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 | Clm MortgageHouston, TX | A | 94.0 score | 355 | 1.7% | 5.49% |
| 2 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 162 | 3.1% | 5.98% |
| 3 | Charles Schwab BankWestlake, TX | A | 84.3 score | 105 | 3.8% | 5.50% |
| 4 | Oregonians Credit UnionMilwaukie, OR | A | 78.5 score | 452 | 15.9% | 5.50% |
| 5 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 294 | 5.1% | 6.49% |
| 6 | Sammamish MortgageBellevue, WA | A | 77.5 score | 147 | 1.4% | 6.38% |
| 7 | Universal LendingGreenwood Village, CO | A | 75.4 score | 125 | 8.0% | 4.99% |
| 8 | Movement MortgageLancaster, SC | A | 75.4 score | 1,364 | 4.7% | 6.75% |
| 9 | CMG MortgageSan Ramon, CA | A | 73.7 score | 2,702 | 2.9% | 6.50% |
| 10 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 735 | 3.3% | 6.38% |
| 11 | Lennar MortgageMiami, FL | A | 72.3 score | 892 | 5.7% | 4.99% |
| 12 | Cornerstone Capital BankHouston, TX | A | 71.7 score | 147 | 0.7% | 6.75% |
| 13 | Taylor Morrison Home FundingMaitland, FL | A | 71.4 score | 160 | 8.1% | 4.99% |
| 14 | Guild MortgageSan Diego, CA | A | 70.8 score | 6,034 | 2.6% | 6.55% |
| 15 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 204 | 11.3% | 6.25% |
| 16 | Planet Home LendingMeriden, CT | B | 67.8 score | 117 | 26.5% | 5.99% |
| 17 | Mortgage ExpressPortland, OR | A | 67.7 score | 1,480 | 3.5% | 6.50% |
| 18 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 6,600 | 10.4% | 6.25% |
| 19 | Columbia Community Credit UnionVancouver, WA | B | 66.9 score | 144 | 34.0% | 5.24% |
| 20 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 733 | 7.2% | 5.50% |
| 21 | Scenic Oaks FundingModesto, CA | A | 66.2 score | 205 | 1.0% | 6.49% |
| 22 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 1,381 | 11.8% | 6.38% |
| 23 | Consolidated Federal Credit UnionPortland, OR | B | 64.7 score | 478 | 19.9% | 4.99% |
| 24 | GoPrime MortgageApex, NC | B | 64.6 score | 176 | 4.6% | 6.49% |
| 25 | Evergreen Moneysource MortgageBellevue, WA | B | 64.5 score | 638 | 0.8% | 6.88% |
| 26 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 1,613 | 5.5% | 6.63% |
| 27 | Zillow Home LoansIrvine, CA | B | 64.0 score | 336 | 3.0% | 6.38% |
| 28 | Summit MortgagePortland, OR | B | 63.6 score | 354 | 2.0% | 6.49% |
| 29 | Union Home MortgageStrongsville, OH | B | 62.8 score | 984 | 4.2% | 6.50% |
| 30 | ResicentralLarkspur, CA | B | 62.7 score | 100 | 2.0% | 6.49% |
| 31 | Guaranteed RateChicago, IL | B | 62.3 score | 1,750 | 3.1% | 6.58% |
| 32 | Bay EquityCorte Madera, CA | B | 61.9 score | 244 | 3.3% | 6.63% |
| 33 | Paramount Residential Mortgage GroupCorona, CA | B | 61.3 score | 833 | 1.3% | 6.38% |
| 34 | Onpoint Community Credit UnionPortland, OR | B | 61.1 score | 10,710 | 15.7% | 7.50% |
| 35 | Sun West Mortgage CompanyCerritos, CA | B | 61.0 score | 205 | 15.6% | 5.88% |
| 36 | Sunflower BankDallas, TX | B | 59.9 score | 462 | 4.1% | 6.49% |
| 37 | Marion and Polk Schools Credit UnionSalem, OR | B | 59.5 score | 1,115 | 13.0% | 7.25% |
| 38 | Canopy MortgageLindon, UT | B | 59.2 score | 347 | 1.2% | 6.63% |
| 39 | Plains Commerce BankSioux Falls, SD | B | 59.0 score | 282 | 2.1% | 6.50% |
| 40 | First Technology Federal Credit UnionSan Jose, CA | B | 58.9 score | 2,230 | 12.6% | 7.38% |
| 41 | Nations LendingIndependence, OH | B | 58.5 score | 364 | 1.9% | 6.50% |
| 42 | Boeing Employees Credit UnionTukwila, WA | B | 58.5 score | 229 | 19.7% | 6.38% |
| 43 | Go MortgageBrookfield, WI | B | 58.4 score | 431 | 1.6% | 6.63% |
| 44 | LpmcSalem, OR | B | 58.0 score | 329 | 2.4% | 6.50% |
| 45 | The Loan StoreSan Francisco, CA | B | 57.1 score | 1,078 | 7.6% | 6.63% |
| 46 | Oregon CommunityEugene, OR | B | 57.1 score | 2,232 | 12.1% | 7.50% |
| 47 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 1,717 | 9.3% | 6.13% |
| 48 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 2,360 | 4.4% | 6.63% |
| 49 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 56.3 score | 102 | 13.7% | 6.38% |
| 50 | Merchants Mortgage & Trust CorporationGreenwood Village, CO | B | 56.3 score | 117 | 0.0% | 10.25% |
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.
