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 | 253 | 0.4% | 5.49% |
| 2 | Unnamed lender 254900YZ174H294JW398 | A | 89.6 score | 215 | 1.4% | 6.25% |
| 3 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 428 | 2.8% | 5.85% |
| 4 | Charles Schwab BankWestlake, TX | A | 84.3 score | 283 | 4.6% | 5.50% |
| 5 | General Mortgage CapitalBurlingame, CA | A | 81.1 score | 458 | 1.1% | 6.25% |
| 6 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 956 | 3.6% | 6.49% |
| 7 | Sammamish MortgageBellevue, WA | A | 77.5 score | 1,268 | 2.1% | 6.38% |
| 8 | Idaho Central Credit UnionChubbuck, ID | A | 77.0 score | 1,048 | 16.0% | 7.00% |
| 9 | Movement MortgageLancaster, SC | A | 75.4 score | 7,472 | 3.6% | 6.63% |
| 10 | Mld MortgageFlorham Park, NJ | A | 74.9 score | 397 | 0.8% | 6.38% |
| 11 | Homeamerican MortgageDenver, CO | A | 74.4 score | 381 | 8.9% | 5.00% |
| 12 | CMG MortgageSan Ramon, CA | A | 73.7 score | 7,817 | 3.1% | 6.63% |
| 13 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 878 | 6.5% | 6.38% |
| 14 | Genesis CapitalLos Angeles, CA | B | 72.8 score | 106 | 0.0% | 8.96% |
| 15 | Lennar MortgageMiami, FL | A | 72.3 score | 940 | 3.4% | 4.88% |
| 16 | Cornerstone Capital BankHouston, TX | A | 71.7 score | 1,626 | 1.1% | 6.50% |
| 17 | Taylor Morrison Home FundingMaitland, FL | A | 71.4 score | 154 | 3.3% | 5.88% |
| 18 | Rf Renovo Management CompanyChicago, IL | B | 71.3 score | 107 | 0.0% | 9.50% |
| 19 | Guaranteed Rate AffinityChicago, IL | A | 71.1 score | 201 | 5.0% | 6.50% |
| 20 | Guild MortgageSan Diego, CA | A | 70.8 score | 8,056 | 3.4% | 6.63% |
| 21 | Pulte MortgageWilmington, DE | A | 70.4 score | 242 | 6.2% | 5.25% |
| 22 | Prosperity Home MortgageFairfax, VA | A | 69.9 score | 195 | 6.7% | 6.50% |
| 23 | NFMLinthicum, MD | A | 69.5 score | 1,000 | 2.0% | 6.63% |
| 24 | Intercap LendingSalt Lake City, UT | A | 69.3 score | 103 | 1.0% | 6.38% |
| 25 | Cathay BankEl Monte, CA | A | 69.2 score | 122 | 11.5% | 6.38% |
| 26 | UBS Bank USASalt Lake City, UT | A | 68.9 score | 154 | 5.2% | 5.88% |
| 27 | Planet Home LendingMeriden, CT | B | 67.8 score | 381 | 17.6% | 5.99% |
| 28 | Mortgage ExpressPortland, OR | A | 67.7 score | 275 | 2.9% | 6.63% |
| 29 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 13,770 | 10.0% | 6.13% |
| 30 | America'S Credit Union, aDupont, WA | A | 67.2 score | 285 | 3.5% | 6.75% |
| 31 | Columbia Community Credit UnionVancouver, WA | B | 66.9 score | 1,884 | 27.2% | 5.24% |
| 32 | Toll Brothers MortgageWilmington, DE | A | 66.3 score | 245 | 6.5% | 6.38% |
| 33 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 2,173 | 6.3% | 5.50% |
| 34 | Scenic Oaks FundingModesto, CA | A | 66.2 score | 484 | 2.1% | 6.62% |
| 35 | Cashmere Valley BankCashmere, WA | B | 65.8 score | 193 | 7.8% | — |
| 36 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 4,293 | 8.5% | 6.13% |
| 37 | Inspire Home LoansNewport Beach, CA | B | 64.8 score | 312 | 3.9% | 5.38% |
| 38 | T2 FinancialWesterville, OH | B | 64.7 score | 251 | 7.2% | 6.63% |
| 39 | Evergreen Moneysource MortgageBellevue, WA | B | 64.5 score | 3,494 | 1.2% | 6.75% |
| 40 | Fairway Independent MortgageMadison, WI | B | 64.5 score | 3,386 | 4.4% | 6.63% |
| 41 | V.i.p. MortgageScottsdale, AZ | B | 64.2 score | 123 | 1.6% | 6.49% |
| 42 | Priority Home LendingLynnwood, WA | B | 64.1 score | 297 | 4.0% | 6.50% |
| 43 | Zillow Home LoansIrvine, CA | B | 64.0 score | 502 | 4.6% | 6.25% |
| 44 | Summit MortgagePortland, OR | B | 63.6 score | 294 | 2.0% | 6.49% |
| 45 | Residential Wholesale MortgageSan Diego, CA | B | 63.2 score | 165 | 2.4% | 6.75% |
| 46 | Residential MortgageAnchorage, AK | B | 63.1 score | 217 | 6.5% | 6.43% |
| 47 | Union Home MortgageStrongsville, OH | B | 62.8 score | 508 | 5.7% | 6.38% |
| 48 | ResicentralLarkspur, CA | B | 62.7 score | 300 | 3.7% | 6.49% |
| 49 | Guaranteed RateChicago, IL | B | 62.3 score | 3,153 | 3.7% | 6.50% |
| 50 | Bay EquityCorte Madera, CA | B | 61.9 score | 687 | 3.2% | 6.63% |
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.
