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 | 346 | 0.9% | 6.13% |
| 2 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 177 | 5.1% | 5.84% |
| 3 | Cache Valley BankLogan, UT | A | 81.7 score | 300 | 1.0% | 6.63% |
| 4 | My Move MortgageUtah, UT | A | 80.1 score | 1,487 | 0.6% | 6.13% |
| 5 | Nest Home LendingBoulder, CO | A | 79.6 score | 240 | 0.4% | 5.88% |
| 6 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 277 | 4.7% | 6.38% |
| 7 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 277 | 4.0% | 6.50% |
| 8 | First Colony MortgageOrem, UT | A | 77.3 score | 3,499 | 2.1% | 6.38% |
| 9 | Homeamerican MortgageDenver, CO | A | 74.4 score | 399 | 7.3% | 4.63% |
| 10 | CMG MortgageSan Ramon, CA | A | 73.7 score | 451 | 3.6% | 6.63% |
| 11 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 968 | 6.6% | 6.25% |
| 12 | Lennar MortgageMiami, FL | A | 72.3 score | 709 | 9.0% | 4.99% |
| 13 | Security Home Mortgage, LLC.Orem, UT | A | 71.7 score | 662 | 1.4% | 6.50% |
| 14 | State Bank of Southern UtahCedar City, UT | A | 71.3 score | 797 | 9.5% | 7.50% |
| 15 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 344 | 7.6% | 6.51% |
| 16 | Guild MortgageSan Diego, CA | A | 70.8 score | 5,427 | 1.5% | 6.50% |
| 17 | Bank of UtahOgden, UT | A | 70.5 score | 884 | 1.5% | 6.38% |
| 18 | Deseret First Credit UnionWest Valley City, UT | A | 70.0 score | 960 | 12.7% | 7.50% |
| 19 | Intercap LendingSalt Lake City, UT | A | 69.3 score | 4,881 | 0.7% | 6.50% |
| 20 | Swbc MortgageSan Antonio, TX | A | 69.1 score | 125 | 1.6% | 6.50% |
| 21 | Planet Home LendingMeriden, CT | B | 67.8 score | 219 | 6.9% | 6.13% |
| 22 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 11,325 | 8.5% | 6.25% |
| 23 | Central BankProvo, UT | B | 66.8 score | 184 | 2.2% | — |
| 24 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 1,571 | 8.6% | 5.75% |
| 25 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 818 | 10.9% | 6.38% |
| 26 | Inspire Home LoansNewport Beach, CA | B | 64.8 score | 160 | 4.4% | 4.88% |
| 27 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 1,304 | 2.7% | 6.63% |
| 28 | Sun American MortgageMesa, AZ | B | 64.3 score | 535 | 1.7% | 6.49% |
| 29 | Union Home MortgageStrongsville, OH | B | 62.8 score | 174 | 2.3% | 6.13% |
| 30 | ResicentralLarkspur, CA | B | 62.7 score | 245 | 3.7% | 6.38% |
| 31 | Guaranteed RateChicago, IL | B | 62.3 score | 703 | 8.7% | 6.50% |
| 32 | Utah Community Federal Credit UnionProvo, UT | B | 62.0 score | 2,573 | 16.1% | 6.99% |
| 33 | Utah Power Federally Insured State-Chartered Credit UnionSalt Lake City, UT | B | 61.7 score | 264 | 1.9% | 6.50% |
| 34 | Paramount Residential Mortgage GroupCorona, CA | B | 61.3 score | 625 | 3.7% | 6.38% |
| 35 | Sun West Mortgage CompanyCerritos, CA | B | 61.0 score | 144 | 13.2% | 6.13% |
| 36 | Gardner Financial ServicesSan Antonio, TX | B | 59.5 score | 240 | 0.8% | 6.63% |
| 37 | Canopy MortgageLindon, UT | B | 59.2 score | 842 | 3.3% | 6.38% |
| 38 | Plains Commerce BankSioux Falls, SD | B | 59.0 score | 1,405 | 4.4% | 6.50% |
| 39 | Belem ServicingSaint George, UT | B | 58.6 score | 366 | 0.6% | 6.63% |
| 40 | ConventusSan Francisco, CA | B | 58.0 score | 116 | 0.0% | 9.00% |
| 41 | GoldenwestOgden, UT | B | 57.8 score | 4,794 | 17.6% | 7.50% |
| 42 | The Loan StoreSan Francisco, CA | B | 57.1 score | 2,524 | 5.4% | 6.49% |
| 43 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 1,549 | 8.7% | 6.13% |
| 44 | Van Dyk MortgageGrand Rapids, MI | B | 56.5 score | 124 | 0.0% | 6.25% |
| 45 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 1,088 | 2.9% | 6.63% |
| 46 | University First Federal Credit UnionWest Jordan, UT | B | 56.4 score | 1,634 | 20.1% | 4.99% |
| 47 | AscentOgden, UT | B | 56.3 score | 137 | 11.7% | 6.75% |
| 48 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home LoansFort Mill, SC | B | 55.8 score | 193 | 5.7% | 6.00% |
| 49 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 55.1 score | 217 | 3.2% | 6.25% |
| 50 | Zions BancorporationSalt Lake City, UT | B | 55.1 score | 3,013 | 22.9% | 6.49% |
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.
