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 | First State Bank of St. Charles, MissouriSt. Charles, MO | A | 90.2 score | 1,609 | 0.0% | 6.50% |
| 2 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 161 | 0.0% | 7.38% |
| 3 | Bloomsdale BankBloomsdale, MO | A | 87.8 score | 206 | 2.4% | — |
| 4 | Stifel Bank and TrustSaint Louis, MO | A | 87.7 score | 1,722 | 2.3% | 6.38% |
| 5 | HomeBankPalmyra, MO | A | 87.3 score | 165 | 1.2% | — |
| 6 | Bank of OdessaOdessa, MO | A | 87.0 score | 298 | 2.7% | — |
| 7 | Access Capital FundingChesterfield, MO | A | 86.2 score | 167 | 0.0% | 6.50% |
| 8 | The Missouri BankWarrenton, MO | A | 85.5 score | 115 | 0.9% | — |
| 9 | Alliance BankCape Girardeau, MO | A | 82.3 score | 135 | 2.2% | — |
| 10 | Sullivan BankSullivan, MO | A | 82.2 score | 484 | 1.7% | 7.50% |
| 11 | Connections BankPlatte City, MO | A | 82.0 score | 118 | 3.4% | — |
| 12 | Unnamed lender 5493001Q8FNQ5TSRE594 | A | 81.9 score | 174 | 0.0% | 7.15% |
| 13 | Heritage Community BankUnion, MO | A | 81.8 score | 224 | 1.3% | — |
| 14 | First Midwest Bank of DexterDexter, MO | A | 81.5 score | 233 | 2.2% | — |
| 15 | Victory MortgageErlanger, KY | A | 80.5 score | 141 | 7.1% | 6.25% |
| 16 | U S Wide FinancialChesterfield, MO | A | 79.4 score | 137 | 1.5% | 6.13% |
| 17 | Wood & Huston BankMarshall, MO | A | 78.3 score | 285 | 3.2% | — |
| 18 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 1,896 | 2.4% | 6.50% |
| 19 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 216 | 1.9% | 6.62% |
| 20 | The Callaway BankFulton, MO | A | 77.8 score | 165 | 1.8% | — |
| 21 | Century Credit UnionSaint Louis, MO | A | 77.5 score | 126 | 4.8% | — |
| 22 | Freedom Bank of Southern MissouriCassville, MO | A | 77.0 score | 312 | 4.8% | — |
| 23 | Mid-Missouri BankSpringfield, MO | A | 77.0 score | 441 | 2.3% | — |
| 24 | Stockmens BankColorado Springs, CO | A | 76.8 score | 148 | 4.7% | — |
| 25 | United Bank of UnionUnion, MO | A | 76.5 score | 227 | 2.2% | 6.63% |
| 26 | Bell BankFargo, ND | A | 76.2 score | 547 | 7.0% | 6.50% |
| 27 | F & C BankHolden, MO | A | 75.5 score | 200 | 1.5% | — |
| 28 | Movement MortgageLancaster, SC | A | 75.4 score | 133 | 4.5% | 6.81% |
| 29 | BluCurrent Credit UnionSpringfield, MO | A | 75.3 score | 734 | 14.6% | 7.00% |
| 30 | Flat Branch MortgageColumbia, MO | A | 75.1 score | 8,999 | 0.9% | 6.63% |
| 31 | Delmar FinancialSaint Louis, MO | A | 74.8 score | 874 | 1.4% | 6.63% |
| 32 | Farmers and Merchants Bank of St. ClairSaint Clair, MO | A | 74.8 score | 103 | 5.8% | — |
| 33 | Commercial Trust Company of FayetteFayette, MO | A | 74.8 score | 103 | 5.8% | — |
| 34 | ASSEMBLIES OF GOD Credit UnionSpringfield, MO | A | 74.5 score | 369 | 0.8% | 6.88% |
| 35 | Community MortgageKansas City, MO | A | 74.2 score | 819 | 1.3% | 6.38% |
| 36 | Oakstar BankSpringfield, MO | A | 74.1 score | 840 | 3.0% | 7.25% |
| 37 | Equity BankWichita, KS | A | 74.0 score | 559 | 18.1% | 6.75% |
| 38 | CMG MortgageSan Ramon, CA | A | 73.7 score | 475 | 5.3% | 6.63% |
| 39 | Guaranty BankSpringfield, MO | A | 73.3 score | 366 | 3.0% | — |
| 40 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 189 | 4.2% | 6.38% |
| 41 | Stride BankEnid, OK | A | 72.4 score | 176 | 2.3% | 6.63% |
| 42 | Family Finance MortgageArnold, MO | A | 72.1 score | 305 | 0.0% | 6.63% |
| 43 | The Bank of Old MonroeOld Monroe, MO | A | 72.0 score | 372 | 3.8% | — |
| 44 | Thompson Kane & CompanyMadison, WI | A | 71.3 score | 249 | 3.6% | 6.63% |
| 45 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 1,154 | 4.2% | 6.53% |
| 46 | Guild MortgageSan Diego, CA | A | 70.8 score | 7,388 | 2.5% | 6.63% |
| 47 | Midwest BankCentreSaint Louis, MO | B | 70.3 score | 430 | 4.0% | 6.50% |
| 48 | River Region Credit UnionJefferson City, MO | A | 70.3 score | 1,485 | 7.1% | — |
| 49 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 901 | 6.7% | 6.50% |
| 50 | Megastar FinancialDenver, CO | A | 69.7 score | 244 | 1.2% | 6.50% |
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.
