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 | Bank of RomneyRomney, WV | A | 87.3 score | 128 | 3.1% | — |
| 2 | Intercoastal MortgageReston, VA | A | 82.4 score | 255 | 4.7% | 6.46% |
| 3 | Atlantic Coast MortgageFairfax, VA | A | 79.6 score | 315 | 3.8% | 6.38% |
| 4 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 530 | 9.8% | 6.38% |
| 5 | The Ohio Valley BankGallipolis, OH | A | 76.9 score | 114 | 2.6% | 6.38% |
| 6 | Movement MortgageLancaster, SC | A | 75.4 score | 1,167 | 5.4% | 6.63% |
| 7 | Lennar MortgageMiami, FL | A | 72.3 score | 501 | 7.8% | 6.63% |
| 8 | First Heritage MortgageFairfax, VA | A | 71.6 score | 297 | 1.7% | 6.20% |
| 9 | Guild MortgageSan Diego, CA | A | 70.8 score | 112 | 7.1% | 6.49% |
| 10 | Planet Home LendingMeriden, CT | B | 67.8 score | 101 | 20.8% | 5.99% |
| 11 | First Federal Savings and Loan Association of GreeneWaynesburg, PA | B | 67.8 score | 210 | 3.8% | 6.00% |
| 12 | United Shore Financial ServicesPlymouth, MI | B | 67.5 score | 949 | 13.1% | 6.25% |
| 13 | Alcova MortgageRoanoke, VA | A | 67.0 score | 335 | 2.4% | 6.75% |
| 14 | Dhi Mortgage CompanyArlington, TX | B | 66.3 score | 181 | 2.2% | 5.88% |
| 15 | JPMorgan Chase BankColumbus, OH | B | 65.3 score | 502 | 13.8% | 6.75% |
| 16 | Clear Mountain BankBruceton Mills, WV | B | 65.0 score | 464 | 5.8% | 6.38% |
| 17 | NVR Mortgage FinanceReston, VA | B | 64.1 score | 182 | 14.3% | 6.25% |
| 18 | Union Home MortgageStrongsville, OH | B | 62.8 score | 158 | 7.0% | 6.38% |
| 19 | Guaranteed RateChicago, IL | B | 62.3 score | 492 | 5.9% | 6.69% |
| 20 | Bayer Heritage Credit UnionNew Martinsville, WV | B | 60.5 score | 311 | 15.1% | 6.00% |
| 21 | WesBanco BankWheeling, | B | 59.5 score | 1,475 | 16.7% | 6.01% |
| 22 | Integrity Home MortgageWinchester, VA | B | 59.0 score | 614 | 4.4% | 6.50% |
| 23 | Bank of Charles TownCharles Town, WV | B | 57.5 score | 128 | 7.8% | — |
| 24 | Freedom MortgageBoca Raton, FL | B | 56.7 score | 707 | 10.6% | 6.25% |
| 25 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 1,140 | 4.0% | 6.58% |
| 26 | CNB BankBerkeley Springs, WV | B | 55.5 score | 154 | 9.1% | — |
| 27 | Gateway First BankJenks, OK | B | 55.1 score | 460 | 3.7% | 6.63% |
| 28 | Community Trust BankPikeville, KY | B | 54.9 score | 165 | 15.2% | 6.50% |
| 29 | First National Bank of PennsylvaniaHermitage, PA | B | 54.7 score | 130 | 25.4% | 6.49% |
| 30 | Wells Fargo BankCharlotte, NC | B | 54.4 score | 145 | 20.0% | 6.38% |
| 31 | Rmc Home MortgageWexford, PA | B | 54.0 score | 184 | 4.9% | 6.63% |
| 32 | Success Mortgage PartnersPlymouth, MI | B | 53.6 score | 241 | 0.4% | 6.88% |
| 33 | The Grant County BankPetersburg, WV | B | 53.0 score | 185 | 9.7% | — |
| 34 | Pendleton Community BankFranklin, WV | B | 51.5 score | 148 | 15.5% | — |
| 35 | Victorian FinancePittsburgh, PA | C | 51.0 score | 209 | 1.4% | 6.63% |
| 36 | Mortgage Research CenterColumbia, MO | C | 50.8 score | 1,592 | 17.4% | 6.25% |
| 37 | West Virginia CentralParkersburg, WV | C | 49.5 score | 132 | 11.4% | — |
| 38 | FairmontFairmont, WV | C | 49.5 score | 370 | 28.1% | 5.38% |
| 39 | Manufacturers and Traders TrustBuffalo, NY | C | 49.2 score | 171 | 39.2% | 5.99% |
| 40 | American Pacific MortgageRoseville, CA | C | 49.1 score | 161 | 5.6% | 6.63% |
| 41 | USAA Federal Savings BankPhoenix, AZ | C | 48.6 score | 200 | 23.5% | 6.38% |
| 42 | LowerColumbia, MD | C | 47.3 score | 106 | 16.0% | 6.63% |
| 43 | Atlantic Union BankGlen Allen, VA | C | 47.1 score | 185 | 3.2% | 6.63% |
| 44 | Pennymac Loan ServicesWestlake Village, CA | C | 47.0 score | 762 | 16.5% | 6.12% |
| 45 | Peoples BankMarietta, OH | C | 46.6 score | 707 | 22.4% | 7.24% |
| 46 | United BankVienna, VA | C | 45.5 score | 540 | 22.8% | 6.90% |
| 47 | Coastal Community BankEverett, WA | C | 45.3 score | 152 | 2.6% | 10.49% |
| 48 | Hancock County Savings Bank, FSBChester, WV | C | 44.7 score | 341 | 11.7% | 6.38% |
| 49 | Belmont Savings BankBellaire, OH | C | 44.3 score | 103 | 5.8% | — |
| 50 | Jefferson Security BankShepherdstown, WV | C | 44.3 score | 168 | 9.5% | — |
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.
