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 | CenturyFirst Federal Credit UnionHattiesburg, MS | A | 96.5 score | 119 | 0.0% | — |
| 2 | The Bank of ForestForest, MS | A | 92.3 score | 111 | 0.9% | — |
| 3 | Citizens BankColumbia, MS | A | 78.5 score | 364 | 5.0% | — |
| 4 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 274 | 5.5% | 6.63% |
| 5 | First Colony MortgageOrem, UT | A | 77.3 score | 185 | 5.4% | 6.50% |
| 6 | Great Southern BankMeridian, MS | A | 77.0 score | 104 | 4.8% | — |
| 7 | Delmar FinancialSaint Louis, MO | A | 74.8 score | 114 | 0.9% | 6.49% |
| 8 | CMG MortgageSan Ramon, CA | A | 73.7 score | 1,161 | 5.9% | 6.25% |
| 9 | Community MortgageCordova, | A | 73.1 score | 330 | 2.1% | 6.25% |
| 10 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 324 | 11.7% | 6.38% |
| 11 | Bank of Holly SpringsHolly Springs, MS | A | 71.0 score | 248 | 8.1% | — |
| 12 | Guild MortgageSan Diego, CA | A | 70.8 score | 1,142 | 5.9% | 6.50% |
| 13 | LoansteadyMclean, VA | A | 69.8 score | 172 | 2.3% | 6.63% |
| 14 | AcopiaGoodlettsville, TN | A | 69.0 score | 113 | 4.4% | 6.38% |
| 15 | Planet Home LendingMeriden, CT | B | 67.8 score | 362 | 13.0% | 6.25% |
| 16 | GMFSBaton Rouge, LA | A | 67.7 score | 396 | 2.5% | 6.63% |
| 17 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 2,109 | 13.9% | 6.13% |
| 18 | Dsld MortgageDover, DE | A | 66.8 score | 357 | 5.9% | 6.25% |
| 19 | BankFirst Financial ServicesMacon, MS | A | 66.7 score | 1,044 | 7.4% | 7.00% |
| 20 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 1,014 | 16.9% | 4.99% |
| 21 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 432 | 12.3% | 6.50% |
| 22 | Renasant BankTupelo, MS | B | 65.2 score | 3,188 | 14.3% | 6.99% |
| 23 | Eagle Bank and TrustLittle Rock, AR | A | 65.1 score | 267 | 3.4% | 6.50% |
| 24 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 391 | 9.5% | 6.69% |
| 25 | Towne MortgageTroy, MI | B | 63.6 score | 234 | 6.8% | 6.50% |
| 26 | Union Home MortgageStrongsville, OH | B | 62.8 score | 398 | 7.5% | 6.25% |
| 27 | Guaranteed RateChicago, IL | B | 62.3 score | 364 | 16.8% | 6.50% |
| 28 | Bank of Yazoo CityYazoo City, MS | B | 60.5 score | 124 | 10.5% | — |
| 29 | Unnamed lender 254900CRPFBFJUTD8P12 | B | 60.0 score | 175 | 9.1% | — |
| 30 | BankPlusRidgeland, MS | B | 58.9 score | 2,638 | 10.7% | 6.50% |
| 31 | The Peoples Bank, Biloxi, MississippiBiloxi, MS | B | 58.8 score | 136 | 5.2% | — |
| 32 | Nations LendingIndependence, OH | B | 58.5 score | 238 | 3.8% | 6.50% |
| 33 | RiverHills BankVicksburg, MS | B | 58.3 score | 125 | 8.8% | — |
| 34 | First Horizon BankMemphis, TN | B | 57.6 score | 239 | 18.8% | 6.75% |
| 35 | Mortgage Investors GroupNashville, TN | B | 57.2 score | 372 | 2.2% | 6.50% |
| 36 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 1,626 | 8.1% | 6.25% |
| 37 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 941 | 4.5% | 6.63% |
| 38 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 56.3 score | 134 | 6.7% | 6.38% |
| 39 | FNB Picayune BankPicayune, MS | B | 56.3 score | 160 | 8.8% | — |
| 40 | LibertyEvansville, IN | B | 55.4 score | 154 | 11.0% | 6.50% |
| 41 | First Commercial BankJackson, MS | B | 55.3 score | 214 | 4.7% | — |
| 42 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 55.1 score | 119 | 6.7% | 6.56% |
| 43 | Wells Fargo BankCharlotte, NC | B | 54.4 score | 312 | 24.4% | 6.44% |
| 44 | First Security Bank, Batesville, MississippiBatesville, MS | B | 53.5 score | 199 | 7.0% | — |
| 45 | Hancock Whitney BankGulfport, MS | B | 52.5 score | 795 | 25.7% | 6.00% |
| 46 | Cadence BankTupelo, MS | B | 51.7 score | 5,301 | 19.2% | 7.25% |
| 47 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 51.6 score | 485 | 6.6% | 6.25% |
| 48 | Luminate BankMinneapolis, MN | B | 51.6 score | 112 | 12.5% | 6.88% |
| 49 | Premier Mortgage ResourcesMeridian, ID | B | 51.6 score | 159 | 8.2% | 6.50% |
| 50 | PriorityOne BankMagee, MS | B | 51.5 score | 758 | 8.4% | 7.25% |
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.
