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 | Elizabethton Federal Savings BankElizabethton, TN | A | 93.5 score | 139 | 0.7% | — |
| 2 | Security BankNewbern, TN | A | 93.0 score | 108 | 0.0% | — |
| 3 | Knoxville Teachers Federal Credit UnionKnoxville, TN | A | 92.9 score | 199 | 0.5% | 6.65% |
| 4 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 111 | 0.0% | 7.25% |
| 5 | Sirva MortgageSeven Hills, OH | A | 90.0 score | 131 | 1.5% | 6.38% |
| 6 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 247 | 3.6% | 5.95% |
| 7 | First Commerce BankLewisburg, TN | A | 87.8 score | 173 | 0.0% | — |
| 8 | Stifel Bank and TrustSaint Louis, MO | A | 87.7 score | 104 | 0.0% | 6.13% |
| 9 | Peoples Bank of the SouthLa Follette, TN | A | 87.5 score | 272 | 0.7% | 7.00% |
| 10 | Carroll Bank and TrustHuntingdon, TN | A | 86.8 score | 524 | 1.9% | — |
| 11 | Financial Federal BankMemphis, TN | A | 85.0 score | 197 | 1.0% | 6.63% |
| 12 | Bank of DicksonDickson, TN | A | 84.5 score | 117 | 3.4% | — |
| 13 | Charles Schwab BankWestlake, TX | A | 84.3 score | 110 | 4.6% | 5.50% |
| 14 | Legacy Home LoansNashville, TN | A | 84.1 score | 1,420 | 1.1% | 6.49% |
| 15 | Bank of ClevelandCleveland, TN | A | 83.3 score | 161 | 1.2% | — |
| 16 | Intercoastal MortgageReston, VA | A | 82.4 score | 149 | 6.0% | 6.25% |
| 17 | Citizens BankCarthage, TN | A | 80.3 score | 195 | 3.6% | — |
| 18 | Listerhill Credit UnionMuscle Shoals, AL | A | 79.6 score | 106 | 6.6% | 6.00% |
| 19 | Citizens Bank of LafayetteLafayette, TN | A | 78.6 score | 618 | 0.5% | 7.50% |
| 20 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 312 | 5.8% | 6.50% |
| 21 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 726 | 2.5% | 6.50% |
| 22 | Heritage MortgageMadison, AL | A | 77.3 score | 132 | 1.5% | 6.50% |
| 23 | First Colony MortgageOrem, UT | A | 77.3 score | 340 | 7.9% | 6.50% |
| 24 | Bell BankFargo, ND | A | 76.2 score | 304 | 17.4% | 7.25% |
| 25 | Movement MortgageLancaster, SC | A | 75.4 score | 3,282 | 3.8% | 6.63% |
| 26 | Flat Branch MortgageColumbia, MO | A | 75.1 score | 157 | 0.6% | 6.38% |
| 27 | Delmar FinancialSaint Louis, MO | A | 74.8 score | 193 | 0.5% | 6.50% |
| 28 | Homeamerican MortgageDenver, CO | A | 74.4 score | 152 | 7.2% | 4.50% |
| 29 | Bank3Memphis, TN | A | 74.3 score | 185 | 3.8% | — |
| 30 | CMG MortgageSan Ramon, CA | A | 73.7 score | 5,643 | 2.9% | 6.50% |
| 31 | The Farmers BankPortland, TN | A | 73.6 score | 402 | 5.5% | 7.50% |
| 32 | SouthEast BankFarragut, TN | A | 73.5 score | 481 | 11.0% | 7.50% |
| 33 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 272 | 6.3% | 6.38% |
| 34 | Community MortgageCordova, | A | 73.1 score | 1,026 | 2.5% | 6.38% |
| 35 | Paragon BankMemphis, TN | A | 72.8 score | 104 | 2.9% | — |
| 36 | Lennar MortgageMiami, FL | A | 72.3 score | 870 | 10.1% | 4.88% |
| 37 | ServisFirst BankBirmingham, AL | A | 72.2 score | 185 | 3.2% | 6.75% |
| 38 | Studio BankNashville, TN | A | 72.1 score | 225 | 2.2% | 6.61% |
| 39 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 3,154 | 6.0% | 6.38% |
| 40 | Shelter Lending ServicesGrafton, WI | A | 71.5 score | 129 | 0.0% | 6.63% |
| 41 | Guild MortgageSan Diego, CA | A | 70.8 score | 857 | 4.0% | 6.63% |
| 42 | Pulte MortgageWilmington, DE | A | 70.4 score | 348 | 13.2% | 6.13% |
| 43 | Home Federal Bank of TennesseeKnoxville, TN | B | 70.2 score | 978 | 5.9% | 5.99% |
| 44 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 204 | 11.8% | 6.13% |
| 45 | F&M BankClarksville, TN | A | 69.6 score | 656 | 15.2% | 7.15% |
| 46 | NFMLinthicum, MD | A | 69.5 score | 281 | 2.1% | 6.75% |
| 47 | Swbc MortgageSan Antonio, TX | A | 69.1 score | 844 | 3.3% | 6.63% |
| 48 | AcopiaGoodlettsville, TN | A | 69.0 score | 163 | 3.1% | 6.38% |
| 49 | Southern Bank of TennesseeMount Juliet, TN | B | 69.0 score | 201 | 3.0% | — |
| 50 | UBS Bank USASalt Lake City, UT | A | 68.9 score | 112 | 3.6% | 6.00% |
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.
