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 | Leader BankArlington, MA | A | 87.6 score | 149 | 2.0% | 6.38% |
| 2 | BayCoast BankSwansea, MA | A | 75.6 score | 204 | 11.3% | 7.25% |
| 3 | Movement MortgageLancaster, SC | A | 75.4 score | 1,308 | 3.6% | 6.63% |
| 4 | CMG MortgageSan Ramon, CA | A | 73.7 score | 992 | 7.6% | 6.63% |
| 5 | Baycoast Mortgage CompanySwansea, MA | A | 72.1 score | 548 | 2.9% | 6.50% |
| 6 | Rf Renovo Management CompanyChicago, IL | B | 71.3 score | 171 | 0.0% | 9.99% |
| 7 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 182 | 8.2% | 6.50% |
| 8 | Guild MortgageSan Diego, CA | A | 70.8 score | 731 | 3.2% | 6.63% |
| 9 | NFMLinthicum, MD | A | 69.5 score | 556 | 1.6% | 6.75% |
| 10 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 780 | 18.0% | 6.38% |
| 11 | COASTAL1 Credit UnionPawtucket, RI | B | 66.0 score | 1,931 | 24.3% | 6.75% |
| 12 | Embrace Home LoansMiddletown, RI | A | 65.3 score | 153 | 9.8% | 6.63% |
| 13 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 242 | 9.5% | 6.38% |
| 14 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 152 | 6.6% | 6.75% |
| 15 | Navigant Credit UnionSmithfield, RI | B | 63.3 score | 2,847 | 16.1% | 6.50% |
| 16 | Guaranteed RateChicago, IL | B | 62.3 score | 426 | 5.6% | 6.58% |
| 17 | Paramount Residential Mortgage GroupCorona, CA | B | 61.3 score | 217 | 1.8% | 6.63% |
| 18 | Washington Trust Mortgage CompanyWesterly, RI | B | 60.5 score | 115 | 0.9% | 6.50% |
| 19 | Harborone MortgageBrockton, MA | B | 60.0 score | 221 | 4.1% | 6.63% |
| 20 | Mortgage Equity PartnersLynnfield, MA | B | 59.9 score | 164 | 1.8% | 6.50% |
| 21 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 59.4 score | 488 | 3.9% | 6.63% |
| 22 | Fall River Five Cents Savings BankFall River, MA | B | 58.7 score | 345 | 9.6% | 6.63% |
| 23 | First Home MortgageBaltimore, MD | B | 58.6 score | 106 | 16.0% | 6.75% |
| 24 | BankNewportMiddletown, RI | B | 57.4 score | 1,014 | 19.7% | 6.63% |
| 25 | Bristol County Savings BankTaunton, MA | B | 57.2 score | 109 | 10.1% | 6.50% |
| 26 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 584 | 7.7% | 6.25% |
| 27 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 323 | 7.4% | 6.75% |
| 28 | Brookline BankBoston, MA | B | 55.2 score | 192 | 16.2% | 6.75% |
| 29 | Centreville BankWest Warwick, RI | B | 54.4 score | 542 | 12.9% | 6.49% |
| 30 | Total Mortgage ServicesMilford, CT | B | 53.5 score | 204 | 2.5% | 6.75% |
| 31 | Nations Direct MortgageHenderson, NV | B | 52.1 score | 102 | 21.6% | 6.75% |
| 32 | Primary Residential MortgageSalt Lake City, UT | C | 50.9 score | 1,056 | 8.4% | 6.63% |
| 33 | Mortgage Research CenterColumbia, MO | C | 50.8 score | 368 | 22.3% | 6.25% |
| 34 | Province Mortgage AssociatesEast Providence, RI | C | 50.5 score | 355 | 6.2% | 6.75% |
| 35 | Westerly CommunityWakefield, RI | C | 50.3 score | 575 | 17.2% | 6.99% |
| 36 | Waterstone MortgageBrookfield, WI | C | 49.3 score | 109 | 7.3% | 6.50% |
| 37 | Bank Rhode IslandBoston, MA | C | 47.5 score | 277 | 26.4% | 7.25% |
| 38 | Pennymac Loan ServicesWestlake Village, CA | C | 47.0 score | 557 | 12.4% | 6.50% |
| 39 | Northpointe BankGrand Rapids, MI | C | 46.1 score | 298 | 6.0% | 6.63% |
| 40 | Greenwood Credit UnionWarwick, RI | C | 45.4 score | 499 | 23.5% | 6.75% |
| 41 | The Washington Trust Company, of WesterlyWesterly, RI | C | 44.6 score | 1,755 | 21.9% | 6.38% |
| 42 | Rockland TrustRockland, MA | C | 44.5 score | 114 | 35.1% | 6.74% |
| 43 | Semper Home LoansWilmington, DE | C | 44.4 score | 261 | 3.5% | 6.50% |
| 44 | Rocket MortgagePlymouth, MI | C | 43.7 score | 1,430 | 19.7% | 6.75% |
| 45 | OCMBCIrvine, CA | C | 40.1 score | 113 | 5.3% | 7.50% |
| 46 | Mutual of Omaha MortgageSan Diego, CA | C | 39.2 score | 184 | 27.7% | 6.49% |
| 47 | Lakeview Loan ServicingCoral Gables, FL | C | 37.9 score | 248 | 44.4% | 6.50% |
| 48 | HarborOne BankBrockton, MA | C | 36.2 score | 180 | 48.9% | 6.74% |
| 49 | Nationstar MortgageCoppell, TX | C | 34.6 score | 283 | 14.5% | 7.49% |
| 50 | Figure LendingCharlotte, NC | C | 33.8 score | 210 | 33.8% | 10.40% |
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.
