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 | Unnamed lender 254900467HCJ72XZNJ32 | A | 88.3 score | 114 | 0.0% | — |
| 2 | Sooner State BankTuttle, OK | A | 87.0 score | 129 | 0.8% | — |
| 3 | Financial Concepts MortgageEdmond, OK | A | 79.3 score | 590 | 1.4% | 6.50% |
| 4 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 100 | 5.0% | 6.49% |
| 5 | Quail Creek BankOklahoma City, OK | A | 77.0 score | 105 | 3.8% | — |
| 6 | First National Bank Of OklahomaOklahoma City, OK | A | 76.0 score | 242 | 1.2% | — |
| 7 | Movement MortgageLancaster, SC | A | 75.4 score | 158 | 6.3% | 6.75% |
| 8 | Lendlo MortgageHouston, TX | A | 75.1 score | 393 | 0.8% | 5.99% |
| 9 | Flat Branch MortgageColumbia, MO | A | 75.1 score | 1,843 | 1.3% | 6.49% |
| 10 | The Payne County BankPerkins, OK | A | 75.0 score | 112 | 4.5% | — |
| 11 | Mld MortgageFlorham Park, NJ | A | 74.9 score | 866 | 1.3% | 6.38% |
| 12 | Valor BankEdmond, OK | A | 74.3 score | 503 | 1.6% | — |
| 13 | Equity BankWichita, KS | A | 74.0 score | 323 | 14.2% | 7.75% |
| 14 | The BankMcalester, | A | 73.8 score | 104 | 6.7% | — |
| 15 | CMG MortgageSan Ramon, CA | A | 73.7 score | 496 | 3.8% | 6.00% |
| 16 | First Security Bank and TrustOklahoma City, OK | B | 72.5 score | 201 | 0.5% | — |
| 17 | Stride BankEnid, OK | A | 72.4 score | 1,716 | 2.2% | 6.38% |
| 18 | Lennar MortgageMiami, FL | A | 72.3 score | 774 | 11.4% | 5.25% |
| 19 | Cornerstone Capital BankHouston, TX | A | 71.7 score | 562 | 2.3% | 6.50% |
| 20 | Rf Renovo Management CompanyChicago, IL | B | 71.3 score | 101 | 0.0% | 7.80% |
| 21 | Guild MortgageSan Diego, CA | A | 70.8 score | 1,102 | 6.4% | 6.50% |
| 22 | Associated MortgageTulsa, OK | A | 70.4 score | 3,213 | 0.7% | 6.50% |
| 23 | Sovereign BankShawnee, OK | A | 70.3 score | 515 | 1.8% | 6.99% |
| 24 | Cwm PartnersNorman, OK | B | 69.9 score | 239 | 3.4% | 6.13% |
| 25 | First Oklahoma BankJenks, OK | B | 69.8 score | 102 | 2.0% | — |
| 26 | Swbc MortgageSan Antonio, TX | A | 69.1 score | 296 | 0.3% | 6.63% |
| 27 | Firstar BankSallisaw, OK | B | 68.5 score | 611 | 2.8% | 6.49% |
| 28 | Planet Home LendingMeriden, CT | B | 67.8 score | 217 | 23.5% | 5.99% |
| 29 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 3,735 | 13.8% | 6.13% |
| 30 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 1,089 | 9.7% | 4.99% |
| 31 | Unnamed lender 984500B8F043AF564B98 | B | 66.2 score | 199 | 2.5% | 6.50% |
| 32 | F&M BankEdmond, OK | B | 66.2 score | 360 | 3.3% | 6.88% |
| 33 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 988 | 10.4% | 6.50% |
| 34 | T2 FinancialWesterville, OH | B | 64.7 score | 324 | 5.9% | 6.75% |
| 35 | Firsttrust Home LoansSheridan, AR | B | 64.6 score | 245 | 0.8% | 6.25% |
| 36 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 417 | 2.6% | 6.75% |
| 37 | V.i.p. MortgageScottsdale, AZ | B | 64.2 score | 373 | 2.4% | 6.49% |
| 38 | Zillow Home LoansIrvine, CA | B | 64.0 score | 331 | 5.4% | 6.63% |
| 39 | Towne MortgageTroy, MI | B | 63.6 score | 218 | 4.1% | 6.25% |
| 40 | MidFirst BankOklahoma City, OK | B | 62.8 score | 1,173 | 26.7% | 6.50% |
| 41 | Union Home MortgageStrongsville, OH | B | 62.8 score | 406 | 5.9% | 6.63% |
| 42 | Guaranteed RateChicago, IL | B | 62.3 score | 706 | 8.1% | 6.53% |
| 43 | TTCU Federal Credit UnionTulsa, OK | B | 62.3 score | 1,401 | 16.7% | 6.88% |
| 44 | Bank 7Oklahoma City, OK | B | 62.0 score | 113 | 2.7% | — |
| 45 | First National Bank and Trust Company of ArdmoreArdmore, OK | B | 61.5 score | 162 | 5.6% | — |
| 46 | Paramount Residential Mortgage GroupCorona, CA | B | 61.3 score | 315 | 2.2% | 6.50% |
| 47 | The Citizens Bank of EdmondEdmond, OK | B | 61.0 score | 138 | 3.6% | — |
| 48 | Sun West Mortgage CompanyCerritos, CA | B | 61.0 score | 231 | 10.0% | 6.25% |
| 49 | Armstrong BankMuskogee, OK | B | 60.9 score | 1,013 | 10.1% | 7.10% |
| 50 | The First National Bank of Fort SmithFort Smith, AR | B | 60.1 score | 151 | 10.6% | 7.25% |
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.
