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 | 5,943 | 25,383 | 10.2% | 6.25% |
| 2 | Rocket MortgagePlymouth, MI | C | 2,528 | 17,947 | 15.6% | 6.75% |
| 3 | Crosscountry MortgageCleveland, OH | B | 2,310 | 7,570 | 3.8% | 6.58% |
| 4 | Freedom MortgageBoca Raton, FL | B | 2,153 | 4,991 | 7.0% | 6.00% |
| 5 | Dhi Mortgage CompanyArlington, TX | B | 2,061 | 3,479 | 12.8% | 3.99% |
| 6 | Loandepot.ComIrvine, CA | D | 1,762 | 6,180 | 16.1% | 5.99% |
| 7 | Nova Financial & InvestmentTucson, AZ | C | 1,741 | 5,380 | 16.2% | 6.49% |
| 8 | Fairway Independent MortgageMadison, WI | B | 1,687 | 6,729 | 5.6% | 6.63% |
| 9 | Lennar MortgageMiami, FL | A | 1,290 | 3,184 | 10.9% | 4.25% |
| 10 | Broker SolutionsTustin, CA | D | 1,280 | 3,480 | 7.7% | 6.75% |
| 11 | Pennymac Loan ServicesWestlake Village, CA | C | 1,280 | 5,838 | 11.7% | 6.62% |
| 12 | NewrezWilmington, DE | D | 1,194 | 4,922 | 16.9% | 6.38% |
| 13 | Guild MortgageSan Diego, CA | A | 1,149 | 4,880 | 4.3% | 6.63% |
| 14 | Velocio MortgageSan Antonio, TX | A | 836 | 1,568 | 2.7% | 3.99% |
| 15 | Click n' CloseAddison, TX | C | 811 | 1,493 | 4.4% | 6.99% |
| 16 | Lakeview Loan ServicingCoral Gables, FL | C | 777 | 2,547 | 50.3% | 6.49% |
| 17 | Equity Prime MortgageAtlanta, GA | D | 722 | 1,135 | 10.8% | 6.63% |
| 18 | American Pacific MortgageRoseville, CA | C | 651 | 2,254 | 9.2% | 6.63% |
| 19 | V.i.p. MortgageScottsdale, AZ | B | 641 | 2,930 | 2.5% | 6.62% |
| 20 | Efinity FinancialBedford, TX | D | 603 | 1,137 | 8.5% | 6.63% |
| 21 | Mutual of Omaha MortgageSan Diego, CA | C | 592 | 1,303 | 12.1% | 6.38% |
| 22 | CMG MortgageSan Ramon, CA | A | 547 | 2,740 | 5.0% | 6.75% |
| 23 | Kbhs Home LoansIrving, TX | B | 533 | 1,205 | 5.5% | 5.68% |
| 24 | NFMLinthicum, MD | A | 510 | 1,012 | 1.2% | 4.99% |
| 25 | American Financial NetworkBrea, CA | C | 497 | 1,146 | 9.6% | 6.75% |
| 26 | Inspire Home LoansNewport Beach, CA | B | 494 | 953 | 10.3% | 5.63% |
| 27 | Paramount Residential Mortgage GroupCorona, CA | B | 492 | 1,583 | 3.4% | 6.50% |
| 28 | Homeamerican MortgageDenver, CO | A | 491 | 1,197 | 6.7% | 4.50% |
| 29 | Guaranteed RateChicago, IL | B | 471 | 2,727 | 6.6% | 6.58% |
| 30 | AmeriSave MortgageSandy Springs, GA | D | 467 | 2,127 | 60.7% | 8.38% |
| 31 | Plains Commerce BankSioux Falls, SD | B | 463 | 1,985 | 5.9% | 6.38% |
| 32 | Sun West Mortgage CompanyCerritos, CA | B | 461 | 926 | 13.9% | 6.13% |
| 33 | Securitynational MortgageSalt Lake City, UT | D | 455 | 1,069 | 17.4% | 6.99% |
| 34 | Taylor Morrison Home FundingMaitland, FL | A | 447 | 2,334 | 11.0% | 5.63% |
| 35 | Geneva FinancialChandler, AZ | C | 434 | 1,130 | 2.9% | 6.63% |
| 36 | Carrington Mortgage ServicesOrange, CA | D | 425 | 1,260 | 43.2% | 6.63% |
| 37 | Unnamed lender 254900M2C4Q6DATP2889 | F | 369 | 718 | 15.0% | 6.25% |
| 38 | Village Capital & InvestmentHenderson, NV | C | 355 | 935 | 22.0% | 5.75% |
| 39 | Finance of America ReverseTulsa, OK | C | 351 | 517 | 7.5% | 6.50% |
| 40 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 333 | 739 | 4.5% | 6.50% |
| 41 | Pulte MortgageWilmington, DE | A | 318 | 1,597 | 8.1% | 4.99% |
| 42 | K. Hovnanian American MortgagePerth Amboy, FL | B | 302 | 663 | 12.1% | 4.99% |
| 43 | The Loan StoreSan Francisco, CA | B | 299 | 3,658 | 9.8% | 6.88% |
| 44 | American FinancingAurora, CO | D | 283 | 602 | 52.2% | 6.06% |
| 45 | Moria DevelopmentTempe, AZ | B | 280 | 1,145 | 1.6% | 6.75% |
| 46 | Altitude FinancialTucson, AZ | A | 270 | 1,165 | 1.0% | 6.63% |
| 47 | Movement MortgageLancaster, SC | A | 270 | 1,264 | 3.4% | 6.75% |
| 48 | Nationstar MortgageCoppell, TX | C | 263 | 2,625 | 15.1% | 8.00% |
| 49 | LoanUnited.comDuluth, GA | C | 252 | 628 | 6.4% | 6.13% |
| 50 | Longbridge FinancialMahwah, NJ | F | 251 | 313 | 10.5% | 6.25% |
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.
