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 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 103 | 0.0% | 11.00% |
| 2 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 235 | 3.4% | 5.95% |
| 3 | The Bank of South CarolinaCharleston, SC | A | 89.0 score | 140 | 0.0% | — |
| 4 | Charles Schwab BankWestlake, TX | A | 84.3 score | 114 | 7.0% | 5.63% |
| 5 | The Citizens BankOlanta, SC | A | 82.5 score | 206 | 1.9% | — |
| 6 | Intercoastal MortgageReston, VA | A | 82.4 score | 252 | 4.4% | 6.50% |
| 7 | Lakeview Community CapitalTucson, AZ | A | 81.6 score | 147 | 3.4% | 6.25% |
| 8 | American Security MortgageCharlotte, NC | A | 80.9 score | 312 | 0.3% | 6.38% |
| 9 | Velocio MortgageSan Antonio, TX | A | 79.8 score | 493 | 3.7% | 4.99% |
| 10 | Atlantic Coast MortgageFairfax, VA | A | 79.6 score | 477 | 2.5% | 6.63% |
| 11 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 2,046 | 4.0% | 6.38% |
| 12 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 711 | 2.4% | 6.62% |
| 13 | Movement MortgageLancaster, SC | A | 75.4 score | 4,069 | 3.1% | 6.56% |
| 14 | Delmar FinancialSaint Louis, MO | A | 74.8 score | 347 | 1.2% | 6.49% |
| 15 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 74.6 score | 1,301 | 3.2% | 6.62% |
| 16 | CMG MortgageSan Ramon, CA | A | 73.7 score | 1,895 | 6.1% | 6.63% |
| 17 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 250 | 5.2% | 6.38% |
| 18 | Schumacher MortgageCanton, OH | A | 73.1 score | 108 | 2.8% | 4.99% |
| 19 | Bank of the LowcountryWalterboro, SC | A | 72.5 score | 121 | 6.6% | — |
| 20 | Lennar MortgageMiami, FL | A | 72.3 score | 3,802 | 10.6% | 6.13% |
| 21 | ServisFirst BankBirmingham, AL | A | 72.2 score | 139 | 2.2% | 7.00% |
| 22 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 151 | 9.9% | 6.63% |
| 23 | First Heritage MortgageFairfax, VA | A | 71.6 score | 1,619 | 3.0% | 6.25% |
| 24 | Taylor Morrison Home FundingMaitland, FL | A | 71.4 score | 207 | 5.3% | 5.56% |
| 25 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 623 | 4.5% | 6.50% |
| 26 | Guild MortgageSan Diego, CA | A | 70.8 score | 3,859 | 4.8% | 6.63% |
| 27 | The Conway National BankConway, SC | B | 70.5 score | 330 | 2.4% | — |
| 28 | Pulte MortgageWilmington, DE | A | 70.4 score | 1,526 | 8.1% | 5.99% |
| 29 | Corning Credit UnionCorning, NY | A | 70.2 score | 179 | 21.2% | 6.13% |
| 30 | Howard Hanna Financial ServicesPittsburgh, PA | A | 70.2 score | 201 | 1.5% | 6.50% |
| 31 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 192 | 6.8% | 6.50% |
| 32 | NFMLinthicum, MD | A | 69.5 score | 237 | 0.8% | 6.75% |
| 33 | S. C. State Federal Credit UnionColumbia, SC | A | 69.3 score | 1,594 | 22.5% | 4.50% |
| 34 | AcopiaGoodlettsville, TN | A | 69.0 score | 477 | 2.3% | 5.99% |
| 35 | Planet Home LendingMeriden, CT | B | 67.8 score | 393 | 18.6% | 5.99% |
| 36 | Ameris BankAtlanta, GA | B | 67.8 score | 2,512 | 7.8% | 6.49% |
| 37 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 9,236 | 12.8% | 6.13% |
| 38 | Northpoint MortgageSturbridge, MA | A | 67.4 score | 525 | 1.5% | 6.63% |
| 39 | First Reliance BankFlorence, SC | A | 67.4 score | 1,118 | 4.3% | 6.63% |
| 40 | The Peoples BankIva, SC | B | 67.3 score | 111 | 1.8% | — |
| 41 | Alcova MortgageRoanoke, VA | A | 67.0 score | 566 | 5.7% | 6.63% |
| 42 | Toll Brothers MortgageWilmington, DE | A | 66.3 score | 444 | 5.4% | 6.49% |
| 43 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 6,184 | 17.4% | 4.99% |
| 44 | Jet HomeloansJacksonville, FL | A | 65.9 score | 972 | 6.1% | 4.99% |
| 45 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 1,645 | 9.1% | 6.49% |
| 46 | Renasant BankTupelo, MS | B | 65.2 score | 656 | 2.7% | 6.50% |
| 47 | Inspire Home LoansNewport Beach, CA | B | 64.8 score | 241 | 11.6% | 6.00% |
| 48 | Southern Trust MortgageVirginia Beach, VA | B | 64.7 score | 176 | 5.7% | 6.63% |
| 49 | T2 FinancialWesterville, OH | B | 64.7 score | 791 | 9.0% | 6.75% |
| 50 | GoPrime MortgageApex, NC | B | 64.6 score | 113 | 6.2% | 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.
