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 | Rocket MortgagePlymouth, MI | C | 1,327 | 5,854 | 20.1% | 6.63% |
| 2 | Firsttrust Home LoansSheridan, AR | B | 868 | 2,590 | 0.5% | 6.49% |
| 3 | Arvest BankFayetteville, AR | C | 844 | 9,748 | 14.4% | 7.00% |
| 4 | Fairway Independent MortgageMadison, WI | B | 835 | 1,864 | 6.0% | 6.49% |
| 5 | Freedom MortgageBoca Raton, FL | B | 748 | 1,672 | 8.4% | 6.25% |
| 6 | Broker SolutionsTustin, CA | D | 730 | 1,268 | 10.8% | 6.88% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 721 | 2,076 | 12.4% | 6.38% |
| 8 | United Shore Financial ServicesPlymouth, MI | B | 644 | 2,456 | 13.3% | 6.12% |
| 9 | Flat Branch MortgageColumbia, MO | A | 544 | 1,840 | 0.4% | 6.49% |
| 10 | AmeriSave MortgageSandy Springs, GA | D | 477 | 1,359 | 63.4% | 7.38% |
| 11 | Dhi Mortgage CompanyArlington, TX | B | 428 | 1,080 | 12.1% | 5.50% |
| 12 | First Community BankBatesville, AR | C | 400 | 1,844 | 4.8% | 6.99% |
| 13 | Loandepot.ComIrvine, CA | D | 382 | 1,036 | 34.9% | 6.75% |
| 14 | NewrezWilmington, DE | D | 334 | 1,306 | 19.1% | 6.31% |
| 15 | Centennial BankConway, AR | D | 306 | 2,104 | 16.1% | 6.63% |
| 16 | Highlands Residential MortgageAllen, TX | B | 301 | 851 | 0.8% | 6.63% |
| 17 | Crosscountry MortgageCleveland, OH | B | 278 | 734 | 4.6% | 6.63% |
| 18 | Eagle Bank and TrustLittle Rock, AR | A | 264 | 1,305 | 5.5% | 6.50% |
| 19 | Mutual of Omaha MortgageSan Diego, CA | C | 249 | 492 | 18.5% | 6.38% |
| 20 | Lennar MortgageMiami, FL | A | 228 | 516 | 16.3% | 5.50% |
| 21 | Lendlo MortgageHouston, TX | A | 226 | 425 | 4.0% | 5.99% |
| 22 | Carrington Mortgage ServicesOrange, CA | D | 217 | 493 | 45.6% | 6.50% |
| 23 | Regions BankBirmingham, AL | C | 209 | 2,646 | 40.0% | 6.13% |
| 24 | Eustis MortgageNew Orleans, LA | B | 197 | 594 | 0.3% | 6.50% |
| 25 | Guild MortgageSan Diego, CA | A | 183 | 597 | 8.0% | 6.63% |
| 26 | Click n' CloseAddison, TX | C | 182 | 672 | 2.7% | 6.25% |
| 27 | Simmons BankPine Bluff, AR | C | 154 | 1,568 | 22.3% | 6.44% |
| 28 | Lakeview Loan ServicingCoral Gables, FL | C | 153 | 388 | 45.4% | 6.63% |
| 29 | DAS Acquisition CompanySt. Louis, MO | B | 148 | 395 | 5.6% | 6.63% |
| 30 | Equity Prime MortgageAtlanta, GA | D | 134 | 292 | 8.6% | 6.50% |
| 31 | T2 FinancialWesterville, OH | B | 133 | 350 | 4.0% | 6.63% |
| 32 | American FinancingAurora, CO | D | 131 | 214 | 50.9% | 6.13% |
| 33 | Nationstar MortgageCoppell, TX | C | 129 | 744 | 13.8% | 7.69% |
| 34 | CMG MortgageSan Ramon, CA | A | 121 | 346 | 3.8% | 6.25% |
| 35 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 121 | 463 | 1.5% | 6.50% |
| 36 | First Financial BankEl Dorado, AR | B | 118 | 506 | 6.3% | 6.50% |
| 37 | Mortgage Research CenterColumbia, MO | C | 114 | 2,767 | 18.3% | 6.25% |
| 38 | Mortgage Financial ServicesBaton Rouge, LA | B | 112 | 279 | 0.0% | 6.75% |
| 39 | Swbc MortgageSan Antonio, TX | A | 109 | 443 | 1.4% | 6.50% |
| 40 | First Horizon BankMemphis, TN | B | 107 | 972 | 17.6% | 6.50% |
| 41 | First Security BankSearcy, AR | C | 106 | 1,843 | 5.9% | 7.50% |
| 42 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 105 | 155 | 7.7% | 6.50% |
| 43 | Better MortgageNew York, NY | F | 105 | 604 | 22.4% | 6.75% |
| 44 | Village Capital & InvestmentHenderson, NV | C | 104 | 394 | 17.0% | 5.75% |
| 45 | Cadence BankTupelo, MS | B | 101 | 1,406 | 17.7% | 7.13% |
| 46 | Primary Residential MortgageSalt Lake City, UT | C | 100 | 285 | 9.5% | 6.99% |
| 47 | Community MortgageCordova, | A | 95 | 317 | 2.2% | 6.25% |
| 48 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 91 | 244 | 5.3% | 6.49% |
| 49 | Sente MortgageAustin, TX | C | 90 | 218 | 0.5% | 6.63% |
| 50 | Priority BankFayetteville, AR | A | 89 | 284 | 0.4% | 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.