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 | 161 | 0.0% | 9.53% |
| 2 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 234 | 4.7% | 6.05% |
| 3 | Range BankMarquette, MI | A | 88.0 score | 314 | 2.6% | — |
| 4 | Stifel Bank and TrustSaint Louis, MO | A | 87.7 score | 102 | 1.0% | 6.13% |
| 5 | M/i FinancialColumbus, OH | A | 85.3 score | 243 | 2.1% | 5.88% |
| 6 | Unnamed lender 254900DIWCHEQWZ9GV45 | A | 84.7 score | 134 | 3.0% | 7.00% |
| 7 | Lake Michigan Credit UnionGrand Rapids, MI | A | 79.7 score | 16,662 | 5.6% | 6.75% |
| 8 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 405 | 4.7% | 6.88% |
| 9 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 492 | 1.4% | 6.63% |
| 10 | Michigan EducationalPlymouth, MI | A | 77.6 score | 510 | 12.2% | 6.75% |
| 11 | First Colony MortgageOrem, UT | A | 77.3 score | 225 | 4.4% | 6.50% |
| 12 | Movement MortgageLancaster, SC | A | 75.4 score | 557 | 8.3% | 6.75% |
| 13 | First State BankClinton Township, MI | A | 74.3 score | 1,150 | 4.2% | 6.63% |
| 14 | CMG MortgageSan Ramon, CA | A | 73.7 score | 751 | 5.7% | 6.75% |
| 15 | Sturgis Bank & TrustSturgis, MI | A | 73.6 score | 824 | 3.4% | 6.85% |
| 16 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 265 | 15.1% | 6.38% |
| 17 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 890 | 4.8% | 6.63% |
| 18 | Rf Renovo Management CompanyChicago, IL | B | 71.3 score | 276 | 0.4% | 7.40% |
| 19 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 148 | 5.4% | 6.49% |
| 20 | GreenStone Farm Credit Services, FLCAEast Lansing, MI | A | 70.8 score | 1,292 | 1.2% | 6.75% |
| 21 | Guild MortgageSan Diego, CA | A | 70.8 score | 1,097 | 3.2% | 6.75% |
| 22 | Pulte MortgageWilmington, DE | A | 70.4 score | 632 | 5.1% | 6.50% |
| 23 | University BankAnn Arbor, MI | A | 70.4 score | 650 | 4.2% | 6.63% |
| 24 | Howard Hanna Financial ServicesPittsburgh, PA | A | 70.2 score | 109 | 2.8% | 6.63% |
| 25 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 506 | 11.3% | 6.63% |
| 26 | University of Michigan Credit UnionAnn Arbor, MI | A | 69.9 score | 1,188 | 5.9% | 7.50% |
| 27 | Ruoff Mortgage CompanyFort Wayne, IN | A | 69.7 score | 1,052 | 6.7% | 6.63% |
| 28 | Kalsee Credit UnionKalamazoo, MI | A | 69.1 score | 283 | 3.2% | 6.63% |
| 29 | Horizon BankMichigan City, IN | A | 69.1 score | 1,144 | 21.3% | 6.13% |
| 30 | Wings Financial Credit UnionApple Valley, MN | A | 68.1 score | 111 | 19.8% | 7.25% |
| 31 | Planet Home LendingMeriden, CT | B | 67.8 score | 315 | 18.4% | 5.99% |
| 32 | Superior National BankHancock, MI | B | 67.6 score | 835 | 3.1% | 6.63% |
| 33 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 29,330 | 11.7% | 6.60% |
| 34 | Nicolet National BankGreen Bay, WI | A | 67.3 score | 486 | 4.9% | 7.38% |
| 35 | Mortgage 1Sterling Heights, MI | A | 66.9 score | 4,161 | 2.0% | 6.63% |
| 36 | Community Financial Credit UnionPlymouth, MI | B | 66.5 score | 1,750 | 15.8% | 7.25% |
| 37 | Toll Brothers MortgageWilmington, DE | A | 66.3 score | 115 | 13.9% | 6.38% |
| 38 | Michigan United Credit UnionBirmingham, MI | B | 66.3 score | 328 | 11.3% | 4.74% |
| 39 | GREENSTATE Credit UnionNorth Liberty, IA | B | 66.3 score | 955 | 44.0% | 8.09% |
| 40 | Mms Mortgage ServicesFarmington Hills, MI | B | 66.1 score | 245 | 4.1% | 6.49% |
| 41 | Marshall Community Credit UnionMarshall, MI | B | 65.8 score | 344 | 0.6% | 7.13% |
| 42 | Dfcu FinancialDearborn, MI | B | 65.8 score | 4,346 | 13.3% | 6.25% |
| 43 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 4,921 | 11.0% | 6.63% |
| 44 | Directions Credit UnionToledo, OH | B | 65.1 score | 176 | 13.6% | 6.75% |
| 45 | Community West Credit UnionKentwood, MI | B | 64.9 score | 166 | 10.8% | 7.00% |
| 46 | T2 FinancialWesterville, OH | B | 64.7 score | 204 | 5.9% | 6.75% |
| 47 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 455 | 5.3% | 6.63% |
| 48 | Staunton FinancialSouthfield, MI | B | 64.4 score | 2,833 | 4.4% | 6.63% |
| 49 | Zillow Home LoansIrvine, CA | B | 64.0 score | 842 | 5.1% | 6.63% |
| 50 | Mortgage AccessMorris Plains, NJ | B | 63.6 score | 109 | 3.7% | 6.49% |
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.
