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 | 2,009 | 0.9% | 5.49% |
| 2 | Peoples BankLubbock, TX | A | 92.0 score | 167 | 1.8% | — |
| 3 | Priority Home MortgageAustin, TX | A | 90.7 score | 1,309 | 0.3% | 5.75% |
| 4 | AaxyAustin, TX | A | 90.6 score | 217 | 0.0% | 6.13% |
| 5 | Jnc Mortgage CompanyEl Paso, TX | A | 90.6 score | 175 | 0.0% | 5.38% |
| 6 | Sirva MortgageSeven Hills, OH | A | 90.0 score | 186 | 2.2% | 6.50% |
| 7 | 212 Loans, LLC.San Antonio, TX | A | 90.0 score | 233 | 0.0% | 11.65% |
| 8 | Dominion Financial ServicesBaltimore, MD | A | 90.0 score | 339 | 0.0% | 7.38% |
| 9 | Easy Street CapitalAustin, TX | A | 90.0 score | 382 | 0.0% | 9.90% |
| 10 | Unnamed lender 254900YZ174H294JW398 | A | 89.6 score | 1,105 | 2.7% | 6.00% |
| 11 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 777 | 4.9% | 5.90% |
| 12 | Stifel Bank and TrustSaint Louis, MO | A | 87.7 score | 158 | 1.9% | 6.00% |
| 13 | The First National Bank of McGregorMc Gregor, TX | A | 87.0 score | 160 | 1.9% | — |
| 14 | Highland HomeloansPlano, TX | A | 87.0 score | 456 | 3.1% | 5.49% |
| 15 | Unnamed lender 2549004YKXDDHUWUOH37 | A | 86.9 score | 620 | 0.2% | 4.99% |
| 16 | Unnamed lender 549300UK9R93LGQHOV21 | A | 85.5 score | 553 | 0.4% | 5.25% |
| 17 | M/i FinancialColumbus, OH | A | 85.3 score | 2,534 | 3.4% | 4.88% |
| 18 | Charles Schwab BankWestlake, TX | A | 84.3 score | 379 | 4.0% | 5.50% |
| 19 | Premia Mortgage, LLC DBA Premia Relocation MortgageTroy, MI | A | 83.8 score | 332 | 3.9% | 6.13% |
| 20 | Shea MortgageWalnut, CA | A | 83.7 score | 107 | 1.9% | 5.75% |
| 21 | Southern Lending ServicesHouston, TX | A | 83.1 score | 241 | 0.4% | 5.75% |
| 22 | Unnamed lender 254900H565SUNWJ0IV44 | A | 83.1 score | 288 | 0.0% | 5.49% |
| 23 | Community National Bank & Trust of TexasCorsicana, TX | A | 83.0 score | 144 | 1.4% | — |
| 24 | Brightland Mortgage ServicesHouston, TX | A | 82.6 score | 908 | 0.8% | 5.75% |
| 25 | Texoma Community Credit UnionWichita Falls, TX | A | 81.9 score | 240 | 0.0% | 7.89% |
| 26 | NmsiLos Angeles, CA | A | 81.8 score | 163 | 0.0% | 6.63% |
| 27 | Lakeview Community CapitalTucson, AZ | A | 81.6 score | 1,071 | 1.3% | 6.25% |
| 28 | General Mortgage CapitalBurlingame, CA | A | 81.1 score | 378 | 1.3% | 6.56% |
| 29 | The First National Bank of GranburyGranbury, TX | A | 80.3 score | 162 | 3.1% | — |
| 30 | Velocio MortgageSan Antonio, TX | A | 79.8 score | 4,020 | 3.8% | 4.25% |
| 31 | Parkstone MortgageHouston, TX | A | 79.6 score | 1,443 | 0.4% | 5.99% |
| 32 | First Continental MortgageHouston, TX | A | 79.3 score | 259 | 0.0% | 5.75% |
| 33 | Raymond James BankSaint Petersburg, FL | A | 79.2 score | 177 | 5.7% | 5.44% |
| 34 | First United BankLubbock, TX | A | 79.0 score | 407 | 1.7% | 6.49% |
| 35 | Grace Home LendingHouston, TX | A | 78.6 score | 730 | 1.0% | 5.63% |
| 36 | Central National BankWaco, TX | A | 78.0 score | 294 | 5.1% | — |
| 37 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 8,656 | 6.0% | 6.25% |
| 38 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 5,374 | 2.5% | 6.25% |
| 39 | Cadence Lending GroupEl Paso, TX | A | 77.7 score | 406 | 0.7% | 6.25% |
| 40 | Heritage MortgageMadison, AL | A | 77.3 score | 280 | 2.5% | 5.75% |
| 41 | First Colony MortgageOrem, UT | A | 77.3 score | 643 | 6.7% | 6.25% |
| 42 | First National Bank of HuntsvilleHuntsville, TX | A | 77.0 score | 185 | 5.4% | — |
| 43 | Watermark CapitalIrvine, CA | A | 77.0 score | 183 | 1.6% | 6.63% |
| 44 | Brookhollow Mortgage ServicesAddison, TX | A | 77.0 score | 575 | 0.7% | 5.75% |
| 45 | Patriot MortgageEl Paso, TX | A | 76.7 score | 260 | 1.5% | 5.63% |
| 46 | Inwood National BankDallas, TX | A | 75.5 score | 200 | 3.5% | 6.49% |
| 47 | Crestmark Mortgage CompanyHouston, TX | A | 75.4 score | 1,296 | 0.8% | 5.99% |
| 48 | Republic State MortgageHouston, TX | A | 75.4 score | 1,453 | 1.1% | 5.75% |
| 49 | Movement MortgageLancaster, SC | A | 75.4 score | 3,450 | 3.6% | 6.63% |
| 50 | Lendlo MortgageHouston, TX | A | 75.1 score | 230 | 1.3% | 5.75% |
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.
