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 | 133 | 0.0% | 7.49% |
| 2 | Unnamed lender 254900YZ174H294JW398 | A | 89.6 score | 132 | 3.0% | 6.38% |
| 3 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 320 | 2.2% | 5.95% |
| 4 | National BanksharesBlacksburg, VA | A | 84.8 score | 281 | 2.5% | — |
| 5 | Park View Federal Credit UnionHarrisonburg, VA | A | 84.7 score | 124 | 1.6% | 7.00% |
| 6 | Charles Schwab BankWestlake, TX | A | 84.3 score | 139 | 2.9% | 5.63% |
| 7 | First Savings MortgageMclean, VA | A | 82.6 score | 955 | 0.8% | 6.50% |
| 8 | Intercoastal MortgageReston, VA | A | 82.4 score | 1,651 | 2.1% | 6.38% |
| 9 | Lakeview Community CapitalTucson, AZ | A | 81.6 score | 161 | 1.9% | 5.99% |
| 10 | Atlantic Coast MortgageFairfax, VA | A | 79.6 score | 4,256 | 1.8% | 6.49% |
| 11 | Jams-01Fairfax, VA | A | 79.3 score | 349 | 0.6% | 6.50% |
| 12 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 302 | 5.3% | 6.63% |
| 13 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 175 | 1.7% | 6.49% |
| 14 | First Colony MortgageOrem, UT | A | 77.3 score | 149 | 5.4% | 6.38% |
| 15 | Keystone FundingDover, DE | A | 76.9 score | 111 | 1.8% | 6.50% |
| 16 | Gray Fox MortgageCharlottesville, VA | A | 76.7 score | 253 | 0.4% | 6.63% |
| 17 | Movement MortgageLancaster, SC | A | 75.4 score | 6,126 | 4.3% | 6.56% |
| 18 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 74.6 score | 5,193 | 1.5% | 6.50% |
| 19 | Bank-Fund Staff Federal Credit UnionWashington, DC | A | 74.6 score | 540 | 9.3% | 6.50% |
| 20 | Homeamerican MortgageDenver, CO | A | 74.4 score | 289 | 8.0% | 5.00% |
| 21 | CMG MortgageSan Ramon, CA | A | 73.7 score | 3,213 | 3.1% | 6.25% |
| 22 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 591 | 6.4% | 6.38% |
| 23 | Tidewater Home FundingVirginia Beach, VA | A | 72.9 score | 289 | 2.8% | 6.38% |
| 24 | Bank of BotetourtBuchanan, VA | A | 72.5 score | 205 | 3.9% | — |
| 25 | Lennar MortgageMiami, FL | A | 72.3 score | 358 | 5.0% | 6.13% |
| 26 | First Community MortgageMurfreesboro, TN | A | 72.0 score | 618 | 6.6% | 6.49% |
| 27 | Southern Bank and TrustMount Olive, NC | A | 71.9 score | 258 | 18.6% | 7.25% |
| 28 | First Heritage MortgageFairfax, VA | A | 71.6 score | 3,232 | 3.0% | 6.38% |
| 29 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 482 | 2.7% | 6.38% |
| 30 | Vellum MortgageFairfax, VA | A | 71.1 score | 489 | 3.3% | 6.62% |
| 31 | The Farmers Bank of AppomattoxAppomattox, VA | A | 70.8 score | 123 | 6.5% | — |
| 32 | The Freedom Bank of VirginiaFairfax, VA | A | 70.8 score | 250 | 8.8% | 6.25% |
| 33 | Guild MortgageSan Diego, CA | A | 70.8 score | 1,475 | 4.2% | 6.50% |
| 34 | DuPont Community Federally Insured State-Chartered Credit UnionWaynesboro, VA | A | 70.8 score | 1,689 | 12.0% | 7.25% |
| 35 | Pulte MortgageWilmington, DE | A | 70.4 score | 288 | 7.3% | 6.19% |
| 36 | Skyline National BankIndependence, VA | B | 70.0 score | 381 | 5.0% | — |
| 37 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 2,747 | 3.6% | 6.50% |
| 38 | LoansteadyMclean, VA | A | 69.8 score | 156 | 0.6% | 6.49% |
| 39 | NFMLinthicum, MD | A | 69.5 score | 1,588 | 1.5% | 6.63% |
| 40 | Swbc MortgageSan Antonio, TX | A | 69.1 score | 572 | 3.9% | 6.63% |
| 41 | Planet Home LendingMeriden, CT | B | 67.8 score | 614 | 14.0% | 5.99% |
| 42 | Ameris BankAtlanta, GA | B | 67.8 score | 940 | 4.8% | 6.38% |
| 43 | Emet Lending GroupBrea, CA | A | 67.7 score | 207 | 0.0% | 6.88% |
| 44 | Towne First MortgageGlen Allen, VA | B | 67.6 score | 313 | 2.2% | 6.63% |
| 45 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 13,994 | 10.4% | 6.12% |
| 46 | First Reliance BankFlorence, SC | A | 67.4 score | 164 | 5.5% | 6.63% |
| 47 | CNB BankClearfield, PA | A | 67.3 score | 271 | 8.1% | 6.38% |
| 48 | Alcova MortgageRoanoke, VA | A | 67.0 score | 3,262 | 2.8% | 6.63% |
| 49 | Toll Brothers MortgageWilmington, DE | A | 66.3 score | 233 | 11.2% | 6.49% |
| 50 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 962 | 10.0% | 5.50% |
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.
