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 | 16,290 | 79,261 | 12.6% | 6.49% |
| 2 | Rocket MortgagePlymouth, MI | C | 6,554 | 58,925 | 17.6% | 6.75% |
| 3 | Freedom MortgageBoca Raton, FL | B | 4,715 | 11,002 | 8.0% | 6.13% |
| 4 | Pennymac Loan ServicesWestlake Village, CA | C | 3,238 | 18,754 | 13.5% | 6.50% |
| 5 | OCMBCIrvine, CA | C | 3,127 | 12,176 | 6.1% | 6.75% |
| 6 | Broker SolutionsTustin, CA | D | 3,096 | 12,478 | 7.8% | 6.88% |
| 7 | NewrezWilmington, DE | D | 2,956 | 17,000 | 19.3% | 6.63% |
| 8 | Lakeview Loan ServicingCoral Gables, FL | C | 2,836 | 7,899 | 57.1% | 6.25% |
| 9 | Loandepot.ComIrvine, CA | D | 2,677 | 16,645 | 18.7% | 6.63% |
| 10 | Kind LendingIrvine, CA | C | 2,466 | 9,817 | 24.5% | 6.50% |
| 11 | Crosscountry MortgageCleveland, OH | B | 1,941 | 14,753 | 3.6% | 6.75% |
| 12 | Lennar MortgageMiami, FL | A | 1,919 | 9,083 | 7.3% | 4.99% |
| 13 | Dhi Mortgage CompanyArlington, TX | B | 1,844 | 3,885 | 8.6% | 5.25% |
| 14 | Village Capital & InvestmentHenderson, NV | C | 1,725 | 2,699 | 17.2% | 5.99% |
| 15 | Paramount Residential Mortgage GroupCorona, CA | B | 1,725 | 5,925 | 2.0% | 6.50% |
| 16 | Mutual of Omaha MortgageSan Diego, CA | C | 1,554 | 2,970 | 16.8% | 6.38% |
| 17 | Equity Prime MortgageAtlanta, GA | D | 1,523 | 2,551 | 9.4% | 6.25% |
| 18 | Carrington Mortgage ServicesOrange, CA | D | 1,498 | 4,441 | 48.8% | 6.63% |
| 19 | Finance of America ReverseTulsa, OK | C | 1,485 | 3,527 | 9.5% | 8.99% |
| 20 | Golden Empire MortgageBakersfield, CA | B | 1,416 | 4,757 | 5.4% | 6.25% |
| 21 | Guaranteed RateChicago, IL | B | 1,388 | 12,235 | 5.4% | 6.53% |
| 22 | Sun West Mortgage CompanyCerritos, CA | B | 1,288 | 3,056 | 11.1% | 6.13% |
| 23 | Guild MortgageSan Diego, CA | A | 1,074 | 6,122 | 3.5% | 6.50% |
| 24 | American Pacific MortgageRoseville, CA | C | 1,018 | 4,994 | 7.8% | 6.63% |
| 25 | PHH MortgageMount Laurel, NJ | C | 995 | 2,234 | 10.2% | 6.00% |
| 26 | Kbhs Home LoansIrving, TX | B | 971 | 3,092 | 6.8% | 6.05% |
| 27 | Unnamed lender 254900M2C4Q6DATP2889 | F | 935 | 1,628 | 18.3% | 6.25% |
| 28 | AmeriSave MortgageSandy Springs, GA | D | 925 | 6,922 | 64.2% | 8.63% |
| 29 | CMG MortgageSan Ramon, CA | A | 907 | 7,440 | 4.7% | 6.63% |
| 30 | Geo-CorpMonterey Park, CA | D | 888 | 928 | 4.3% | 6.99% |
| 31 | Longbridge FinancialMahwah, NJ | F | 886 | 1,591 | 9.1% | 6.63% |
| 32 | Royal Pacific FundingCosta Mesa, CA | B | 865 | 2,821 | 2.0% | 6.63% |
| 33 | American Financial NetworkBrea, CA | C | 861 | 2,526 | 9.7% | 6.63% |
| 34 | Sierra Pacific Mortgage CompanyFolsom, CA | C | 850 | 3,249 | 7.7% | 6.50% |
| 35 | Fairway Independent MortgageMadison, WI | B | 821 | 4,003 | 3.8% | 6.63% |
| 36 | FlexPointLas Vegas, NV | C | 784 | 3,460 | 3.1% | 6.88% |
| 37 | Alameda MortgageWalnut Creek, CA | B | 756 | 3,162 | 2.3% | 6.50% |
| 38 | The Loan StoreSan Francisco, CA | B | 692 | 12,791 | 11.7% | 6.75% |
| 39 | ML MortgageRancho Cucamonga, CA | C | 656 | 1,767 | 2.3% | 6.63% |
| 40 | Plaza Home MortgageSan Diego, CA | C | 635 | 1,899 | 34.8% | 6.63% |
| 41 | Nationstar MortgageCoppell, TX | C | 580 | 7,812 | 20.5% | 8.38% |
| 42 | American FinancingAurora, CO | D | 559 | 1,317 | 48.2% | 6.38% |
| 43 | Genway Home MortgageFrisco, TX | F | 558 | 1,137 | 32.4% | 7.00% |
| 44 | LoanUnited.comDuluth, GA | C | 552 | 1,232 | 8.1% | 6.00% |
| 45 | Planet Home LendingMeriden, CT | B | 527 | 1,346 | 17.5% | 5.99% |
| 46 | Stg MortgageIrvine, CA | C | 507 | 1,676 | 7.5% | 6.63% |
| 47 | Jmac LendingSanta Ana, CA | C | 494 | 2,336 | 3.8% | 6.63% |
| 48 | Lakeview Community CapitalTucson, AZ | A | 481 | 716 | 2.1% | 6.13% |
| 49 | AMWEST FundingBrea, CA | C | 454 | 7,654 | 5.9% | 7.00% |
| 50 | Ameritrust MortgageTustin, CA | D | 447 | 2,575 | 3.4% | 6.99% |
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.
