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 | Vermont Federal Credit UnionSouth Burlington, VT | A | 79.3 score | 1,003 | 12.0% | 6.75% |
| 2 | Northeast Home LoanChesterfield, NH | A | 75.8 score | 524 | 2.1% | 6.50% |
| 3 | CMG MortgageSan Ramon, CA | A | 73.7 score | 459 | 5.7% | 6.63% |
| 4 | Community National BankDerby, VT | A | 72.4 score | 306 | 4.9% | 6.91% |
| 5 | Guild MortgageSan Diego, CA | A | 70.8 score | 198 | 3.0% | 6.50% |
| 6 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 219 | 9.1% | 6.36% |
| 7 | Eastrise Federal Credit UnionWilliston, VT | A | 67.3 score | 3,529 | 5.1% | 6.50% |
| 8 | 802 Credit UnionBarre, VT | B | 66.3 score | 328 | 3.7% | 6.88% |
| 9 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 125 | 8.8% | 6.38% |
| 10 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 167 | 10.2% | 6.75% |
| 11 | Union BankMorristown, VT | B | 63.5 score | 641 | 4.5% | 6.63% |
| 12 | Mascoma BankLebanon, NH | B | 62.0 score | 717 | 16.5% | 6.75% |
| 13 | Emm LoansCherry Hill, NJ | B | 59.2 score | 761 | 1.5% | 6.63% |
| 14 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 219 | 9.6% | 6.25% |
| 15 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 102 | 8.8% | 7.13% |
| 16 | Northfield Savings BankNorthfield, VT | B | 55.8 score | 319 | 9.7% | 6.50% |
| 17 | The National Bank of MiddleburyMiddlebury, VT | B | 53.3 score | 156 | 5.1% | — |
| 18 | Mortgage Research CenterColumbia, MO | C | 50.8 score | 366 | 15.3% | 6.44% |
| 19 | Peoples Trust Company of St. AlbansSt. Albans, VT | B | 50.5 score | 208 | 8.7% | — |
| 20 | Manufacturers and Traders TrustBuffalo, NY | C | 49.2 score | 617 | 30.8% | 5.99% |
| 21 | Pennymac Loan ServicesWestlake Village, CA | C | 47.0 score | 181 | 10.5% | 6.13% |
| 22 | North CountrySouth Burlington, VT | C | 47.0 score | 1,135 | 9.5% | 7.25% |
| 23 | Rocket MortgagePlymouth, MI | C | 43.7 score | 1,165 | 22.0% | 6.75% |
| 24 | Mutual of Omaha MortgageSan Diego, CA | C | 39.2 score | 111 | 16.2% | 6.25% |
| 25 | ONE Credit UnionSpringfield, VT | C | 35.9 score | 107 | 13.1% | 7.13% |
| 26 | Figure LendingCharlotte, NC | C | 33.8 score | 166 | 42.2% | 9.94% |
| 27 | Loandepot.ComIrvine, CA | D | 32.9 score | 116 | 28.5% | 6.19% |
| 28 | Citizens BankProvidence, RI | C | 32.7 score | 826 | 38.9% | 7.65% |
| 29 | U.S. BankCincinnati, OH | D | 29.4 score | 145 | 50.3% | 6.99% |
| 30 | Broker SolutionsTustin, CA | D | 28.6 score | 228 | 11.0% | 6.75% |
| 31 | NewrezWilmington, DE | D | 28.2 score | 273 | 20.9% | 6.69% |
| 32 | Bar Harbor Bank & TrustBar Harbor, ME | D | 27.9 score | 119 | 25.2% | 7.20% |
| 33 | TD BankWilmington, DE | D | 26.7 score | 390 | 24.4% | 7.49% |
| 34 | Community BankCanton, NY | D | 26.1 score | 607 | 13.3% | 7.00% |
| 35 | Navy Federal Credit UnionVienna, VA | D | 23.6 score | 184 | 19.6% | 6.75% |
| 36 | Spring EqConshohocken, PA | D | 17.5 score | 118 | 59.3% | 8.83% |
| 37 | AmeriSave MortgageSandy Springs, GA | D | 16.7 score | 242 | 63.6% | 7.75% |
| 38 | Better MortgageNew York, NY | F | 16.3 score | 219 | 25.6% | 6.63% |
| 39 | Bank of AmericaCharlotte, NC | F | 11.5 score | 191 | 27.2% | 6.00% |
| 40 | 21st MortgageKnoxville, TN | F | 3.6 score | 124 | 40.3% | 9.48% |
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.
