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 | Vermillion State BankVermillion, MN | A | 95.5 score | 112 | 0.0% | — |
| 2 | Minnesota National BankSauk Centre, MN | A | 94.3 score | 106 | 0.9% | — |
| 3 | BankVistaSartell, MN | A | 93.5 score | 130 | 0.0% | — |
| 4 | First State Bank SouthwestWorthington, MN | A | 91.5 score | 102 | 1.0% | — |
| 5 | Manufacturers Bank & TrustForest City, IA | A | 90.0 score | 104 | 1.0% | — |
| 6 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 160 | 5.0% | 6.00% |
| 7 | Midwest BankDetroit Lakes, MN | A | 86.8 score | 162 | 2.5% | — |
| 8 | Tradition MortgageLakeville, MN | A | 86.3 score | 1,112 | 0.2% | 6.63% |
| 9 | Sherburne State BankBecker, MN | A | 86.0 score | 247 | 3.2% | — |
| 10 | M/i FinancialColumbus, OH | A | 85.3 score | 661 | 0.9% | 5.88% |
| 11 | Lake Elmo BankLake Elmo, MN | A | 84.5 score | 129 | 3.9% | — |
| 12 | American National Bank of MinnesotaBrainerd, MN | A | 82.0 score | 118 | 2.5% | — |
| 13 | Sentry BankSt Joseph, MN | A | 80.3 score | 101 | 1.0% | — |
| 14 | The Bank of Elk RiverElk River, MN | A | 79.5 score | 115 | 4.4% | — |
| 15 | New Market BankElko New Market, MN | A | 79.5 score | 145 | 2.1% | — |
| 16 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 578 | 4.3% | 6.63% |
| 17 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 171 | 3.5% | 6.38% |
| 18 | Border BankFargo, ND | A | 77.3 score | 280 | 2.9% | — |
| 19 | Bell BankFargo, ND | A | 76.2 score | 7,987 | 5.3% | 6.63% |
| 20 | Merchants BankWinona, MN | A | 75.8 score | 1,435 | 5.1% | 6.25% |
| 21 | Movement MortgageLancaster, SC | A | 75.4 score | 634 | 2.5% | 6.75% |
| 22 | Topline Financial Credit UnionMaple Grove, MN | A | 75.0 score | 979 | 17.0% | 5.99% |
| 23 | Deerwood BankBaxter, | A | 74.2 score | 1,074 | 4.8% | 7.25% |
| 24 | MidWestOne BankIowa City, IA | A | 73.9 score | 341 | 22.3% | 5.99% |
| 25 | Citizens Bank MinnesotaNew Ulm, MN | A | 73.8 score | 160 | 5.0% | — |
| 26 | CMG MortgageSan Ramon, CA | A | 73.7 score | 1,098 | 3.1% | 6.75% |
| 27 | Peoples State Bank of PlainviewPlainview, MN | A | 73.3 score | 156 | 7.1% | — |
| 28 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 256 | 7.0% | 6.38% |
| 29 | Lennar MortgageMiami, FL | A | 72.3 score | 1,688 | 3.3% | 5.88% |
| 30 | IDEAL Credit UnionWoodbury, MN | A | 71.6 score | 957 | 20.4% | 4.49% |
| 31 | Rf Renovo Management CompanyChicago, IL | B | 71.3 score | 102 | 0.0% | 10.25% |
| 32 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 976 | 4.6% | 6.63% |
| 33 | Guild MortgageSan Diego, CA | A | 70.8 score | 1,061 | 2.5% | 6.75% |
| 34 | Pulte MortgageWilmington, DE | A | 70.4 score | 609 | 10.5% | 6.25% |
| 35 | Liberty Bank MinnesotaSt. Cloud, MN | A | 70.4 score | 335 | 3.0% | 6.75% |
| 36 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 2,141 | 3.6% | 6.63% |
| 37 | Megastar FinancialDenver, CO | A | 69.7 score | 238 | 0.4% | 6.63% |
| 38 | Foresight BankPlainview, MN | B | 69.3 score | 108 | 7.4% | — |
| 39 | Swbc MortgageSan Antonio, TX | A | 69.1 score | 576 | 3.5% | 6.63% |
| 40 | Cambria Financial GroupEden Prairie, MN | B | 68.9 score | 573 | 3.3% | 6.50% |
| 41 | Florida Capital BankJacksonville, FL | A | 68.7 score | 177 | 4.0% | 6.49% |
| 42 | Wings Financial Credit UnionApple Valley, MN | A | 68.1 score | 3,960 | 16.4% | 7.25% |
| 43 | Planet Home LendingMeriden, CT | B | 67.8 score | 203 | 9.4% | 6.38% |
| 44 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 8,694 | 10.6% | 6.38% |
| 45 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 865 | 5.7% | 5.50% |
| 46 | Security Bank & TrustGlencoe, MN | B | 65.8 score | 115 | 2.6% | — |
| 47 | Choice Financial GroupFargo, ND | B | 65.4 score | 103 | 4.9% | 6.63% |
| 48 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 1,028 | 12.1% | 6.49% |
| 49 | Regent Financial GroupOmaha, NE | B | 65.2 score | 110 | 0.0% | 6.49% |
| 50 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 3,327 | 3.2% | 6.75% |
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.
