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 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 165 | 0.0% | 7.25% |
| 2 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 1,283 | 4.7% | 5.80% |
| 3 | The Canandaigua National Bank and TrustCanandaigua, NY | A | 88.6 score | 922 | 13.0% | 7.75% |
| 4 | Fulton Savings BankFulton, NY | A | 88.3 score | 210 | 1.9% | — |
| 5 | Stifel Bank and TrustSaint Louis, MO | A | 87.7 score | 165 | 5.5% | 6.13% |
| 6 | Nationwide EquitiesPark Ridge, NJ | A | 87.0 score | 117 | 6.0% | 8.98% |
| 7 | Sefcu ServicesAlbany, NY | A | 86.3 score | 2,747 | 1.9% | 6.13% |
| 8 | First Central Savings BankGlen Cove, | A | 86.0 score | 496 | 0.8% | — |
| 9 | Western Division Federal Credit UnionWilliamsville, NY | A | 85.3 score | 374 | 12.8% | — |
| 10 | Charles Schwab BankWestlake, TX | A | 84.3 score | 211 | 7.6% | 5.63% |
| 11 | Ballston Spa National BankBallston Spa, | A | 82.5 score | 321 | 1.3% | — |
| 12 | General Mortgage CapitalBurlingame, CA | A | 81.1 score | 312 | 1.0% | 6.50% |
| 13 | Summit Mortgage BankersNew York, | A | 80.8 score | 302 | 2.7% | 6.50% |
| 14 | Homestead FundingAlbany, NY | A | 80.2 score | 4,860 | 2.1% | 6.49% |
| 15 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 1,653 | 5.1% | 6.75% |
| 16 | First Colony MortgageOrem, UT | A | 77.3 score | 129 | 17.8% | 7.25% |
| 17 | Farm Credit East, ACAEnfield, CT | A | 76.7 score | 450 | 2.7% | 6.95% |
| 18 | Genesee ValleyGeneseo, NY | A | 76.3 score | 123 | 15.5% | 6.99% |
| 19 | Shinhan Bank AmericaNew York, NY | A | 75.5 score | 199 | 3.0% | — |
| 20 | Movement MortgageLancaster, SC | A | 75.4 score | 2,016 | 5.4% | 6.63% |
| 21 | Pittsford Federal Credit UnionPittsford, NY | A | 75.0 score | 417 | 3.8% | 7.25% |
| 22 | Family First of NYRochester, NY | A | 74.0 score | 532 | 10.3% | 6.99% |
| 23 | CMG MortgageSan Ramon, CA | A | 73.7 score | 2,112 | 6.9% | 6.38% |
| 24 | Premium MortgageRochester, NY | A | 73.4 score | 5,816 | 3.0% | 6.63% |
| 25 | Lynx Mortgage BankWestbury, NY | A | 72.8 score | 236 | 4.7% | 6.75% |
| 26 | Cornerstone Community Federal Credit UnionLockport, NY | A | 72.8 score | 1,061 | 11.5% | 3.99% |
| 27 | Home Town FundingPittsford, NY | A | 72.7 score | 1,193 | 2.3% | 6.75% |
| 28 | 1st Priority MortgageWilliamsville, NY | A | 72.4 score | 1,983 | 4.2% | 6.50% |
| 29 | Amalgamated BankNew York, NY | A | 72.1 score | 286 | 3.2% | 6.25% |
| 30 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 794 | 4.0% | 6.50% |
| 31 | Watertown Savings BankWatertown, NY | A | 70.6 score | 195 | 5.6% | 6.38% |
| 32 | NJ LendersWilmington, DE | A | 70.6 score | 259 | 7.3% | 6.63% |
| 33 | Corning Credit UnionCorning, NY | A | 70.2 score | 1,141 | 11.0% | 6.14% |
| 34 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 316 | 6.3% | 6.75% |
| 35 | Cathay BankEl Monte, CA | A | 69.2 score | 982 | 6.2% | 6.38% |
| 36 | UBS Bank USASalt Lake City, UT | A | 68.9 score | 448 | 7.8% | 5.88% |
| 37 | Geddes Federal Savings and Loan AssociationSyracuse, NY | B | 68.1 score | 467 | 6.4% | 6.25% |
| 38 | Planet Home LendingMeriden, CT | B | 67.8 score | 352 | 14.5% | 5.99% |
| 39 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 14,777 | 11.2% | 6.50% |
| 40 | CNB BankClearfield, PA | A | 67.3 score | 453 | 17.0% | 6.00% |
| 41 | Hudson Valley Credit UnionPoughkeepsie, NY | B | 67.0 score | 6,638 | 25.4% | 4.50% |
| 42 | NBT BankNorwich, NY | B | 66.7 score | 3,012 | 22.1% | 5.00% |
| 43 | Toll Brothers MortgageWilmington, DE | A | 66.3 score | 102 | 13.7% | 6.81% |
| 44 | Embrace Home LoansMiddletown, RI | A | 65.3 score | 377 | 4.8% | 6.50% |
| 45 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 14,735 | 11.7% | 6.38% |
| 46 | Solvay BankSolvay, NY | B | 64.5 score | 260 | 5.8% | — |
| 47 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 1,013 | 6.7% | 6.63% |
| 48 | Berkshire BankPittsfield, MA | B | 64.3 score | 153 | 29.4% | 6.13% |
| 49 | NVR Mortgage FinanceReston, VA | B | 64.1 score | 208 | 7.7% | 6.25% |
| 50 | CFCU COMMUNITY Credit UnionIthaca, NY | B | 63.2 score | 478 | 12.8% | 6.00% |
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.
