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 | Allentown Federal Credit UnionRoad Town, | A | 99.5 score | 173 | 1.7% | 4.75% |
| 2 | Slovenian Savings and Loan Association of CanonsburgStrabane, PA | A | 93.0 score | 197 | 0.5% | — |
| 3 | Mifflinburg Bank and TrustMifflinburg, PA | A | 90.8 score | 172 | 1.7% | — |
| 4 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 258 | 0.0% | 7.63% |
| 5 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 294 | 3.1% | 6.00% |
| 6 | SSB BankPittsburgh, PA | A | 88.0 score | 126 | 2.4% | — |
| 7 | Federated MortgagePittsburgh, PA | A | 87.0 score | 192 | 0.0% | 6.63% |
| 8 | Jersey Shore State BankWilliamsport, PA | A | 85.4 score | 938 | 5.0% | 5.49% |
| 9 | Hatboro Federal Savings, FAHatboro, PA | A | 82.8 score | 247 | 2.4% | — |
| 10 | New Tripoli BankNew Tripoli, PA | A | 80.5 score | 149 | 3.4% | — |
| 11 | Homestead FundingAlbany, NY | A | 80.2 score | 567 | 1.1% | 6.38% |
| 12 | MortgageCountryWhitpain Township, PA | A | 80.1 score | 424 | 0.2% | 6.25% |
| 13 | Service 1stDanville, PA | A | 80.0 score | 826 | 6.8% | 7.50% |
| 14 | Parke BankMantua, NJ | A | 79.9 score | 286 | 0.4% | 6.75% |
| 15 | Philadelphia Mortgage AdvisorsPlymouth Meeting, PA | A | 79.9 score | 406 | 1.0% | 6.50% |
| 16 | Merck Sharp & Dohme Federal Credit UnionChalfont, PA | A | 79.6 score | 679 | 8.0% | 6.50% |
| 17 | State Financial NetworkPhiladelphia, PA | A | 78.0 score | 177 | 2.8% | 6.38% |
| 18 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 950 | 4.3% | 6.50% |
| 19 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 489 | 2.5% | 6.62% |
| 20 | Top Tier Federal Credit UnionClarion, PA | A | 77.8 score | 180 | 3.3% | — |
| 21 | Nymeo Federal Credit UnionFrederick, MD | A | 77.6 score | 283 | 0.0% | 6.38% |
| 22 | Bank of Bird-in-HandBird-In-Hand, PA | A | 77.3 score | 468 | 1.7% | — |
| 23 | First Colony MortgageOrem, UT | A | 77.3 score | 543 | 2.6% | 6.63% |
| 24 | Journey BankBloomsburg, PA | A | 76.9 score | 1,083 | 5.2% | 6.50% |
| 25 | Keystone FundingDover, DE | A | 76.9 score | 1,210 | 2.2% | 6.50% |
| 26 | Mon Valley Community Federal Credit UnionAllenport, PA | A | 76.3 score | 142 | 4.9% | — |
| 27 | The Luzerne BankLuzerne, PA | A | 76.2 score | 276 | 13.0% | 5.49% |
| 28 | Susquehanna Community BankWest Milton, PA | A | 75.8 score | 146 | 3.4% | — |
| 29 | TRI BORO Federal Credit UnionMunhall, PA | A | 75.5 score | 134 | 3.0% | 6.49% |
| 30 | BhcuRidley Park, PA | A | 75.5 score | 188 | 4.3% | 6.50% |
| 31 | Movement MortgageLancaster, SC | A | 75.4 score | 5,099 | 2.7% | 6.63% |
| 32 | Armco Credit UnionButler, PA | A | 74.7 score | 784 | 9.6% | 7.50% |
| 33 | Cross Valley Federal Credit UnionWilkes Barre, PA | A | 74.4 score | 175 | 6.9% | 6.00% |
| 34 | Penn StateBellefonte, PA | A | 74.3 score | 102 | 8.8% | — |
| 35 | Orrstown BankHarrisburg, PA | A | 74.3 score | 1,209 | 21.0% | 5.50% |
| 36 | CMG MortgageSan Ramon, CA | A | 73.7 score | 3,550 | 4.1% | 6.63% |
| 37 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 1,256 | 5.0% | 6.38% |
| 38 | Lennar MortgageMiami, FL | A | 72.3 score | 388 | 1.6% | 4.99% |
| 39 | Mortgage AmericaWhitehall, PA | A | 72.3 score | 1,700 | 1.7% | 6.50% |
| 40 | Peoples Security Bank and TrustScranton, PA | A | 72.1 score | 1,339 | 17.3% | 4.75% |
| 41 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 482 | 3.1% | 6.63% |
| 42 | Rf Renovo Management CompanyChicago, IL | B | 71.3 score | 697 | 0.0% | 7.60% |
| 43 | The Ephrata National BankEphrata, PA | A | 71.1 score | 1,337 | 17.2% | 6.00% |
| 44 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 1,831 | 2.6% | 6.58% |
| 45 | Guild MortgageSan Diego, CA | A | 70.8 score | 4,032 | 2.3% | 6.63% |
| 46 | Lehigh Valley Educators Credit UnionAllentown, PA | A | 70.7 score | 115 | 1.7% | 6.74% |
| 47 | Altoona First Savings BankAltoona, PA | A | 70.5 score | 180 | 5.6% | — |
| 48 | Pulte MortgageWilmington, DE | A | 70.4 score | 161 | 2.5% | 6.63% |
| 49 | Corning Credit UnionCorning, NY | A | 70.2 score | 307 | 12.7% | 6.14% |
| 50 | West Penn Financial Service CenterWexford, PA | B | 70.2 score | 611 | 2.3% | 6.50% |
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.
