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 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 556 | 2.2% | 5.83% |
| 2 | Leader BankArlington, MA | A | 87.6 score | 5,913 | 1.8% | 6.25% |
| 3 | Charles Schwab BankWestlake, TX | A | 84.3 score | 179 | 4.5% | 5.50% |
| 4 | Liberty BankMiddletown, CT | A | 83.3 score | 341 | 5.9% | 5.88% |
| 5 | Middlesex Savings BankNatick, MA | A | 83.3 score | 1,450 | 9.5% | 6.63% |
| 6 | General Mortgage CapitalBurlingame, CA | A | 81.1 score | 357 | 1.7% | 6.38% |
| 7 | Homestead FundingAlbany, NY | A | 80.2 score | 176 | 1.7% | 6.49% |
| 8 | Cape Cod Co-operative BankBarnstable, MA | A | 79.0 score | 236 | 1.3% | — |
| 9 | Dedham Institution for SavingsDedham, MA | A | 78.7 score | 359 | 3.9% | 6.38% |
| 10 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 497 | 11.5% | 6.68% |
| 11 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 141 | 9.9% | 6.50% |
| 12 | First Colony MortgageOrem, UT | A | 77.3 score | 179 | 5.6% | 6.63% |
| 13 | Keystone FundingDover, DE | A | 76.9 score | 219 | 4.6% | 6.49% |
| 14 | BayCoast BankSwansea, MA | A | 75.6 score | 620 | 11.6% | 7.25% |
| 15 | Movement MortgageLancaster, SC | A | 75.4 score | 1,862 | 4.4% | 6.63% |
| 16 | Mld MortgageFlorham Park, NJ | A | 74.9 score | 185 | 4.9% | 6.38% |
| 17 | CMG MortgageSan Ramon, CA | A | 73.7 score | 3,435 | 5.8% | 6.63% |
| 18 | Cambridge Savings BankCambridge, MA | A | 73.6 score | 1,289 | 6.4% | 6.49% |
| 19 | Watertown Savings BankWatertown, MA | A | 73.0 score | 123 | 1.6% | — |
| 20 | Baycoast Mortgage CompanySwansea, MA | A | 72.1 score | 783 | 5.5% | 6.50% |
| 21 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 299 | 5.4% | 6.63% |
| 22 | Rf Renovo Management CompanyChicago, IL | B | 71.3 score | 542 | 0.0% | 9.75% |
| 23 | Central One Federal Credit UnionShrewsbury, MA | A | 71.3 score | 745 | 13.8% | 6.50% |
| 24 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 1,171 | 3.3% | 6.50% |
| 25 | bankESBEasthampton, MA | A | 71.0 score | 1,770 | 7.5% | 6.13% |
| 26 | Colorado Federal Savings BankGreenwood Village, CO | A | 70.9 score | 362 | 5.3% | 6.38% |
| 27 | Martha's Vineyard BankEdgartown, MA | A | 70.8 score | 119 | 5.0% | — |
| 28 | Guild MortgageSan Diego, CA | A | 70.8 score | 3,089 | 4.1% | 6.50% |
| 29 | Pulte MortgageWilmington, DE | A | 70.4 score | 171 | 2.9% | 6.50% |
| 30 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 249 | 7.6% | 6.50% |
| 31 | Savers Co-operative BankSouthbridge, MA | B | 69.8 score | 105 | 5.7% | — |
| 32 | NFMLinthicum, MD | A | 69.5 score | 297 | 1.4% | 6.63% |
| 33 | UBS Bank USASalt Lake City, UT | A | 68.9 score | 154 | 4.6% | 5.88% |
| 34 | Salem Five Cents Savings BankSalem, MA | A | 68.7 score | 1,448 | 14.4% | 5.99% |
| 35 | Norwood Co-operative BankNorwood, MA | B | 68.5 score | 165 | 6.1% | — |
| 36 | East Cambridge Savings BankCambridge, MA | B | 68.0 score | 198 | 5.6% | — |
| 37 | Fidelity Co-operative BankLeominster, MA | A | 68.0 score | 512 | 17.4% | 5.99% |
| 38 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 5,898 | 12.8% | 6.50% |
| 39 | Enterprise Bank and TrustLowell, MA | B | 67.4 score | 162 | 2.5% | 6.69% |
| 40 | Northpoint MortgageSturbridge, MA | A | 67.4 score | 541 | 3.9% | 6.63% |
| 41 | NBT BankNorwich, NY | B | 66.7 score | 142 | 21.8% | 4.99% |
| 42 | Country Bank for SavingsWare, MA | B | 66.4 score | 714 | 12.0% | 7.25% |
| 43 | Cape Ann Savings BankGloucester, MA | B | 66.3 score | 154 | 6.5% | — |
| 44 | COASTAL1 Credit UnionPawtucket, RI | B | 66.0 score | 324 | 19.1% | 6.75% |
| 45 | Embrace Home LoansMiddletown, RI | A | 65.3 score | 335 | 4.5% | 6.50% |
| 46 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 2,022 | 9.7% | 6.38% |
| 47 | Salem Five Mortgage CompanySalem, MA | A | 65.1 score | 1,525 | 9.1% | 6.25% |
| 48 | Everett Co-operative BankEverett, MA | B | 65.0 score | 229 | 5.7% | — |
| 49 | T2 FinancialWesterville, OH | B | 64.7 score | 301 | 6.6% | 6.63% |
| 50 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 2,658 | 6.1% | 6.63% |
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.
