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 | Clm MortgageHouston, TX | A | 94.0 score | 284 | 0.7% | 6.12% |
| 2 | Unnamed lender 254900YZ174H294JW398 | A | 89.6 score | 248 | 4.8% | 6.00% |
| 3 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 147 | 2.7% | 5.85% |
| 4 | Charles Schwab BankWestlake, TX | A | 84.3 score | 123 | 4.9% | 5.63% |
| 5 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 442 | 3.6% | 6.49% |
| 6 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 159 | 1.3% | 6.50% |
| 7 | First Colony MortgageOrem, UT | A | 77.3 score | 189 | 7.4% | 6.38% |
| 8 | Bay-Valley Mortgage GroupLa Mirada, CA | A | 75.5 score | 159 | 2.5% | 6.69% |
| 9 | Movement MortgageLancaster, SC | A | 75.4 score | 911 | 6.2% | 6.88% |
| 10 | Homeamerican MortgageDenver, CO | A | 74.4 score | 482 | 8.1% | 4.50% |
| 11 | CMG MortgageSan Ramon, CA | A | 73.7 score | 1,495 | 6.2% | 6.70% |
| 12 | Lennar MortgageMiami, FL | A | 72.3 score | 2,107 | 7.1% | 4.75% |
| 13 | AAA Capital InvestmentArcadia, CA | B | 71.9 score | 236 | 3.0% | 6.75% |
| 14 | Taylor Morrison Home FundingMaitland, FL | A | 71.4 score | 315 | 9.2% | 5.50% |
| 15 | Guild MortgageSan Diego, CA | A | 70.8 score | 5,533 | 2.6% | 6.50% |
| 16 | Pulte MortgageWilmington, DE | A | 70.4 score | 1,251 | 17.5% | 5.63% |
| 17 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 303 | 10.2% | 6.25% |
| 18 | Planet Home LendingMeriden, CT | B | 67.8 score | 272 | 22.1% | 5.99% |
| 19 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 6,913 | 11.4% | 6.31% |
| 20 | Toll Brothers MortgageWilmington, DE | A | 66.3 score | 500 | 6.4% | 6.49% |
| 21 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 2,549 | 6.8% | 4.99% |
| 22 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 1,450 | 11.7% | 6.50% |
| 23 | Inspire Home LoansNewport Beach, CA | B | 64.8 score | 469 | 9.0% | 4.88% |
| 24 | Evergreen Moneysource MortgageBellevue, WA | B | 64.5 score | 636 | 0.8% | 6.63% |
| 25 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 620 | 4.4% | 6.75% |
| 26 | Fbc MortgageOrlando, FL | B | 64.3 score | 106 | 0.9% | 6.63% |
| 27 | V.i.p. MortgageScottsdale, AZ | B | 64.2 score | 286 | 1.8% | 6.75% |
| 28 | Zillow Home LoansIrvine, CA | B | 64.0 score | 352 | 6.3% | 6.50% |
| 29 | Infinity Equity Group, LLC.Redding, CA | B | 63.9 score | 219 | 1.4% | 6.50% |
| 30 | Greater NevadaCarson City, NV | B | 63.8 score | 806 | 7.0% | 6.38% |
| 31 | Union Home MortgageStrongsville, OH | B | 62.8 score | 121 | 9.9% | 6.38% |
| 32 | Guaranteed RateChicago, IL | B | 62.3 score | 1,862 | 8.6% | 6.75% |
| 33 | Bay EquityCorte Madera, CA | B | 61.9 score | 102 | 5.9% | 6.63% |
| 34 | Paramount Residential Mortgage GroupCorona, CA | B | 61.3 score | 546 | 2.6% | 6.50% |
| 35 | Sun West Mortgage CompanyCerritos, CA | B | 61.0 score | 265 | 11.7% | 6.22% |
| 36 | Canopy MortgageLindon, UT | B | 59.2 score | 441 | 1.8% | 6.63% |
| 37 | Plains Commerce BankSioux Falls, SD | B | 59.0 score | 297 | 7.4% | 6.38% |
| 38 | Nations LendingIndependence, OH | B | 58.5 score | 274 | 4.4% | 6.50% |
| 39 | The Loan StoreSan Francisco, CA | B | 57.1 score | 1,219 | 8.9% | 6.75% |
| 40 | Kbhs Home LoansIrving, TX | B | 56.9 score | 1,132 | 9.5% | 5.88% |
| 41 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 2,502 | 6.4% | 6.13% |
| 42 | New Wave Lending GroupCity Of Industry, CA | B | 56.5 score | 209 | 0.0% | 6.88% |
| 43 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 2,251 | 4.6% | 6.75% |
| 44 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 56.3 score | 144 | 11.1% | 6.38% |
| 45 | East West BankPasadena, CA | B | 55.9 score | 381 | 9.2% | 6.50% |
| 46 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 55.8 score | 103 | 10.7% | 5.97% |
| 47 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 55.1 score | 144 | 2.8% | 6.50% |
| 48 | Zions BancorporationSalt Lake City, UT | B | 55.1 score | 2,224 | 36.0% | 5.50% |
| 49 | Homebridge Financial ServicesIselin, NJ | B | 54.4 score | 224 | 17.9% | 10.08% |
| 50 | Wells Fargo BankCharlotte, NC | B | 54.4 score | 922 | 17.6% | 6.38% |
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.
