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 | 3,637 | 16,971 | 19.7% | 6.75% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 3,265 | 15,644 | 13.0% | 6.50% |
| 3 | Broker SolutionsTustin, CA | D | 2,615 | 6,886 | 8.3% | 6.88% |
| 4 | Freedom MortgageBoca Raton, FL | B | 2,311 | 4,316 | 9.6% | 6.25% |
| 5 | Loandepot.ComIrvine, CA | D | 2,295 | 7,019 | 17.7% | 6.88% |
| 6 | Guaranteed RateChicago, IL | B | 2,227 | 17,479 | 4.9% | 6.63% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 2,148 | 5,192 | 12.6% | 6.49% |
| 8 | Crosscountry MortgageCleveland, OH | B | 1,869 | 8,779 | 4.5% | 6.75% |
| 9 | NewrezWilmington, DE | D | 1,525 | 6,033 | 21.9% | 6.75% |
| 10 | Fairway Independent MortgageMadison, WI | B | 1,148 | 6,151 | 6.0% | 6.88% |
| 11 | AmeriSave MortgageSandy Springs, GA | D | 1,140 | 3,886 | 64.7% | 8.00% |
| 12 | Lakeview Loan ServicingCoral Gables, FL | C | 867 | 2,288 | 54.4% | 6.63% |
| 13 | Guild MortgageSan Diego, CA | A | 866 | 4,009 | 5.6% | 6.63% |
| 14 | Carrington Mortgage ServicesOrange, CA | D | 757 | 1,680 | 47.2% | 6.63% |
| 15 | Mutual of Omaha MortgageSan Diego, CA | C | 719 | 1,930 | 13.0% | 6.63% |
| 16 | American Pacific MortgageRoseville, CA | C | 678 | 3,209 | 6.9% | 6.75% |
| 17 | Neighborhood LoansDowner Grove, IL | C | 641 | 3,063 | 55.0% | 8.75% |
| 18 | JPMorgan Chase BankColumbus, OH | B | 508 | 13,574 | 9.7% | 6.49% |
| 19 | Equity Prime MortgageAtlanta, GA | D | 496 | 732 | 9.4% | 6.63% |
| 20 | Flat Branch MortgageColumbia, MO | A | 495 | 2,088 | 1.6% | 6.63% |
| 21 | Nationstar MortgageCoppell, TX | C | 421 | 2,970 | 15.1% | 7.88% |
| 22 | Village Capital & InvestmentHenderson, NV | C | 391 | 787 | 23.8% | 6.00% |
| 23 | LowerColumbia, MD | C | 383 | 1,808 | 8.5% | 6.75% |
| 24 | Towne MortgageTroy, MI | B | 339 | 1,273 | 2.7% | 6.63% |
| 25 | Dhi Mortgage CompanyArlington, TX | B | 330 | 1,192 | 13.4% | 5.88% |
| 26 | Barrington Bank & Trust CompanyBarrington, IL | C | 330 | 3,980 | 5.4% | 6.63% |
| 27 | American FinancingAurora, CO | D | 301 | 496 | 47.0% | 6.25% |
| 28 | The Huntington National BankColumbus, OH | D | 289 | 8,226 | 31.9% | 6.99% |
| 29 | Mortgage Research CenterColumbia, MO | C | 286 | 5,914 | 16.0% | 6.25% |
| 30 | GREENSTATE Credit UnionNorth Liberty, IA | B | 274 | 5,658 | 7.1% | 6.75% |
| 31 | The Federal Savings BankChicago, IL | C | 267 | 1,470 | 8.2% | 6.63% |
| 32 | Mld MortgageFlorham Park, NJ | A | 265 | 1,406 | 2.6% | 6.63% |
| 33 | Endeavor Capital, LLC.Chesterfield, MO | C | 261 | 651 | 3.2% | 6.63% |
| 34 | Compass MortgageWinfield, IL | B | 258 | 1,456 | 2.0% | 6.75% |
| 35 | U.S. BankCincinnati, OH | D | 241 | 10,076 | 38.3% | 7.00% |
| 36 | Union Home MortgageStrongsville, OH | B | 223 | 2,224 | 5.9% | 6.63% |
| 37 | Ixonia BankIxonia, WI | C | 210 | 824 | 3.9% | 6.88% |
| 38 | Plaza Home MortgageSan Diego, CA | C | 204 | 688 | 22.8% | 6.63% |
| 39 | Guaranteed Rate AffinityChicago, IL | A | 202 | 1,685 | 6.5% | 6.73% |
| 40 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 200 | 675 | 9.9% | 6.63% |
| 41 | Delmar FinancialSaint Louis, MO | A | 199 | 850 | 2.1% | 6.63% |
| 42 | Sun West Mortgage CompanyCerritos, CA | B | 198 | 534 | 10.9% | 6.75% |
| 43 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 197 | 380 | 9.5% | 6.75% |
| 44 | Leaderone FinancialOverland Park, KS | D | 196 | 978 | 10.9% | 6.75% |
| 45 | PHH MortgageMount Laurel, NJ | C | 187 | 619 | 9.7% | 6.63% |
| 46 | OCMBCIrvine, CA | C | 187 | 814 | 14.5% | 7.38% |
| 47 | Movement MortgageLancaster, SC | A | 181 | 756 | 7.5% | 6.75% |
| 48 | Gershman InvestmentChesterfield, MO | B | 172 | 358 | 19.0% | 6.63% |
| 49 | BMO BankChicago, IL | F | 172 | 8,007 | 32.7% | 8.33% |
| 50 | First State Mortgage ServicesBloomington, IL | A | 167 | 1,359 | 2.4% | 6.63% |
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.
