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 | Pinnacle MortgageBluffton, SC | A | 90.8 score | 197 | 0.0% | 6.50% |
| 2 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 138 | 0.0% | 7.50% |
| 3 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 727 | 2.9% | 5.90% |
| 4 | Stifel Bank and TrustSaint Louis, MO | A | 87.7 score | 140 | 2.1% | 6.25% |
| 5 | Charles Schwab BankWestlake, TX | A | 84.3 score | 194 | 4.6% | 5.78% |
| 6 | Lakeview Community CapitalTucson, AZ | A | 81.6 score | 136 | 0.7% | 5.99% |
| 7 | General Mortgage CapitalBurlingame, CA | A | 81.1 score | 174 | 2.3% | 6.25% |
| 8 | Peapack-Gladstone BankBedminster, NJ | A | 80.8 score | 122 | 2.5% | — |
| 9 | Amboy BankOld Bridge, NJ | A | 78.8 score | 417 | 15.6% | — |
| 10 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 199 | 6.0% | 6.88% |
| 11 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 209 | 1.9% | 6.75% |
| 12 | First Colony MortgageOrem, UT | A | 77.3 score | 910 | 7.0% | 6.63% |
| 13 | Keystone FundingDover, DE | A | 76.9 score | 228 | 8.3% | 6.50% |
| 14 | Healthcare EmployeesPrinceton, NJ | A | 75.9 score | 100 | 1.0% | 5.74% |
| 15 | Movement MortgageLancaster, SC | A | 75.4 score | 2,422 | 8.2% | 6.63% |
| 16 | Mld MortgageFlorham Park, NJ | A | 74.9 score | 746 | 5.0% | 6.49% |
| 17 | CMG MortgageSan Ramon, CA | A | 73.7 score | 3,879 | 7.0% | 6.75% |
| 18 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 670 | 6.6% | 6.38% |
| 19 | Skyrock MortgageRutherford, NJ | A | 73.1 score | 263 | 0.8% | 6.63% |
| 20 | Lennar MortgageMiami, FL | A | 72.3 score | 745 | 4.4% | 5.88% |
| 21 | Peoples Security Bank and TrustScranton, PA | A | 72.1 score | 133 | 21.8% | 1.99% |
| 22 | Millenium Home MortgageParsippany-Troy Hills, NJ | A | 71.5 score | 357 | 1.4% | 6.38% |
| 23 | Kwik MortgageParsippany, NJ | A | 71.4 score | 463 | 3.5% | 6.38% |
| 24 | Rf Renovo Management CompanyChicago, IL | B | 71.3 score | 883 | 0.1% | 9.50% |
| 25 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 1,709 | 3.1% | 6.58% |
| 26 | Guild MortgageSan Diego, CA | A | 70.8 score | 160 | 9.4% | 6.63% |
| 27 | Somerset Regal BankNewark, NJ | A | 70.8 score | 242 | 3.3% | — |
| 28 | NJ LendersWilmington, DE | A | 70.6 score | 1,098 | 3.0% | 6.63% |
| 29 | Pulte MortgageWilmington, DE | A | 70.4 score | 259 | 10.0% | 6.50% |
| 30 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 1,469 | 4.6% | 6.63% |
| 31 | Sturdy Savings BankCape May Court House, NJ | B | 69.5 score | 166 | 4.2% | — |
| 32 | Princeton Federal Credit UnionPrinceton, NJ | A | 69.5 score | 315 | 4.8% | 5.99% |
| 33 | NFMLinthicum, MD | A | 69.5 score | 1,354 | 2.9% | 6.63% |
| 34 | UBS Bank USASalt Lake City, UT | A | 68.9 score | 174 | 4.6% | 5.88% |
| 35 | OceanFirst BankRed Bank, NJ | A | 68.4 score | 2,861 | 9.5% | 6.38% |
| 36 | Planet Home LendingMeriden, CT | B | 67.8 score | 234 | 21.8% | 5.99% |
| 37 | Kearny BankKearny, NJ | B | 67.5 score | 568 | 5.6% | 6.13% |
| 38 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 10,552 | 15.3% | 6.38% |
| 39 | American Federal MortgageChester, NJ | B | 66.9 score | 741 | 3.9% | 6.25% |
| 40 | Toll Brothers MortgageWilmington, DE | A | 66.3 score | 457 | 9.0% | 6.49% |
| 41 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 769 | 5.6% | 6.50% |
| 42 | Embrace Home LoansMiddletown, RI | A | 65.3 score | 730 | 2.6% | 6.50% |
| 43 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 5,588 | 10.6% | 6.38% |
| 44 | South River MortgageAnnapolis, MD | A | 64.5 score | 149 | 2.0% | 8.99% |
| 45 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 1,213 | 4.7% | 6.75% |
| 46 | NVR Mortgage FinanceReston, VA | B | 64.1 score | 949 | 19.6% | 6.50% |
| 47 | Zillow Home LoansIrvine, CA | B | 64.0 score | 165 | 7.9% | 6.50% |
| 48 | Mortgage AccessMorris Plains, NJ | B | 63.6 score | 852 | 4.9% | 6.63% |
| 49 | Union Home MortgageStrongsville, OH | B | 62.8 score | 1,110 | 5.0% | 6.50% |
| 50 | ResicentralLarkspur, CA | B | 62.7 score | 206 | 3.9% | 6.49% |
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.
