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 | Governmental Employees Credit UnionLa Crosse, WI | A | 96.5 score | 103 | 0.0% | — |
| 2 | N.e.w. Credit UnionOconto Falls, WI | A | 92.3 score | 173 | 1.7% | 5.49% |
| 3 | Oostburg State BankOostburg, WI | A | 90.5 score | 185 | 1.1% | — |
| 4 | BLC Community BankLittle Chute, WI | A | 90.0 score | 120 | 1.7% | — |
| 5 | The First National Bank Of BangorBangor, WI | A | 89.8 score | 123 | 2.4% | — |
| 6 | Morgan Stanley Private BankNew York, NY | A | 89.3 score | 152 | 5.3% | 6.08% |
| 7 | Wolf River Community BankHortonville, WI | A | 88.8 score | 199 | 0.5% | — |
| 8 | PROSPERA Credit UnionAppleton, | A | 88.0 score | 104 | 1.9% | — |
| 9 | Hiawatha National BankHager City, WI | A | 87.5 score | 109 | 2.8% | — |
| 10 | Lake Ridge BankMiddleton, WI | A | 86.7 score | 886 | 6.6% | 5.49% |
| 11 | PCM Credit UnionGreen Bay, WI | A | 86.4 score | 485 | 3.1% | 5.99% |
| 12 | Mound City BankPlatteville, WI | A | 85.8 score | 302 | 2.0% | — |
| 13 | Unison Credit UnionKaukauna, WI | A | 83.8 score | 121 | 3.3% | 6.50% |
| 14 | West Pointe BankOshkosh, WI | A | 83.5 score | 205 | 1.0% | — |
| 15 | Westbury BankWaukesha, WI | A | 82.5 score | 135 | 3.0% | 6.25% |
| 16 | Woodford State BankMonroe, WI | A | 82.3 score | 167 | 3.6% | — |
| 17 | The Bank of New GlarusNew Glarus, | A | 82.2 score | 498 | 1.0% | 6.63% |
| 18 | Cleveland State BankCleveland, WI | A | 80.8 score | 116 | 4.3% | — |
| 19 | Cloverbelt Credit UnionWausau, WI | A | 80.3 score | 228 | 3.1% | — |
| 20 | A + Mortgage ServicesMuskego, WI | A | 80.0 score | 848 | 1.4% | 6.63% |
| 21 | Collins State BankCollins, WI | A | 79.0 score | 121 | 4.1% | — |
| 22 | Citizens First BankViroqua, WI | A | 78.8 score | 177 | 3.4% | — |
| 23 | Primelending, a PlainscapitalDallas, TX | A | 77.9 score | 237 | 2.5% | 6.75% |
| 24 | Summit Credit UnionCottage Grove, WI | A | 77.9 score | 15,483 | 13.8% | 6.75% |
| 25 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 77.8 score | 345 | 2.9% | 6.50% |
| 26 | Fortifi BankBerlin, WI | A | 77.5 score | 273 | 4.4% | — |
| 27 | First Colony MortgageOrem, UT | A | 77.3 score | 1,235 | 4.4% | 6.50% |
| 28 | FOX COMMUNITIES Credit UnionAppleton, WI | A | 77.3 score | 3,040 | 3.9% | 6.49% |
| 29 | The Peoples Community BankMazomanie, WI | A | 76.8 score | 170 | 5.3% | — |
| 30 | Bell BankFargo, ND | A | 76.2 score | 1,313 | 6.6% | 6.50% |
| 31 | Merchants BankWinona, MN | A | 75.8 score | 273 | 6.6% | 6.40% |
| 32 | Farmers Savings BankMineral Point, WI | A | 75.8 score | 114 | 5.3% | — |
| 33 | The Greenwood's State BankMadison, WI | A | 75.6 score | 109 | 2.8% | 6.80% |
| 34 | Movement MortgageLancaster, SC | A | 75.4 score | 530 | 3.8% | 6.75% |
| 35 | Community FirstNeenah, WI | A | 75.1 score | 4,368 | 6.9% | 5.49% |
| 36 | Forte BankHartford, WI | A | 75.0 score | 155 | 5.2% | — |
| 37 | University of Wisconsin Credit UnionMadison, WI | A | 75.0 score | 11,781 | 13.8% | 6.50% |
| 38 | Mld MortgageFlorham Park, NJ | A | 74.9 score | 184 | 0.5% | 6.49% |
| 39 | Tri City National BankOak Creek, WI | A | 74.5 score | 759 | 16.2% | 5.99% |
| 40 | MidWestOne BankIowa City, IA | A | 73.9 score | 193 | 18.1% | 5.99% |
| 41 | First State Mortgage ServicesBloomington, IL | A | 73.8 score | 152 | 1.3% | 6.75% |
| 42 | Bank Five NineOconomowoc, WI | A | 73.8 score | 1,584 | 4.0% | 6.50% |
| 43 | CMG MortgageSan Ramon, CA | A | 73.7 score | 876 | 3.9% | 6.75% |
| 44 | Peoples State Bank of PlainviewPlainview, MN | A | 73.3 score | 112 | 5.4% | — |
| 45 | The Port Washington State BankPort Washington, WI | A | 73.3 score | 325 | 4.0% | — |
| 46 | Provident Funding AssociatesSanta Rosa, CA | A | 73.2 score | 220 | 4.6% | 6.50% |
| 47 | Johnson Financial GroupRacine, WI | A | 72.7 score | 3,702 | 7.4% | 6.75% |
| 48 | Fox Valley Savings BankFond Du Lac, WI | A | 72.3 score | 181 | 3.9% | — |
| 49 | Gateway MortgageKenosha, WI | A | 72.2 score | 321 | 1.9% | 6.63% |
| 50 | Thompson Kane & CompanyMadison, WI | A | 71.3 score | 921 | 0.8% | 6.75% |
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.
