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 | 70 | 327 | 17.4% | 6.37% |
| 2 | NewrezWilmington, DE | D | 70 | 353 | 23.5% | 6.63% |
| 3 | Rocket MortgagePlymouth, MI | C | 68 | 671 | 20.7% | 6.63% |
| 4 | Freedom MortgageBoca Raton, FL | B | 58 | 200 | 6.5% | 5.88% |
| 5 | Broker SolutionsTustin, CA | D | 49 | 152 | 10.5% | 6.75% |
| 6 | Capital BankRockville, MD | B | 39 | 185 | 2.2% | 6.75% |
| 7 | Mutual of Omaha MortgageSan Diego, CA | C | 31 | 71 | 21.1% | 6.00% |
| 8 | AmeriSave MortgageSandy Springs, GA | D | 29 | 163 | 63.8% | 8.50% |
| 9 | Loandepot.ComIrvine, CA | D | 28 | 169 | 28.4% | 6.88% |
| 10 | First Home MortgageBaltimore, MD | B | 27 | 359 | 2.5% | 6.63% |
| 11 | Pennymac Loan ServicesWestlake Village, CA | C | 26 | 236 | 14.4% | 6.12% |
| 12 | Movement MortgageLancaster, SC | A | 21 | 169 | 2.4% | 6.25% |
| 13 | LowerColumbia, MD | C | 19 | 88 | 5.7% | 6.38% |
| 14 | Crosscountry MortgageCleveland, OH | B | 18 | 180 | 7.8% | 6.63% |
| 15 | CMG MortgageSan Ramon, CA | A | 17 | 109 | 1.8% | 6.63% |
| 16 | Guild MortgageSan Diego, CA | A | 16 | 103 | 4.9% | 6.38% |
| 17 | Direct Mortgage LoansHunt Valley, MD | B | 15 | 55 | 5.5% | 6.50% |
| 18 | Lakeview Loan ServicingCoral Gables, FL | C | 15 | 64 | 60.9% | 6.13% |
| 19 | Carrington Mortgage ServicesOrange, CA | D | 15 | 70 | 54.3% | 6.69% |
| 20 | Nationstar MortgageCoppell, TX | C | 14 | 57 | 26.3% | 6.56% |
| 21 | Guaranteed RateChicago, IL | B | 14 | 320 | 4.1% | 6.50% |
| 22 | Fairway Independent MortgageMadison, WI | B | 13 | 171 | 2.9% | 6.63% |
| 23 | Manufacturers and Traders TrustBuffalo, NY | C | 13 | 281 | 20.3% | 5.88% |
| 24 | Equity Prime MortgageAtlanta, GA | D | 12 | 17 | 23.5% | 6.38% |
| 25 | Embrace Home LoansMiddletown, RI | A | 12 | 92 | 4.4% | 6.38% |
| 26 | Longbridge FinancialMahwah, NJ | F | 11 | 18 | 0.0% | 6.31% |
| 27 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 11 | 21 | 9.5% | 6.69% |
| 28 | Towne BankPortsmouth, VA | B | 11 | 52 | 3.9% | 6.49% |
| 29 | First Heritage MortgageFairfax, VA | A | 11 | 117 | 2.6% | 6.38% |
| 30 | Finance of America ReverseTulsa, OK | C | 10 | 15 | 0.0% | 6.75% |
| 31 | Ameris BankAtlanta, GA | B | 10 | 52 | 5.8% | 6.50% |
| 32 | Vellum MortgageFairfax, VA | A | 9 | 156 | 1.3% | 6.49% |
| 33 | First Savings MortgageMclean, VA | A | 9 | 544 | 0.9% | 6.50% |
| 34 | American FinancingAurora, CO | D | 8 | 12 | 41.7% | 6.13% |
| 35 | Village Capital & InvestmentHenderson, NV | C | 8 | 17 | 5.9% | 5.75% |
| 36 | Meridian BankMalvern, PA | B | 8 | 18 | 11.1% | 6.49% |
| 37 | Sun West Mortgage CompanyCerritos, CA | B | 8 | 21 | 19.1% | 6.63% |
| 38 | Plaza Home MortgageSan Diego, CA | C | 8 | 25 | 52.0% | 6.63% |
| 39 | PHH MortgageMount Laurel, NJ | C | 8 | 39 | 5.1% | 6.25% |
| 40 | Planet Home LendingMeriden, CT | B | 7 | 14 | 7.1% | 5.88% |
| 41 | Fidelity Direct MortgageGaithersburg, MD | B | 7 | 18 | 0.0% | 6.50% |
| 42 | NFMLinthicum, MD | A | 7 | 98 | 4.1% | 6.63% |
| 43 | Atlantic Coast MortgageFairfax, VA | A | 7 | 193 | 1.6% | 6.56% |
| 44 | Emm LoansCherry Hill, NJ | B | 6 | 7 | 28.6% | 6.63% |
| 45 | Lakeview Community CapitalTucson, AZ | A | 6 | 10 | 0.0% | 5.88% |
| 46 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 6 | 21 | 23.8% | 6.75% |
| 47 | Better MortgageNew York, NY | F | 6 | 142 | 34.5% | 8.06% |
| 48 | Atlantic Union BankGlen Allen, VA | C | 6 | 165 | 17.0% | 6.63% |
| 49 | Prosperity Home MortgageFairfax, VA | A | 6 | 268 | 2.2% | 6.63% |
| 50 | South River MortgageAnnapolis, MD | A | 5 | 6 | 0.0% | 5.75% |
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.
