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 | Freedom MortgageBoca Raton, FL | B | 171 | 924 | 10.8% | 5.75% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 113 | 1,710 | 11.1% | 6.13% |
| 3 | Guild MortgageSan Diego, CA | A | 86 | 488 | 7.2% | 6.62% |
| 4 | Rocket MortgagePlymouth, MI | C | 85 | 1,637 | 22.4% | 6.63% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 77 | 793 | 15.5% | 6.13% |
| 6 | CMG MortgageSan Ramon, CA | A | 71 | 621 | 4.0% | 6.50% |
| 7 | Dhi Mortgage CompanyArlington, TX | B | 70 | 368 | 9.8% | 5.50% |
| 8 | Securitynational MortgageSalt Lake City, UT | D | 67 | 217 | 18.4% | 6.88% |
| 9 | Loandepot.ComIrvine, CA | D | 63 | 521 | 21.1% | 6.63% |
| 10 | NewrezWilmington, DE | D | 63 | 891 | 16.5% | 6.25% |
| 11 | Finance of America ReverseTulsa, OK | C | 62 | 127 | 4.7% | 8.24% |
| 12 | AmeriSave MortgageSandy Springs, GA | D | 52 | 352 | 64.5% | 8.63% |
| 13 | Mutual of Omaha MortgageSan Diego, CA | C | 48 | 96 | 13.5% | 6.49% |
| 14 | Guaranteed RateChicago, IL | B | 45 | 766 | 5.4% | 6.50% |
| 15 | NFMLinthicum, MD | A | 43 | 296 | 1.4% | 6.99% |
| 16 | Broker SolutionsTustin, CA | D | 40 | 110 | 16.4% | 6.75% |
| 17 | Plaza Home MortgageSan Diego, CA | C | 37 | 124 | 33.1% | 6.50% |
| 18 | Carrington Mortgage ServicesOrange, CA | D | 32 | 182 | 35.7% | 6.50% |
| 19 | Central Pacific BankHonolulu, HI | C | 28 | 1,519 | 33.6% | 6.13% |
| 20 | Longbridge FinancialMahwah, NJ | F | 27 | 67 | 11.9% | 8.99% |
| 21 | Click n' CloseAddison, TX | C | 26 | 44 | 11.4% | 6.50% |
| 22 | HomeStreet BankSeattle, WA | C | 26 | 58 | 37.9% | 6.00% |
| 23 | Bank of HawaiiHonolulu, HI | C | 26 | 3,679 | 27.8% | 6.00% |
| 24 | HightechlendingIrvine, CA | B | 25 | 86 | 4.7% | 6.88% |
| 25 | Kind LendingIrvine, CA | C | 24 | 268 | 28.7% | 6.63% |
| 26 | American FinancingAurora, CO | D | 23 | 67 | 55.2% | 6.50% |
| 27 | V.i.p. MortgageScottsdale, AZ | B | 23 | 89 | 4.5% | 6.63% |
| 28 | Mld MortgageFlorham Park, NJ | A | 22 | 42 | 4.8% | 5.75% |
| 29 | The Loan StoreSan Francisco, CA | B | 21 | 505 | 12.1% | 6.63% |
| 30 | Homebridge Financial ServicesIselin, NJ | B | 20 | 200 | 28.0% | 7.31% |
| 31 | Nationstar MortgageCoppell, TX | C | 18 | 217 | 22.6% | 6.88% |
| 32 | Mason Mcduffie MortgageSan Ramon, CA | C | 15 | 87 | 5.8% | 6.63% |
| 33 | Canopy MortgageLindon, UT | B | 14 | 137 | 1.5% | 6.63% |
| 34 | Fairway Independent MortgageMadison, WI | B | 13 | 137 | 11.7% | 6.63% |
| 35 | Paramount Residential Mortgage GroupCorona, CA | B | 13 | 158 | 0.6% | 6.63% |
| 36 | Sun West Mortgage CompanyCerritos, CA | B | 12 | 47 | 14.9% | 6.25% |
| 37 | Village Capital & InvestmentHenderson, NV | C | 12 | 68 | 11.8% | 5.75% |
| 38 | Plains Commerce BankSioux Falls, SD | B | 12 | 143 | 6.3% | 6.38% |
| 39 | Pacific LendingOntario, CA | B | 10 | 29 | 0.0% | 6.13% |
| 40 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 10 | 31 | 6.5% | 6.19% |
| 41 | Crosscountry MortgageCleveland, OH | B | 10 | 178 | 6.2% | 6.88% |
| 42 | American Pacific MortgageRoseville, CA | C | 9 | 64 | 17.2% | 6.75% |
| 43 | American Financial NetworkBrea, CA | C | 9 | 76 | 10.5% | 6.25% |
| 44 | Mortgage Research CenterColumbia, MO | C | 9 | 695 | 14.7% | 6.13% |
| 45 | Better MortgageNew York, NY | F | 8 | 146 | 34.3% | 8.75% |
| 46 | Mechanics BankWalnut Creek, CA | C | 6 | 16 | 31.3% | 5.94% |
| 47 | Planet Home LendingMeriden, CT | B | 6 | 37 | 10.8% | 5.38% |
| 48 | Texana BankLinden, TX | C | 6 | 48 | 8.3% | 6.25% |
| 49 | American Savings BankHonolulu, HI | C | 6 | 2,479 | 34.5% | 5.65% |
| 50 | DAS Acquisition CompanySt. Louis, MO | B | 5 | 25 | 4.0% | 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.
