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 | Cincinnati Ohio PoliceCincinnati, OH | A | 96.5 score | 109 | 0.0% | — |
| 2 | Day-Met Credit UnionDayton, OH | A | 90.7 score | 103 | 0.0% | 6.38% |
| 3 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 459 | 0.0% | 7.38% |
| 4 | First Federal Community Bank of BucyrusBucyrus, OH | A | 89.8 score | 170 | 1.2% | — |
| 5 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 158 | 2.5% | 6.00% |
| 6 | Peoples State BankNew Lexington, OH | A | 87.0 score | 113 | 1.8% | — |
| 7 | The Home Loan Savings BankCoshocton, OH | A | 86.0 score | 189 | 2.7% | — |
| 8 | The North Side Bank & TrustCincinnati, OH | A | 85.9 score | 491 | 10.2% | 7.00% |
| 9 | M/i FinancialColumbus, OH | A | 85.3 score | 1,365 | 1.2% | 5.88% |
| 10 | General Mortgage CapitalBurlingame, CA | A | 81.1 score | 120 | 0.0% | 6.88% |
| 11 | German American BankJasper, IN | A | 80.5 score | 728 | 12.8% | 6.88% |
| 12 | Victory MortgageErlanger, KY | A | 80.5 score | 1,355 | 3.8% | 5.88% |
| 13 | New Carlisle Federal Savings BankNew Carlisle, OH | A | 78.5 score | 147 | 4.8% | — |
| 14 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 1,466 | 4.5% | 6.75% |
| 15 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 288 | 2.1% | 6.62% |
| 16 | First Colony MortgageOrem, UT | A | 77.3 score | 198 | 2.0% | 6.50% |
| 17 | The Ohio Valley BankGallipolis, OH | A | 76.9 score | 241 | 6.2% | 6.63% |
| 18 | The First National Bank of PandoraPandora, OH | A | 76.8 score | 150 | 3.3% | — |
| 19 | First Ohio Home FinanceWesterville, OH | A | 76.7 score | 791 | 0.5% | 6.75% |
| 20 | Movement MortgageLancaster, SC | A | 75.4 score | 662 | 5.4% | 6.75% |
| 21 | Minster BankMinster, OH | A | 74.8 score | 231 | 4.3% | 6.50% |
| 22 | 1st National BankLebanon, OH | A | 74.3 score | 391 | 0.8% | 6.38% |
| 23 | FREMONT Federal Credit UnionFremont, OH | A | 73.8 score | 516 | 3.7% | 7.25% |
| 24 | CMG MortgageSan Ramon, CA | A | 73.7 score | 675 | 4.0% | 6.75% |
| 25 | General Electric Credit UnionBlue Ash, OH | A | 73.7 score | 1,213 | 11.1% | 5.99% |
| 26 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 423 | 6.4% | 6.38% |
| 27 | Schumacher MortgageCanton, OH | A | 73.1 score | 219 | 1.8% | 5.38% |
| 28 | The Savings BankCircleville, | A | 72.5 score | 165 | 3.0% | — |
| 29 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 1,518 | 3.8% | 6.63% |
| 30 | The Genoa BankingGenoa, OH | A | 71.8 score | 405 | 5.2% | — |
| 31 | Buckeye State BankPowell, OH | A | 71.5 score | 106 | 0.9% | 6.75% |
| 32 | Rf Renovo Management CompanyChicago, IL | B | 71.3 score | 901 | 0.3% | 7.66% |
| 33 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 1,074 | 5.9% | 6.63% |
| 34 | Guild MortgageSan Diego, CA | A | 70.8 score | 448 | 3.8% | 6.63% |
| 35 | Pulte MortgageWilmington, DE | A | 70.4 score | 1,408 | 9.5% | 5.63% |
| 36 | LCNB National BankLebanon, OH | A | 70.4 score | 587 | 6.5% | 6.50% |
| 37 | The Commercial and Savings Bank of Millersburg, OhioMillersburg, OH | B | 70.3 score | 237 | 5.5% | — |
| 38 | West Penn Financial Service CenterWexford, PA | B | 70.2 score | 212 | 4.3% | 6.50% |
| 39 | Howard Hanna Financial ServicesPittsburgh, PA | A | 70.2 score | 2,100 | 0.9% | 6.63% |
| 40 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 352 | 12.8% | 6.25% |
| 41 | The Equitable MortgageDublin, OH | B | 69.7 score | 752 | 0.9% | 6.50% |
| 42 | Ruoff Mortgage CompanyFort Wayne, IN | A | 69.7 score | 2,464 | 4.8% | 6.75% |
| 43 | Ag Credit Agricultural Credit AssociationFostoria, OH | B | 69.6 score | 268 | 4.9% | 6.80% |
| 44 | NFMLinthicum, MD | A | 69.5 score | 4,370 | 1.1% | 6.75% |
| 45 | Union Savings BankCincinnati, OH | A | 69.4 score | 6,982 | 5.1% | 6.75% |
| 46 | BoxCar MortgageAtlanta, GA | A | 68.0 score | 177 | 2.8% | 6.75% |
| 47 | Planet Home LendingMeriden, CT | B | 67.8 score | 545 | 19.1% | 6.13% |
| 48 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 14,626 | 13.1% | 6.45% |
| 49 | CNB BankClearfield, PA | A | 67.3 score | 285 | 9.1% | 6.25% |
| 50 | Alcova MortgageRoanoke, VA | A | 67.0 score | 178 | 3.4% | 6.75% |
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.
