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 | Residential MortgageAnchorage, AK | B | 268 | 1,907 | 4.4% | 6.25% |
| 2 | NewrezWilmington, DE | D | 223 | 1,344 | 4.3% | 6.38% |
| 3 | Global Federal Credit UnionAnchorage, AK | C | 207 | 2,601 | 16.0% | 6.63% |
| 4 | Rocket MortgagePlymouth, MI | C | 152 | 1,051 | 17.8% | 6.75% |
| 5 | United Shore Financial ServicesPlymouth, MI | B | 104 | 551 | 12.2% | 6.12% |
| 6 | Freedom MortgageBoca Raton, FL | B | 95 | 355 | 8.7% | 5.88% |
| 7 | Broker SolutionsTustin, CA | D | 87 | 207 | 7.3% | 6.75% |
| 8 | Primelending, a PlainscapitalDallas, TX | A | 73 | 322 | 4.4% | 6.49% |
| 9 | AmeriSave MortgageSandy Springs, GA | D | 71 | 353 | 63.2% | 8.38% |
| 10 | Loandepot.ComIrvine, CA | D | 61 | 331 | 23.6% | 6.75% |
| 11 | The Loan StoreSan Francisco, CA | B | 61 | 519 | 8.5% | 6.50% |
| 12 | Pennymac Loan ServicesWestlake Village, CA | C | 57 | 310 | 13.6% | 6.12% |
| 13 | Mutual of Omaha MortgageSan Diego, CA | C | 54 | 121 | 20.7% | 6.13% |
| 14 | Movement MortgageLancaster, SC | A | 54 | 317 | 3.8% | 6.38% |
| 15 | Guild MortgageSan Diego, CA | A | 53 | 281 | 4.6% | 6.19% |
| 16 | Cornerstone Capital BankHouston, TX | A | 51 | 301 | 0.3% | 6.25% |
| 17 | Click n' CloseAddison, TX | C | 48 | 59 | 10.2% | 6.50% |
| 18 | Lakeview Loan ServicingCoral Gables, FL | C | 42 | 186 | 31.2% | 5.99% |
| 19 | Primary Residential MortgageSalt Lake City, UT | C | 40 | 145 | 6.2% | 6.50% |
| 20 | Geneva FinancialChandler, AZ | C | 35 | 61 | 0.0% | 6.75% |
| 21 | American FinancingAurora, CO | D | 35 | 67 | 46.3% | 5.99% |
| 22 | Guaranteed RateChicago, IL | B | 31 | 221 | 9.1% | 6.53% |
| 23 | Canopy MortgageLindon, UT | B | 27 | 126 | 0.8% | 6.25% |
| 24 | Kind LendingIrvine, CA | C | 23 | 124 | 18.6% | 6.25% |
| 25 | CMG MortgageSan Ramon, CA | A | 21 | 107 | 3.7% | 6.50% |
| 26 | NuVision Federal Credit UnionHuntington Beach, CA | C | 21 | 501 | 32.9% | 4.99% |
| 27 | Paramount Residential Mortgage GroupCorona, CA | B | 20 | 93 | 1.1% | 6.25% |
| 28 | Village Capital & InvestmentHenderson, NV | C | 20 | 97 | 15.5% | 5.75% |
| 29 | Wells Fargo BankCharlotte, NC | B | 18 | 248 | 20.2% | 6.50% |
| 30 | LoanUnited.comDuluth, GA | C | 17 | 53 | 5.7% | 6.13% |
| 31 | Crosscountry MortgageCleveland, OH | B | 17 | 80 | 1.3% | 6.69% |
| 32 | Carrington Mortgage ServicesOrange, CA | D | 16 | 67 | 44.8% | 6.63% |
| 33 | Nationstar MortgageCoppell, TX | C | 16 | 129 | 10.9% | 8.38% |
| 34 | Mt. McKinley BankFairbanks, AK | B | 16 | 184 | 5.4% | — |
| 35 | Finance of America ReverseTulsa, OK | C | 14 | 14 | 14.3% | 6.75% |
| 36 | Equity Prime MortgageAtlanta, GA | D | 14 | 26 | 15.4% | 6.00% |
| 37 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 14 | 44 | 2.3% | 6.25% |
| 38 | Homeowners Financial Group USAScottadale, AZ | B | 14 | 66 | 1.5% | 6.38% |
| 39 | Denali State BankFairbanks, AK | A | 14 | 165 | 1.8% | — |
| 40 | First National Bank AlaskaAnchorage, AK | C | 14 | 402 | 9.0% | 6.63% |
| 41 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 13 | 26 | 7.7% | 6.06% |
| 42 | Mission LoansColumbus, OH | D | 13 | 83 | 3.6% | 6.63% |
| 43 | Fairway Independent MortgageMadison, WI | B | 12 | 56 | 1.8% | 6.75% |
| 44 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 12 | 57 | 7.0% | 6.50% |
| 45 | Mortgage Research CenterColumbia, MO | C | 12 | 844 | 14.5% | 6.25% |
| 46 | Envoy MortgageHouston, TX | D | 11 | 61 | 0.0% | 6.50% |
| 47 | Churchill MortgageBrentwood, TN | B | 10 | 54 | 1.9% | 6.63% |
| 48 | Longbridge FinancialMahwah, NJ | F | 9 | 9 | 0.0% | 6.13% |
| 49 | Sun West Mortgage CompanyCerritos, CA | B | 9 | 17 | 5.9% | 6.94% |
| 50 | Allied First Bank,sbOswego, IL | F | 9 | 22 | 27.3% | 3.88% |
Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
