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 | Aspire Community Federal Credit unionMinot, ND | A | 85.3 score | 150 | 3.3% | — |
| 2 | Kirkwood Bank & TrustBismarck, ND | A | 84.3 score | 138 | 2.2% | — |
| 3 | Bravera BankDickinson, ND | A | 81.8 score | 365 | 2.2% | — |
| 4 | Bank ForwardFargo, ND | A | 80.3 score | 101 | 1.0% | — |
| 5 | Valley MortgageFargo, ND | A | 77.9 score | 191 | 3.1% | 6.23% |
| 6 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 231 | 2.6% | 6.20% |
| 7 | Bell BankFargo, ND | A | 76.2 score | 806 | 7.7% | 6.99% |
| 8 | Guild MortgageSan Diego, CA | A | 70.8 score | 142 | 1.4% | 6.38% |
| 9 | Starion BankBismarck, ND | B | 69.7 score | 214 | 2.8% | 6.50% |
| 10 | TOWN AND COUNTRY Credit UnionMinot, ND | B | 68.2 score | 571 | 2.1% | 6.25% |
| 11 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 881 | 7.5% | 6.25% |
| 12 | BNC National BankGlendale, AZ | A | 67.2 score | 136 | 12.5% | 7.50% |
| 13 | Dakota Community Bank & TrustHebron, ND | B | 66.9 score | 351 | 4.6% | 6.25% |
| 14 | Choice Financial GroupFargo, ND | B | 65.4 score | 211 | 4.3% | 6.65% |
| 15 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 497 | 3.0% | 6.40% |
| 16 | Western State BankDevils Lake, ND | B | 64.1 score | 170 | 3.5% | 6.38% |
| 17 | First International Bank & TrustWatford City, ND | B | 64.0 score | 1,112 | 4.0% | 6.63% |
| 18 | First Western Bank & TrustMinot, ND | B | 63.8 score | 254 | 2.8% | 6.63% |
| 19 | Old National BankEvansville, IN | B | 63.0 score | 189 | 12.7% | 6.50% |
| 20 | Guaranteed RateChicago, IL | B | 62.3 score | 194 | 9.3% | 6.38% |
| 21 | Cornerstone BankFargo, ND | B | 61.1 score | 126 | 2.4% | 7.25% |
| 22 | Alerus FinancialGrand Forks, ND | B | 60.7 score | 298 | 9.4% | 7.00% |
| 23 | Dacotah BankAberdeen, SD | B | 60.3 score | 125 | 5.6% | 6.63% |
| 24 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 238 | 16.8% | 6.25% |
| 25 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 155 | 4.5% | 6.49% |
| 26 | Wells Fargo BankCharlotte, NC | B | 54.4 score | 115 | 13.9% | 6.50% |
| 27 | First Community Credit UnionJamestown, ND | B | 53.7 score | 675 | 7.1% | 6.49% |
| 28 | Granite BankCold Spring, MN | B | 53.0 score | 169 | 5.3% | 6.50% |
| 29 | Mortgage Research CenterColumbia, MO | C | 50.8 score | 500 | 13.6% | 6.25% |
| 30 | RailwayMandan, ND | C | 47.3 score | 116 | 12.1% | — |
| 31 | Pennymac Loan ServicesWestlake Village, CA | C | 47.0 score | 246 | 15.9% | 6.31% |
| 32 | Gate City BankFargo, ND | C | 45.7 score | 3,106 | 11.3% | 6.65% |
| 33 | Coastal Community BankEverett, WA | C | 45.3 score | 178 | 2.8% | 11.74% |
| 34 | CapitalBismarck, ND | C | 44.7 score | 646 | 3.7% | 7.00% |
| 35 | Rocket MortgagePlymouth, MI | C | 43.7 score | 827 | 21.6% | 6.63% |
| 36 | Unison BankJamestown, ND | C | 42.0 score | 108 | 8.3% | — |
| 37 | Nationstar MortgageCoppell, TX | C | 34.6 score | 111 | 18.9% | 7.56% |
| 38 | Figure LendingCharlotte, NC | C | 33.8 score | 123 | 27.6% | 8.50% |
| 39 | Loandepot.ComIrvine, CA | D | 32.9 score | 243 | 25.9% | 6.49% |
| 40 | U.S. BankCincinnati, OH | D | 29.4 score | 486 | 30.0% | 7.30% |
| 41 | Broker SolutionsTustin, CA | D | 28.6 score | 203 | 14.8% | 6.88% |
| 42 | NewrezWilmington, DE | D | 28.2 score | 271 | 15.5% | 6.49% |
| 43 | Navy Federal Credit UnionVienna, VA | D | 23.6 score | 138 | 18.8% | 6.13% |
| 44 | AmeriSave MortgageSandy Springs, GA | D | 16.7 score | 159 | 57.2% | 7.94% |
| 45 | Discover BankGreenwood, DE | F | 6.0 score | 104 | 58.7% | 10.60% |
| 46 | 21st MortgageKnoxville, TN | F | 3.6 score | 390 | 42.8% | 11.10% |
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.
