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 | Western Commerce BankCarlsbad, NM | A | 81.5 score | 118 | 1.7% | — |
| 2 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 571 | 7.2% | 6.63% |
| 3 | Bell BankFargo, ND | A | 76.2 score | 510 | 3.5% | 6.38% |
| 4 | Movement MortgageLancaster, SC | A | 75.4 score | 282 | 5.3% | 6.75% |
| 5 | Homeamerican MortgageDenver, CO | A | 74.4 score | 141 | 10.6% | 4.50% |
| 6 | CMG MortgageSan Ramon, CA | A | 73.7 score | 1,225 | 5.3% | 6.63% |
| 7 | Cornerstone Capital BankHouston, TX | A | 71.7 score | 319 | 1.3% | 6.38% |
| 8 | Citizens Bank of Las CrucesLas Cruces, NM | A | 71.2 score | 394 | 3.3% | 6.63% |
| 9 | Guild MortgageSan Diego, CA | A | 70.8 score | 3,186 | 4.3% | 6.63% |
| 10 | Pulte MortgageWilmington, DE | A | 70.4 score | 470 | 10.2% | 4.99% |
| 11 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 3,251 | 12.8% | 6.13% |
| 12 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 720 | 20.1% | 4.99% |
| 13 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 843 | 7.7% | 6.50% |
| 14 | Evergreen Moneysource MortgageBellevue, WA | B | 64.5 score | 237 | 2.5% | 6.75% |
| 15 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 112 | 4.5% | 6.63% |
| 16 | V.i.p. MortgageScottsdale, AZ | B | 64.2 score | 345 | 0.9% | 6.75% |
| 17 | Union Home MortgageStrongsville, OH | B | 62.8 score | 201 | 5.5% | 6.50% |
| 18 | Guaranteed RateChicago, IL | B | 62.3 score | 587 | 6.8% | 6.60% |
| 19 | Paramount Residential Mortgage GroupCorona, CA | B | 61.3 score | 169 | 0.6% | 6.63% |
| 20 | Sunward Federal Credit UnionAlbuquerque, NM | B | 61.1 score | 1,765 | 9.1% | 6.50% |
| 21 | Sunflower BankDallas, TX | B | 59.9 score | 501 | 2.8% | 6.49% |
| 22 | Plains Commerce BankSioux Falls, SD | B | 59.0 score | 144 | 6.3% | 6.50% |
| 23 | Nations LendingIndependence, OH | B | 58.5 score | 169 | 4.1% | 6.88% |
| 24 | UMB BankKansas City, | B | 57.5 score | 207 | 43.0% | 5.99% |
| 25 | The Loan StoreSan Francisco, CA | B | 57.1 score | 161 | 7.5% | 6.88% |
| 26 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 1,304 | 9.7% | 6.25% |
| 27 | Van Dyk MortgageGrand Rapids, MI | B | 56.5 score | 186 | 3.2% | 6.38% |
| 28 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 775 | 3.6% | 6.38% |
| 29 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 55.1 score | 104 | 5.8% | 6.49% |
| 30 | Gateway First BankJenks, OK | B | 55.1 score | 320 | 6.3% | 6.63% |
| 31 | Homebridge Financial ServicesIselin, NJ | B | 54.4 score | 174 | 20.7% | 7.63% |
| 32 | Wells Fargo BankCharlotte, NC | B | 54.4 score | 485 | 16.7% | 6.50% |
| 33 | NBKC BankKansas, MO | B | 52.3 score | 142 | 9.2% | 6.13% |
| 34 | Directors MortgageLake Oswego, OR | B | 51.9 score | 537 | 6.5% | 6.88% |
| 35 | Primary Residential MortgageSalt Lake City, UT | C | 50.9 score | 1,497 | 4.9% | 6.63% |
| 36 | Mortgage Research CenterColumbia, MO | C | 50.8 score | 1,683 | 15.9% | 6.25% |
| 37 | Waterstone MortgageBrookfield, WI | C | 49.3 score | 2,740 | 3.2% | 6.88% |
| 38 | American Pacific MortgageRoseville, CA | C | 49.1 score | 318 | 12.9% | 6.63% |
| 39 | USAA Federal Savings BankPhoenix, AZ | C | 48.6 score | 384 | 22.9% | 6.38% |
| 40 | Builders Choice MortgageBoca Raton, FL | C | 48.5 score | 324 | 3.7% | 6.63% |
| 41 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 48.3 score | 206 | 2.9% | 6.63% |
| 42 | Sierra Pacific Mortgage CompanyFolsom, CA | C | 47.6 score | 132 | 8.3% | 6.75% |
| 43 | Click n' CloseAddison, TX | C | 47.5 score | 474 | 4.0% | 6.50% |
| 44 | Del Norte Credit UnionSanta Fe, NM | C | 47.2 score | 462 | 13.6% | 5.88% |
| 45 | Pennymac Loan ServicesWestlake Village, CA | C | 47.0 score | 1,330 | 12.3% | 6.38% |
| 46 | Kind LendingIrvine, CA | C | 45.5 score | 449 | 22.3% | 6.63% |
| 47 | Coastal Community BankEverett, WA | C | 45.3 score | 597 | 2.7% | 10.24% |
| 48 | Geneva FinancialChandler, AZ | C | 45.3 score | 237 | 1.3% | 6.75% |
| 49 | Nova Financial & InvestmentTucson, AZ | C | 45.0 score | 188 | 25.5% | 6.49% |
| 50 | Neighborhood LoansDowner Grove, IL | C | 44.7 score | 128 | 44.5% | 7.75% |
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.
