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 | Firstbank of NebraskaWahoo, NE | A | 93.3 score | 127 | 0.8% | — |
| 2 | Lincoln FSB of NebraskaLincoln, NE | A | 82.6 score | 1,294 | 2.8% | 6.38% |
| 3 | Arbor BankOakland, IA | A | 82.5 score | 419 | 0.5% | — |
| 4 | West Gate BankLincoln, NE | A | 81.5 score | 2,040 | 5.0% | 6.50% |
| 5 | Access BankOmaha, NE | A | 78.3 score | 565 | 2.1% | 6.38% |
| 6 | Five Points BankGrand Island, | A | 78.0 score | 341 | 2.4% | — |
| 7 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 356 | 1.4% | 6.49% |
| 8 | Flat Branch MortgageColumbia, MO | A | 75.1 score | 302 | 0.3% | 6.63% |
| 9 | Exchange BankKearney, NE | A | 74.9 score | 373 | 3.2% | 7.50% |
| 10 | CMG MortgageSan Ramon, CA | A | 73.7 score | 968 | 3.5% | 6.50% |
| 11 | Security First BankRapid City, SD | A | 73.7 score | 380 | 2.6% | 6.75% |
| 12 | Northwest BankSpencer, IA | A | 73.2 score | 271 | 2.6% | 6.50% |
| 13 | Core BankOmaha, NE | A | 72.7 score | 492 | 3.9% | 6.25% |
| 14 | Premier BankOmaha, NE | A | 72.3 score | 101 | 3.0% | — |
| 15 | Dayspring BankGothenburg, NE | A | 71.8 score | 329 | 5.8% | 6.75% |
| 16 | Cornhusker BankLincoln, NE | A | 71.8 score | 478 | 5.0% | — |
| 17 | Guild MortgageSan Diego, CA | A | 70.8 score | 626 | 3.5% | 6.38% |
| 18 | Dundee BankOmaha, NE | B | 70.2 score | 263 | 4.6% | 6.75% |
| 19 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 331 | 3.3% | 6.25% |
| 20 | Heritage BankWood River, NE | B | 67.8 score | 105 | 4.8% | — |
| 21 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 1,558 | 8.2% | 6.37% |
| 22 | MNB BankMccook, NE | B | 67.3 score | 134 | 6.7% | — |
| 23 | Cobalt Credit UnionPapillion, NE | B | 66.7 score | 510 | 7.5% | 6.99% |
| 24 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 500 | 10.4% | 5.50% |
| 25 | GREENSTATE Credit UnionNorth Liberty, IA | B | 66.3 score | 189 | 5.3% | 6.24% |
| 26 | Nebraska Bank of CommerceLincoln, NE | B | 66.0 score | 132 | 1.5% | — |
| 27 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 273 | 12.8% | 6.49% |
| 28 | Regent Financial GroupOmaha, NE | B | 65.2 score | 327 | 0.0% | 6.38% |
| 29 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 885 | 4.8% | 6.13% |
| 30 | BankFirstNorfolk, NE | B | 63.5 score | 174 | 5.2% | — |
| 31 | Union Bank and TrustLincoln, NE | B | 63.4 score | 1,835 | 10.0% | 6.50% |
| 32 | Union Home MortgageStrongsville, OH | B | 62.8 score | 188 | 3.2% | 6.50% |
| 33 | Equitable BankGrand Island, NE | B | 62.8 score | 241 | 6.6% | — |
| 34 | Guaranteed RateChicago, IL | B | 62.3 score | 863 | 4.1% | 6.50% |
| 35 | Frontier BankOmaha, NE | B | 61.7 score | 400 | 4.3% | 7.00% |
| 36 | Paramount Residential Mortgage GroupCorona, CA | B | 61.3 score | 154 | 4.6% | 6.50% |
| 37 | Rvr BankFremont, NE | B | 60.5 score | 271 | 10.0% | — |
| 38 | Pinnacle BankLincoln, NE | B | 60.5 score | 3,371 | 4.3% | 6.95% |
| 39 | Cattle Bank & TrustSeward, NE | B | 60.0 score | 108 | 2.8% | — |
| 40 | Veridian Credit UnionWaterloo, IA | B | 59.7 score | 2,051 | 9.8% | 6.49% |
| 41 | Plains Commerce BankSioux Falls, SD | B | 59.0 score | 546 | 7.9% | 6.38% |
| 42 | City Bank & TrustCrete, NE | B | 57.5 score | 236 | 5.5% | — |
| 43 | Metro CUOmaha, NE | B | 57.3 score | 1,077 | 25.5% | 5.75% |
| 44 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 898 | 9.1% | 6.25% |
| 45 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 125 | 3.2% | 6.50% |
| 46 | Churchill MortgageBrentwood, TN | B | 56.2 score | 634 | 2.4% | 6.50% |
| 47 | Gateway First BankJenks, OK | B | 55.1 score | 110 | 0.0% | 6.63% |
| 48 | CentrisOmaha, NE | B | 54.9 score | 2,002 | 16.3% | 6.25% |
| 49 | Wells Fargo BankCharlotte, NC | B | 54.4 score | 515 | 16.9% | 6.38% |
| 50 | Home Federal Savings and Loan Association of Grand IslandGrand Island, NE | B | 54.0 score | 259 | 8.9% | 6.88% |
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.
