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 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 510 | 0.0% | 7.50% |
| 2 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 251 | 2.4% | 5.95% |
| 3 | First Savings MortgageMclean, VA | A | 82.6 score | 569 | 0.7% | 6.50% |
| 4 | Intercoastal MortgageReston, VA | A | 82.4 score | 220 | 0.5% | 6.49% |
| 5 | Lakeview Community CapitalTucson, AZ | A | 81.6 score | 155 | 2.6% | 6.13% |
| 6 | Atlantic Coast MortgageFairfax, VA | A | 79.6 score | 749 | 1.5% | 6.63% |
| 7 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 514 | 3.3% | 6.63% |
| 8 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 128 | 3.9% | 6.25% |
| 9 | First Colony MortgageOrem, UT | A | 77.3 score | 119 | 9.2% | 6.38% |
| 10 | Keystone FundingDover, DE | A | 76.9 score | 217 | 4.2% | 6.49% |
| 11 | Movement MortgageLancaster, SC | A | 75.4 score | 1,486 | 5.5% | 6.63% |
| 12 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 74.6 score | 243 | 1.2% | 6.49% |
| 13 | Bank-Fund Staff Federal Credit UnionWashington, DC | A | 74.6 score | 501 | 10.4% | 6.50% |
| 14 | Orrstown BankHarrisburg, PA | A | 74.3 score | 231 | 20.8% | 4.35% |
| 15 | CMG MortgageSan Ramon, CA | A | 73.7 score | 1,851 | 2.0% | 6.50% |
| 16 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 472 | 6.1% | 6.38% |
| 17 | Lennar MortgageMiami, FL | A | 72.3 score | 1,008 | 7.1% | 6.38% |
| 18 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 208 | 5.3% | 6.49% |
| 19 | Rosedale Federal Savings and Loan AssociationNottingham, MD | A | 72.0 score | 212 | 1.9% | — |
| 20 | First Heritage MortgageFairfax, VA | A | 71.6 score | 1,521 | 3.4% | 6.38% |
| 21 | Rf Renovo Management CompanyChicago, IL | B | 71.3 score | 379 | 0.0% | 9.50% |
| 22 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 718 | 3.1% | 6.58% |
| 23 | Vellum MortgageFairfax, VA | A | 71.1 score | 655 | 2.6% | 6.63% |
| 24 | Guild MortgageSan Diego, CA | A | 70.8 score | 1,314 | 4.5% | 6.50% |
| 25 | POINT BREEZE Credit UnionHunt Valley, MD | A | 70.5 score | 368 | 7.3% | 5.88% |
| 26 | Pulte MortgageWilmington, DE | A | 70.4 score | 379 | 9.0% | 6.13% |
| 27 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 1,767 | 6.3% | 6.63% |
| 28 | NFMLinthicum, MD | A | 69.5 score | 2,831 | 1.4% | 6.63% |
| 29 | Swbc MortgageSan Antonio, TX | A | 69.1 score | 562 | 3.4% | 6.63% |
| 30 | APL Federal Credit UnionLaurel, MD | A | 68.0 score | 408 | 8.8% | 7.50% |
| 31 | Planet Home LendingMeriden, CT | B | 67.8 score | 241 | 21.2% | 5.75% |
| 32 | Ameris BankAtlanta, GA | B | 67.8 score | 641 | 7.8% | 6.49% |
| 33 | Emet Lending GroupBrea, CA | A | 67.7 score | 110 | 0.0% | 7.13% |
| 34 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 9,307 | 16.0% | 6.13% |
| 35 | PatriotFranklin, PA | A | 67.4 score | 269 | 26.0% | 4.99% |
| 36 | Alcova MortgageRoanoke, VA | A | 67.0 score | 298 | 3.4% | 6.63% |
| 37 | First Peoples Community Federal Credit UnionCumberland, MD | B | 66.3 score | 186 | 4.3% | 6.38% |
| 38 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 1,140 | 13.8% | 5.50% |
| 39 | Jet HomeloansJacksonville, FL | A | 65.9 score | 132 | 1.5% | 6.50% |
| 40 | Embrace Home LoansMiddletown, RI | A | 65.3 score | 1,170 | 6.3% | 6.63% |
| 41 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 1,864 | 7.8% | 6.49% |
| 42 | Southern Trust MortgageVirginia Beach, VA | B | 64.7 score | 180 | 0.0% | 6.63% |
| 43 | T2 FinancialWesterville, OH | B | 64.7 score | 239 | 5.4% | 6.63% |
| 44 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 1,526 | 4.8% | 6.63% |
| 45 | NVR Mortgage FinanceReston, VA | B | 64.1 score | 2,739 | 19.7% | 6.25% |
| 46 | Zillow Home LoansIrvine, CA | B | 64.0 score | 468 | 5.1% | 6.50% |
| 47 | Direct Mortgage LoansHunt Valley, MD | B | 62.8 score | 1,449 | 1.6% | 6.63% |
| 48 | Union Home MortgageStrongsville, OH | B | 62.8 score | 475 | 9.7% | 6.50% |
| 49 | United Nations Federal Credit UnionNew York, NY | B | 62.7 score | 171 | 8.8% | 5.75% |
| 50 | Velocity Commercial CapitalWestlake Village, CA | B | 62.3 score | 224 | 0.5% | 10.37% |
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.
