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 | Citizens Bank & Trust Company of Vivian, LouisianaVivian, LA | A | 93.3 score | 304 | 0.3% | — |
| 2 | Unnamed lender 254900K0IC4K6SI7H003 | A | 90.0 score | 111 | 0.0% | — |
| 3 | Citizens Progressive BankWinnsboro, LA | A | 84.8 score | 214 | 1.9% | — |
| 4 | Unnamed lender 254900GVA8WBFNUQTV33 | A | 84.8 score | 238 | 0.4% | — |
| 5 | American Bank & TrustOpelousas, LA | A | 83.3 score | 122 | 0.8% | — |
| 6 | Marion State BankMarion, LA | A | 81.3 score | 132 | 0.8% | — |
| 7 | The BankJennings, LA | A | 78.0 score | 160 | 1.3% | — |
| 8 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 257 | 13.2% | 6.63% |
| 9 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 461 | 1.1% | 6.38% |
| 10 | Century Next BankRuston, LA | A | 76.5 score | 158 | 1.3% | — |
| 11 | Movement MortgageLancaster, SC | A | 75.4 score | 1,676 | 2.5% | 6.56% |
| 12 | CMG MortgageSan Ramon, CA | A | 73.7 score | 371 | 6.7% | 6.63% |
| 13 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 252 | 6.8% | 6.49% |
| 14 | Commercial Capital BankDelhi, LA | B | 71.3 score | 128 | 2.3% | — |
| 15 | Colorado Federal Savings BankGreenwood Village, CO | A | 70.9 score | 110 | 1.8% | 6.50% |
| 16 | Guild MortgageSan Diego, CA | A | 70.8 score | 873 | 5.6% | 6.50% |
| 17 | LoansteadyMclean, VA | A | 69.8 score | 363 | 2.2% | 6.50% |
| 18 | Guaranty Bank & Trust Company of Delhi, LouisianaDelhi, LA | B | 69.0 score | 352 | 2.0% | — |
| 19 | Citizens National BankBossier City, LA | B | 68.8 score | 183 | 8.2% | — |
| 20 | Homeland BancsharesColumbia, LA | B | 68.3 score | 363 | 5.0% | — |
| 21 | Abbeville Building & Loan (A State-Chartered Savings Bank)Abbeville, LA | B | 68.0 score | 219 | 7.3% | — |
| 22 | Planet Home LendingMeriden, CT | B | 67.8 score | 746 | 15.4% | 6.38% |
| 23 | GMFSBaton Rouge, LA | A | 67.7 score | 3,072 | 2.0% | 6.50% |
| 24 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 6,264 | 13.1% | 6.38% |
| 25 | Citizens Savings BankBogalusa, LA | B | 67.0 score | 249 | 5.6% | — |
| 26 | Dsld MortgageDover, DE | A | 66.8 score | 2,545 | 6.3% | 6.13% |
| 27 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 1,725 | 24.0% | 4.63% |
| 28 | Home Federal BankShreveport, LA | B | 66.0 score | 199 | 4.0% | 6.75% |
| 29 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 1,931 | 12.6% | 6.63% |
| 30 | Renasant BankTupelo, MS | B | 65.2 score | 242 | 12.0% | 7.50% |
| 31 | Eagle Bank and TrustLittle Rock, AR | A | 65.1 score | 491 | 3.3% | 6.50% |
| 32 | T2 FinancialWesterville, OH | B | 64.7 score | 212 | 9.9% | 6.63% |
| 33 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 394 | 3.8% | 6.64% |
| 34 | Resource BankCovington, LA | B | 64.3 score | 195 | 2.6% | — |
| 35 | Zillow Home LoansIrvine, CA | B | 64.0 score | 111 | 9.9% | 6.63% |
| 36 | Towne MortgageTroy, MI | B | 63.6 score | 359 | 2.2% | 6.25% |
| 37 | Community First BankNew Iberia, LA | B | 63.0 score | 177 | 1.7% | — |
| 38 | OnPath Federal Credit UnionMetairie, LA | B | 62.8 score | 416 | 9.1% | 6.60% |
| 39 | Union Home MortgageStrongsville, OH | B | 62.8 score | 482 | 9.5% | 6.38% |
| 40 | Velocity Commercial CapitalWestlake Village, CA | B | 62.3 score | 191 | 0.5% | 10.37% |
| 41 | Guaranteed RateChicago, IL | B | 62.3 score | 354 | 13.0% | 6.59% |
| 42 | Farmers-Merchants Bank & TrustBreaux Bridge, LA | B | 62.0 score | 106 | 8.5% | — |
| 43 | Affordable Mortgage Advisors, LLC.Pittsburgh, PA | B | 61.5 score | 138 | 1.5% | 6.39% |
| 44 | The Mortgage FirmAltamonte Springs, FL | B | 61.3 score | 211 | 3.8% | 6.75% |
| 45 | Paramount Residential Mortgage GroupCorona, CA | B | 61.3 score | 181 | 0.6% | 6.63% |
| 46 | Sun West Mortgage CompanyCerritos, CA | B | 61.0 score | 184 | 22.8% | 6.33% |
| 47 | Campus Federal Credit UnionBaton Rouge, LA | B | 60.6 score | 197 | 10.2% | 6.25% |
| 48 | The Cottonport BankCottonport, LA | B | 60.0 score | 214 | 7.5% | — |
| 49 | Canopy MortgageLindon, UT | B | 59.2 score | 267 | 1.9% | 6.63% |
| 50 | BankPlusRidgeland, MS | B | 58.9 score | 391 | 10.2% | 7.50% |
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.
