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 | 3,460 | 13,503 | 18.6% | 6.75% |
| 2 | Freedom MortgageBoca Raton, FL | B | 3,086 | 5,454 | 8.9% | 6.25% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 2,496 | 8,659 | 12.2% | 6.38% |
| 4 | Ruoff Mortgage CompanyFort Wayne, IN | A | 2,241 | 8,860 | 4.0% | 6.75% |
| 5 | Broker SolutionsTustin, CA | D | 1,794 | 3,246 | 10.4% | 6.99% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 1,703 | 3,080 | 10.7% | 6.00% |
| 7 | NewrezWilmington, DE | D | 1,654 | 5,421 | 18.2% | 6.63% |
| 8 | Crosscountry MortgageCleveland, OH | B | 1,175 | 3,461 | 4.2% | 6.63% |
| 9 | Fairway Independent MortgageMadison, WI | B | 1,112 | 4,813 | 7.4% | 6.75% |
| 10 | Carrington Mortgage ServicesOrange, CA | D | 1,001 | 2,127 | 42.8% | 6.63% |
| 11 | Loandepot.ComIrvine, CA | D | 961 | 3,137 | 26.2% | 6.99% |
| 12 | Gvc MortgagePendleton, IN | B | 938 | 4,042 | 2.4% | 6.75% |
| 13 | AmeriSave MortgageSandy Springs, GA | D | 896 | 2,615 | 58.9% | 7.99% |
| 14 | Dhi Mortgage CompanyArlington, TX | B | 818 | 1,741 | 14.7% | 5.25% |
| 15 | Lennar MortgageMiami, FL | A | 694 | 2,761 | 14.0% | 4.99% |
| 16 | Vanderbilt Mortgage and FinanceMaryville, TN | F | 687 | 2,674 | 18.3% | 5.88% |
| 17 | Union Home MortgageStrongsville, OH | B | 670 | 2,856 | 3.1% | 6.63% |
| 18 | Mutual of Omaha MortgageSan Diego, CA | C | 646 | 1,155 | 21.0% | 6.38% |
| 19 | Guaranteed RateChicago, IL | B | 611 | 2,669 | 6.9% | 6.63% |
| 20 | Lakeview Loan ServicingCoral Gables, FL | C | 567 | 1,013 | 48.3% | 6.38% |
| 21 | Equity Prime MortgageAtlanta, GA | D | 493 | 725 | 8.1% | 6.63% |
| 22 | Guild MortgageSan Diego, CA | A | 477 | 1,824 | 3.8% | 6.63% |
| 23 | CMG MortgageSan Ramon, CA | A | 437 | 1,651 | 4.7% | 6.75% |
| 24 | GoodLeapRoseville, CA | C | 410 | 1,334 | 22.4% | 6.50% |
| 25 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 400 | 644 | 7.9% | 6.50% |
| 26 | Fifth Third BankCincinnati, OH | D | 365 | 8,693 | 27.6% | 7.75% |
| 27 | Nationstar MortgageCoppell, TX | C | 351 | 2,095 | 14.5% | 7.88% |
| 28 | American FinancingAurora, CO | D | 333 | 543 | 47.0% | 6.13% |
| 29 | Mjw FinancialIndianapolis, IN | A | 323 | 1,610 | 2.2% | 6.62% |
| 30 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 321 | 943 | 4.2% | 6.99% |
| 31 | Mortgage Masters of IndianaEvansville, IN | B | 319 | 961 | 2.8% | 6.50% |
| 32 | LowerColumbia, MD | C | 308 | 793 | 9.2% | 6.63% |
| 33 | NVR Mortgage FinanceReston, VA | B | 298 | 658 | 22.6% | 6.13% |
| 34 | Mortgage Research CenterColumbia, MO | C | 289 | 4,791 | 19.0% | 6.25% |
| 35 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 277 | 733 | 0.8% | 6.63% |
| 36 | Stockton MortgageFrankfort, KY | D | 275 | 965 | 7.5% | 6.75% |
| 37 | American Pacific MortgageRoseville, CA | C | 270 | 729 | 7.4% | 6.88% |
| 38 | American Financial NetworkBrea, CA | C | 266 | 710 | 5.4% | 6.81% |
| 39 | JPMorgan Chase BankColumbus, OH | B | 262 | 4,366 | 9.8% | 6.50% |
| 40 | Plaza Home MortgageSan Diego, CA | C | 258 | 683 | 20.6% | 6.63% |
| 41 | Luminate BankMinneapolis, MN | B | 245 | 696 | 2.4% | 6.88% |
| 42 | Village Capital & InvestmentHenderson, NV | C | 242 | 656 | 21.5% | 5.75% |
| 43 | M/i FinancialColumbus, OH | A | 218 | 535 | 7.1% | 5.38% |
| 44 | Wolfe FinancialAsheboro, NC | C | 198 | 639 | 0.9% | 6.88% |
| 45 | Prosperity Home MortgageFairfax, VA | A | 197 | 560 | 9.6% | 6.50% |
| 46 | MilendAlpharetta, GA | F | 190 | 256 | 10.2% | 6.38% |
| 47 | Planet Home LendingMeriden, CT | B | 182 | 337 | 15.7% | 5.99% |
| 48 | Top Flite FinancialPlymouth, MI | D | 177 | 212 | 7.1% | 6.75% |
| 49 | The Huntington National BankColumbus, OH | D | 177 | 4,584 | 30.2% | 7.84% |
| 50 | Direct Mortgage LoansHunt Valley, MD | B | 173 | 367 | 1.9% | 6.56% |
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.
