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 | Leader BankArlington, MA | A | 87.6 score | 299 | 1.3% | 6.38% |
| 2 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 172 | 6.4% | 6.63% |
| 3 | Keystone FundingDover, DE | A | 76.9 score | 214 | 2.8% | 6.50% |
| 4 | Movement MortgageLancaster, SC | A | 75.4 score | 444 | 4.3% | 6.63% |
| 5 | CMG MortgageSan Ramon, CA | A | 73.7 score | 3,499 | 2.5% | 6.63% |
| 6 | Holy Rosary Regional Credit UnionRochester, NH | A | 72.0 score | 364 | 9.1% | 6.50% |
| 7 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 136 | 2.9% | 6.58% |
| 8 | Guild MortgageSan Diego, CA | A | 70.8 score | 970 | 5.5% | 6.63% |
| 9 | The Camden National BankCamden, ME | A | 68.1 score | 556 | 17.8% | 6.75% |
| 10 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 2,488 | 8.8% | 6.50% |
| 11 | Northpoint MortgageSturbridge, MA | A | 67.4 score | 317 | 4.4% | 6.50% |
| 12 | NBT BankNorwich, NY | B | 66.7 score | 111 | 18.0% | 5.68% |
| 13 | Embrace Home LoansMiddletown, RI | A | 65.3 score | 174 | 1.7% | 6.63% |
| 14 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 311 | 10.9% | 6.38% |
| 15 | Salem Five Mortgage CompanySalem, MA | A | 65.1 score | 142 | 15.5% | 6.50% |
| 16 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 944 | 6.0% | 6.63% |
| 17 | Union BankMorristown, VT | B | 63.5 score | 198 | 3.5% | 6.88% |
| 18 | Guaranteed RateChicago, IL | B | 62.3 score | 700 | 4.6% | 6.55% |
| 19 | Mascoma BankLebanon, NH | B | 62.0 score | 580 | 12.4% | 6.99% |
| 20 | Harborone MortgageBrockton, MA | B | 60.0 score | 432 | 6.0% | 6.63% |
| 21 | Mortgage Equity PartnersLynnfield, MA | B | 59.9 score | 112 | 4.5% | 6.63% |
| 22 | Workers Federal Credit UnionLittleton, MA | B | 59.5 score | 151 | 8.0% | 6.38% |
| 23 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 59.4 score | 286 | 4.2% | 6.63% |
| 24 | Emm LoansCherry Hill, NJ | B | 59.2 score | 928 | 1.3% | 6.63% |
| 25 | Hanscom Federal Credit UnionHanscom Afb, MA | B | 58.4 score | 118 | 16.1% | 7.00% |
| 26 | Bangor Savings BankBangor, ME | B | 57.8 score | 410 | 18.8% | 7.00% |
| 27 | Bellwether Community Credit UnionManchester, NH | B | 57.6 score | 488 | 16.4% | 7.25% |
| 28 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 729 | 8.4% | 6.25% |
| 29 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 965 | 3.5% | 6.79% |
| 30 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 55.8 score | 115 | 5.2% | 6.09% |
| 31 | JEANNE D'ARC Credit UnionLowell, MA | B | 55.2 score | 192 | 12.5% | 6.69% |
| 32 | St. Mary's Bank Credit UnionManchester, NH | B | 54.7 score | 1,514 | 21.2% | 7.25% |
| 33 | Homebridge Financial ServicesIselin, NJ | B | 54.4 score | 104 | 18.3% | 9.44% |
| 34 | Wells Fargo BankCharlotte, NC | B | 54.4 score | 146 | 15.1% | 6.38% |
| 35 | METRO Credit UnionChelsea, MA | B | 54.4 score | 231 | 11.7% | 6.85% |
| 36 | Total Mortgage ServicesMilford, CT | B | 53.5 score | 401 | 3.7% | 6.63% |
| 37 | Luminate BankMinneapolis, MN | B | 51.6 score | 233 | 2.6% | 6.88% |
| 38 | Sis Bancorp, MHCSanford, ME | B | 51.5 score | 112 | 5.4% | 7.50% |
| 39 | Eastern BankBoston, MA | B | 51.3 score | 471 | 28.7% | 6.99% |
| 40 | Mortgage Research CenterColumbia, MO | C | 50.8 score | 806 | 17.9% | 6.13% |
| 41 | Waterstone MortgageBrookfield, WI | C | 49.3 score | 149 | 4.0% | 6.88% |
| 42 | Manufacturers and Traders TrustBuffalo, NY | C | 49.2 score | 574 | 31.9% | 5.99% |
| 43 | USAA Federal Savings BankPhoenix, AZ | C | 48.6 score | 137 | 21.9% | 6.38% |
| 44 | Pennymac Loan ServicesWestlake Village, CA | C | 47.0 score | 680 | 11.8% | 6.63% |
| 45 | Merrimack ValleyLawrence, MA | C | 46.3 score | 187 | 9.1% | 7.25% |
| 46 | Coastal Community BankEverett, WA | C | 45.3 score | 459 | 2.2% | 9.99% |
| 47 | Rockland TrustRockland, MA | C | 44.5 score | 147 | 20.4% | 6.49% |
| 48 | Rocket MortgagePlymouth, MI | C | 43.7 score | 3,090 | 17.0% | 6.75% |
| 49 | Service Federal Credit UnionPortsmouth, NH | C | 43.5 score | 2,300 | 25.5% | 6.49% |
| 50 | Third Federal Savings and Loan Association of ClevelandCleveland, OH | C | 43.2 score | 113 | 32.7% | 6.99% |
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.
