Lenders handling the most FHA applications. FHA loans allow 3.5% down and lower credit scores; a lender that does a lot of them has the underwriting muscle for it.
| # | Lender | Grade | FHA applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial ServicesPlymouth, MI | B | 131,807 | 576,710 | 12.1% | 6.38% |
| 2 | Rocket MortgagePlymouth, MI | C | 103,887 | 601,267 | 18.4% | 6.75% |
| 3 | Freedom MortgageBoca Raton, FL | B | 72,642 | 165,453 | 8.6% | 6.25% |
| 4 | Broker SolutionsTustin, CA | D | 57,252 | 140,813 | 9.2% | 6.75% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 54,668 | 193,807 | 12.3% | 6.49% |
| 6 | Dhi Mortgage CompanyArlington, TX | B | 48,610 | 102,267 | 13.4% | 4.99% |
| 7 | Crosscountry MortgageCleveland, OH | B | 45,769 | 190,471 | 4.1% | 6.63% |
| 8 | Loandepot.ComIrvine, CA | D | 40,967 | 155,259 | 22.0% | 6.63% |
| 9 | NewrezWilmington, DE | D | 39,879 | 187,595 | 19.5% | 6.63% |
| 10 | Guild MortgageSan Diego, CA | A | 29,780 | 120,556 | 3.8% | 6.62% |
| 11 | Lennar MortgageMiami, FL | A | 27,964 | 77,363 | 14.4% | 4.88% |
| 12 | AmeriSave MortgageSandy Springs, GA | D | 25,775 | 94,390 | 62.0% | 8.00% |
| 13 | Lakeview Loan ServicingCoral Gables, FL | C | 25,727 | 70,176 | 51.3% | 6.38% |
| 14 | Fairway Independent MortgageMadison, WI | B | 22,554 | 101,319 | 4.8% | 6.63% |
| 15 | CMG MortgageSan Ramon, CA | A | 20,378 | 104,189 | 4.4% | 6.63% |
| 16 | Mutual of Omaha MortgageSan Diego, CA | C | 20,096 | 41,758 | 17.6% | 6.38% |
| 17 | Guaranteed RateChicago, IL | B | 20,028 | 129,106 | 5.7% | 6.58% |
| 18 | Carrington Mortgage ServicesOrange, CA | D | 19,867 | 52,211 | 44.5% | 6.63% |
| 19 | Equity Prime MortgageAtlanta, GA | D | 17,094 | 28,388 | 10.4% | 6.63% |
| 20 | Movement MortgageLancaster, SC | A | 16,732 | 81,084 | 4.1% | 6.63% |
| 21 | American FinancingAurora, CO | D | 13,818 | 26,784 | 46.6% | 6.25% |
| 22 | Village Capital & InvestmentHenderson, NV | C | 12,564 | 32,888 | 19.5% | 5.75% |
| 23 | Kind LendingIrvine, CA | C | 11,931 | 45,648 | 24.4% | 6.63% |
| 24 | Paramount Residential Mortgage GroupCorona, CA | B | 11,197 | 34,318 | 3.6% | 6.50% |
| 25 | Union Home MortgageStrongsville, OH | B | 11,188 | 50,973 | 5.4% | 6.63% |
| 26 | American Pacific MortgageRoseville, CA | C | 9,926 | 34,243 | 8.3% | 6.63% |
| 27 | Nationstar MortgageCoppell, TX | C | 9,784 | 79,599 | 15.6% | 7.63% |
| 28 | LowerColumbia, MD | C | 8,903 | 29,643 | 9.9% | 6.63% |
| 29 | American Financial NetworkBrea, CA | C | 8,644 | 22,722 | 10.7% | 6.75% |
| 30 | Finance of America ReverseTulsa, OK | C | 8,580 | 12,584 | 10.8% | 6.50% |
| 31 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 8,267 | 15,379 | 9.3% | 6.50% |
| 32 | NVR Mortgage FinanceReston, VA | B | 7,896 | 23,048 | 18.6% | 6.25% |
| 33 | Everett FinancialDallas, | C | 7,795 | 28,292 | 5.7% | 6.75% |
| 34 | Click n' CloseAddison, TX | C | 7,764 | 16,126 | 5.3% | 6.88% |
| 35 | Planet Home LendingMeriden, CT | B | 7,702 | 18,891 | 16.6% | 6.13% |
| 36 | Plaza Home MortgageSan Diego, CA | C | 7,627 | 23,886 | 27.8% | 6.63% |
| 37 | Sun West Mortgage CompanyCerritos, CA | B | 7,327 | 16,270 | 12.9% | 6.25% |
| 38 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 7,136 | 17,863 | 10.2% | 6.63% |
| 39 | PHH MortgageMount Laurel, NJ | C | 7,135 | 20,434 | 8.6% | 6.25% |
| 40 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 7,082 | 15,898 | 5.7% | 6.50% |
| 41 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 6,520 | 18,919 | 2.3% | 6.63% |
| 42 | Primelending, a PlainscapitalDallas, TX | A | 6,484 | 33,320 | 5.5% | 6.50% |
| 43 | Longbridge FinancialMahwah, NJ | F | 6,281 | 8,187 | 10.9% | 6.25% |
| 44 | Mortgage Research CenterColumbia, MO | C | 6,222 | 178,189 | 18.4% | 6.25% |
| 45 | NFMLinthicum, MD | A | 6,020 | 24,275 | 1.8% | 6.63% |
| 46 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 5,654 | 20,196 | 2.7% | 6.50% |
| 47 | GoodLeapRoseville, CA | C | 5,367 | 21,298 | 22.7% | 6.63% |
| 48 | OCMBCIrvine, CA | C | 5,323 | 29,739 | 10.0% | 7.00% |
| 49 | Plains Commerce BankSioux Falls, SD | B | 5,218 | 20,196 | 6.9% | 6.50% |
| 50 | Prosperity Home MortgageFairfax, VA | A | 5,183 | 28,926 | 6.2% | 6.50% |
| 51 | Flat Branch MortgageColumbia, MO | A | 5,042 | 18,921 | 1.0% | 6.50% |
| 52 | Kbhs Home LoansIrving, TX | B | 4,922 | 12,875 | 7.5% | 5.99% |
| 53 | JPMorgan Chase BankColumbus, OH | B | 4,678 | 152,415 | 10.4% | 6.38% |
| 54 | Pulte MortgageWilmington, DE | A | 4,567 | 27,444 | 12.5% | 5.63% |
| 55 | LoanUnited.comDuluth, GA | C | 4,550 | 11,293 | 8.0% | 6.00% |
| 56 | Inspire Home LoansNewport Beach, CA | B | 4,471 | 9,059 | 10.6% | 4.88% |
| 57 | Better MortgageNew York, NY | F | 4,294 | 45,682 | 27.0% | 7.13% |
| 58 | The Loan StoreSan Francisco, CA | B | 4,100 | 58,895 | 10.9% | 6.88% |
| 59 | Stockton MortgageFrankfort, KY | D | 4,095 | 11,060 | 7.9% | 6.63% |
| 60 | Canopy MortgageLindon, UT | B | 4,019 | 13,413 | 2.1% | 6.38% |
| 61 | Primary Residential MortgageSalt Lake City, UT | C | 4,011 | 13,770 | 5.6% | 6.63% |
| 62 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 3,902 | 16,714 | 1.5% | 6.62% |
| 63 | MilendAlpharetta, GA | F | 3,892 | 6,161 | 13.1% | 6.25% |
| 64 | Zillow Home LoansIrvine, CA | B | 3,837 | 20,147 | 5.8% | 6.50% |
| 65 | Top Flite FinancialPlymouth, MI | D | 3,745 | 5,594 | 7.4% | 6.75% |
| 66 | Securitynational MortgageSalt Lake City, UT | D | 3,735 | 9,801 | 10.1% | 6.75% |
| 67 | Towne MortgageTroy, MI | B | 3,730 | 9,458 | 4.1% | 6.38% |
| 68 | The Huntington National BankColumbus, OH | D | 3,679 | 90,347 | 27.2% | 7.44% |
| 69 | Wells Fargo BankCharlotte, NC | B | 3,627 | 76,355 | 15.6% | 6.25% |
| 70 | First Community MortgageMurfreesboro, TN | A | 3,603 | 13,447 | 6.5% | 6.50% |
| 71 | Velocio MortgageSan Antonio, TX | A | 3,491 | 6,808 | 3.5% | 4.25% |
| 72 | T2 FinancialWesterville, OH | B | 3,419 | 12,022 | 6.1% | 6.63% |
| 73 | Flagstar BankHicksville, NY | C | 3,411 | 19,118 | 28.2% | 6.62% |
| 74 | Ruoff Mortgage CompanyFort Wayne, IN | A | 3,354 | 13,157 | 4.7% | 6.75% |
| 75 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 3,337 | 11,134 | 3.5% | 6.63% |
| 76 | U.S. BankCincinnati, OH | D | 3,303 | 151,832 | 33.1% | 6.88% |
| 77 | Ixonia BankIxonia, WI | C | 3,238 | 11,998 | 3.5% | 6.75% |
| 78 | Regions BankBirmingham, AL | C | 3,118 | 68,710 | 38.8% | 5.63% |
| 79 | Synergy One LendingSan Diego, CA | C | 3,093 | 11,752 | 6.0% | 6.63% |
| 80 | Vanderbilt Mortgage and FinanceMaryville, TN | F | 3,057 | 121,666 | 39.3% | 8.75% |
| 81 | Calcon Mutual MortgageSan Diego, CA | D | 3,051 | 7,571 | 11.4% | 6.50% |
| 82 | Lakeview Community CapitalTucson, AZ | A | 3,005 | 4,931 | 1.7% | 6.25% |
| 83 | DAS Acquisition CompanySt. Louis, MO | B | 2,988 | 9,962 | 2.6% | 6.63% |
| 84 | Manufacturers and Traders TrustBuffalo, NY | C | 2,980 | 40,597 | 29.7% | 5.99% |
| 85 | Fbc MortgageOrlando, FL | B | 2,913 | 8,168 | 5.2% | 5.99% |
| 86 | Envoy MortgageHouston, TX | D | 2,883 | 9,727 | 16.7% | 6.63% |
| 87 | Premier Mortgage ResourcesMeridian, ID | B | 2,832 | 8,799 | 2.8% | 6.50% |
| 88 | The Federal Savings BankChicago, IL | C | 2,818 | 20,930 | 9.6% | 6.50% |
| 89 | Geneva FinancialChandler, AZ | C | 2,785 | 8,198 | 2.2% | 6.75% |
| 90 | Guaranteed Rate AffinityChicago, IL | A | 2,752 | 24,672 | 4.8% | 6.55% |
| 91 | First Colony MortgageOrem, UT | A | 2,725 | 13,160 | 4.6% | 6.49% |
| 92 | M/i FinancialColumbus, OH | A | 2,723 | 8,501 | 2.7% | 5.88% |
| 93 | Ameris BankAtlanta, GA | B | 2,721 | 18,359 | 8.5% | 6.49% |
| 94 | Jet HomeloansJacksonville, FL | A | 2,709 | 8,280 | 4.2% | 4.99% |
| 95 | Highlands Residential MortgageAllen, TX | B | 2,669 | 9,523 | 1.8% | 6.63% |
| 96 | Luminate BankMinneapolis, MN | B | 2,637 | 12,134 | 3.2% | 6.63% |
| 97 | Taylor Morrison Home FundingMaitland, FL | A | 2,557 | 12,508 | 13.0% | 5.50% |
| 98 | Nations LendingIndependence, OH | B | 2,556 | 8,177 | 5.9% | 6.63% |
| 99 | Mission LoansColumbus, OH | D | 2,529 | 12,884 | 2.2% | 7.63% |
| 100 | Gateway First BankJenks, OK | B | 2,465 | 11,008 | 4.1% | 6.63% |
Ordered by the number of applications of this type received in 2025. All figures come from the lenders' own HMDA filings. Full methodology.
