BankWichita, KS | A | 89.0 score | 122 | 2.5% | — |
| 4 | Community National BankSeneca, KS | A | 88.5 score | 253 | 1.6% | — |
| 5 | Heritage BankTopeka, KS | A | 88.0 score | 106 | 0.0% | — |
| 6 | Community BankTopeka, KS | A | 88.0 score | 123 | 2.4% | — |
| 7 | The Kaw Valley State Bank and Trust Company, of Wamego, KansasWamego, KS | A | 87.3 score | 174 | 2.3% | — |
| 8 | Home Bank and TrustEureka, KS | A | 80.3 score | 158 | 2.5% | 6.88% |
| 9 | Labette BankAltamont, KS | A | 79.8 score | 116 | 4.3% | — |
| 10 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 584 | 3.4% | 6.75% |
| 11 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 304 | 1.6% | 6.75% |
| 12 | Mid-America BankBaldwin City, KS | A | 77.4 score | 567 | 0.2% | 7.00% |
| 13 | Bell BankFargo, ND | A | 76.2 score | 460 | 4.1% | 6.50% |
| 14 | Movement MortgageLancaster, SC | A | 75.4 score | 100 | 6.0% | 6.75% |
| 15 | Flat Branch MortgageColumbia, MO | A | 75.1 score | 1,455 | 0.6% | 6.63% |
| 16 | ESB FinancialEmporia, KS | A | 75.0 score | 132 | 1.5% | 6.75% |
| 17 | Exchange BankKearney, NE | A | 74.9 score | 258 | 2.7% | 6.63% |
| 18 | Community MortgageKansas City, MO | A | 74.2 score | 188 | 0.5% | 6.50% |
| 19 | Oakstar BankSpringfield, MO | A | 74.1 score | 120 | 6.7% | 7.00% |
| 20 | Equity BankWichita, KS | A | 74.0 score | 609 | 17.9% | 6.25% |
| 21 | CMG MortgageSan Ramon, CA | A | 73.7 score | 232 | 6.0% | 6.00% |
| 22 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 116 | 6.9% | 6.38% |
| 23 | The Union State Bank of EverestEverest, KS | A | 73.0 score | 144 | 6.9% | — |
| 24 | Stride BankEnid, OK | A | 72.4 score | 117 | 8.6% | 6.75% |
| 25 | The Bennington State BankSt Salina, KS | A | 70.8 score | 335 | 4.2% | — |
| 26 | Guild MortgageSan Diego, CA | A | 70.8 score | 1,549 | 3.6% | 6.63% |
| 27 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 387 | 4.1% | 6.63% |
| 28 | Landmark National BankManhattan, KS | B | 69.0 score | 875 | 4.0% | 6.38% |
| 29 | Community First National BankManhattan, KS | B | 68.0 score | 254 | 4.3% | — |
| 30 | Mutual Savings AssociationLeavenworth, KS | B | 67.8 score | 118 | 3.4% | — |
| 31 | Planet Home LendingMeriden, CT | B | 67.8 score | 413 | 9.7% | 6.38% |
| 32 | Union State BankArkansas City, KS | B | 67.5 score | 160 | 5.6% | — |
| 33 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 2,545 | 11.4% | 6.38% |
| 34 | KS StateBankManhattan, KS | B | 67.1 score | 210 | 2.9% | 7.79% |
| 35 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 483 | 7.3% | 6.49% |
| 36 | Regent Financial GroupOmaha, NE | B | 65.2 score | 173 | 0.0% | 6.50% |
| 37 | Peoples Bank and TrustMcpherson, KS | A | 65.1 score | 1,284 | 4.7% | 7.00% |
| 38 | T2 FinancialWesterville, OH | B | 64.7 score | 140 | 0.7% | 6.99% |
| 39 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 2,360 | 2.0% | 6.63% |
| 40 | Zillow Home LoansIrvine, CA | B | 64.0 score | 116 | 4.3% | 6.50% |
| 41 | Bank of the Flint HillsWamego, KS | B | 62.8 score | 210 | 5.7% | — |
| 42 | Union Home MortgageStrongsville, OH | B | 62.8 score | 413 | 9.2% | 6.50% |
| 43 | The Denison State BankHolton, KS | B | 62.5 score | 121 | 7.4% | — |
| 44 | Guaranteed RateChicago, IL | B | 62.3 score | 351 | 8.3% | 6.50% |
| 45 | Communityamerica Credit UnionLenexa, KS | B | 61.1 score | 3,575 | 12.4% | 6.38% |
| 46 | First Option BankPaola, KS | B | 61.0 score | 130 | 10.8% | — |
| 47 | Sun West Mortgage CompanyCerritos, CA | B | 61.0 score | 177 | 6.8% | 6.38% |
| 48 | M Squared FinancialPrairie Village, KS | B | 60.0 score | 390 | 1.0% | 6.63% |
| 49 | Sunflower BankDallas, TX | B | 59.9 score | 333 | 10.2% | 6.38% |
| 50 | Canopy MortgageLindon, UT | B | 59.2 score | 162 | 0.6% | 6.75% |
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.
