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 | Planters BankHopkinsville, KY | A | 94.3 score | 256 | 0.4% | — |
| 2 | Bank of Edmonson CountyBrownsville, KY | A | 92.8 score | 142 | 0.7% | — |
| 3 | Citizens Deposit Bank of ArlingtonArlington, KY | A | 89.0 score | 126 | 2.4% | — |
| 4 | The Commercial Bank of GraysonGrayson, KY | A | 88.5 score | 147 | 0.0% | — |
| 5 | United Southern BankHopkinsville, KY | A | 83.3 score | 116 | 0.9% | — |
| 6 | Town & Country Bank and TrustBardstown, KY | A | 80.8 score | 101 | 4.0% | — |
| 7 | German American BankJasper, IN | A | 80.5 score | 1,484 | 15.3% | 6.99% |
| 8 | Victory MortgageErlanger, KY | A | 80.5 score | 869 | 2.9% | 6.00% |
| 9 | The Farmers BankNicholasville, KY | A | 79.5 score | 140 | 3.6% | — |
| 10 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 187 | 7.0% | 6.63% |
| 11 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 1,591 | 3.4% | 6.63% |
| 12 | Wilson & Muir Bank & TrustBardstown, KY | A | 77.8 score | 385 | 3.1% | — |
| 13 | Republic State MortgageHouston, TX | A | 75.4 score | 372 | 3.2% | 6.38% |
| 14 | Movement MortgageLancaster, SC | A | 75.4 score | 458 | 4.8% | 6.63% |
| 15 | First United Bank and TrustMadisonville, KY | A | 75.0 score | 126 | 4.8% | — |
| 16 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 74.6 score | 528 | 2.5% | 6.38% |
| 17 | CMG MortgageSan Ramon, CA | A | 73.7 score | 316 | 5.4% | 6.63% |
| 18 | General Electric Credit UnionBlue Ash, OH | A | 73.7 score | 250 | 9.2% | 5.99% |
| 19 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 465 | 5.8% | 6.38% |
| 20 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 484 | 5.6% | 6.49% |
| 21 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 128 | 7.0% | 6.63% |
| 22 | Guild MortgageSan Diego, CA | A | 70.8 score | 135 | 5.9% | 6.38% |
| 23 | L & N Federal Credit UnionLouisville, KY | A | 70.6 score | 1,956 | 7.5% | 7.00% |
| 24 | Pulte MortgageWilmington, DE | A | 70.4 score | 254 | 11.4% | 5.50% |
| 25 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 696 | 8.8% | 6.38% |
| 26 | Ruoff Mortgage CompanyFort Wayne, IN | A | 69.7 score | 298 | 8.1% | 6.63% |
| 27 | NFMLinthicum, MD | A | 69.5 score | 284 | 1.1% | 6.88% |
| 28 | Union Savings BankCincinnati, OH | A | 69.4 score | 225 | 2.7% | 6.63% |
| 29 | Planet Home LendingMeriden, CT | B | 67.8 score | 323 | 17.0% | 6.25% |
| 30 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 6,871 | 9.8% | 6.50% |
| 31 | The Lincoln National Bank of HodgenvilleHodgenville, KY | B | 67.0 score | 229 | 6.6% | — |
| 32 | First Southern National BankLancaster, KY | B | 66.7 score | 532 | 2.3% | 7.50% |
| 33 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 294 | 11.9% | 5.50% |
| 34 | Franklin Bank & TrustFranklin, KY | B | 65.3 score | 123 | 2.4% | — |
| 35 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 1,450 | 9.3% | 6.50% |
| 36 | Renasant BankTupelo, MS | B | 65.2 score | 194 | 8.3% | 6.38% |
| 37 | Morgantown Bank & Trust CompanyMorgantown, KY | B | 64.8 score | 177 | 2.8% | 6.95% |
| 38 | T2 FinancialWesterville, OH | B | 64.7 score | 743 | 4.6% | 6.38% |
| 39 | Firsttrust Home LoansSheridan, AR | B | 64.6 score | 109 | 0.0% | 6.49% |
| 40 | GoPrime MortgageApex, NC | B | 64.6 score | 191 | 12.6% | 6.50% |
| 41 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 853 | 8.7% | 6.63% |
| 42 | Fbc MortgageOrlando, FL | B | 64.3 score | 248 | 1.6% | 5.12% |
| 43 | Zillow Home LoansIrvine, CA | B | 64.0 score | 159 | 7.6% | 6.63% |
| 44 | Central Bank & TrustLexington, KY | B | 63.7 score | 1,102 | 9.0% | 7.25% |
| 45 | MEMBERS HERITAGE Credit UnionLexington, KY | B | 63.1 score | 184 | 2.7% | 6.50% |
| 46 | Old National BankEvansville, IN | B | 63.0 score | 737 | 16.7% | 6.25% |
| 47 | Union Home MortgageStrongsville, OH | B | 62.8 score | 1,456 | 6.7% | 6.50% |
| 48 | Pike Creek Mortgage ServicesNewark, DE | B | 62.6 score | 377 | 3.2% | 6.50% |
| 49 | Premier LendingBurlingame, CA | B | 62.6 score | 142 | 0.7% | 6.25% |
| 50 | South Central BankGlasgow, KY | B | 62.5 score | 1,778 | 6.8% | 7.25% |
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.
