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 | 1,196 | 5,303 | 18.0% | 6.63% |
| 2 | Pennymac Loan ServicesWestlake Village, CA | C | 695 | 2,103 | 10.8% | 6.49% |
| 3 | Freedom MortgageBoca Raton, FL | B | 658 | 1,491 | 8.6% | 6.25% |
| 4 | United Shore Financial ServicesPlymouth, MI | B | 615 | 2,545 | 11.4% | 6.38% |
| 5 | Broker SolutionsTustin, CA | D | 454 | 847 | 15.1% | 6.88% |
| 6 | Guild MortgageSan Diego, CA | A | 398 | 1,549 | 3.6% | 6.63% |
| 7 | Flat Branch MortgageColumbia, MO | A | 382 | 1,455 | 0.6% | 6.63% |
| 8 | Fairway Independent MortgageMadison, WI | B | 378 | 2,360 | 2.0% | 6.63% |
| 9 | AmeriSave MortgageSandy Springs, GA | D | 338 | 998 | 61.3% | 7.25% |
| 10 | NewrezWilmington, DE | D | 284 | 1,069 | 16.9% | 6.63% |
| 11 | Loandepot.ComIrvine, CA | D | 263 | 878 | 27.6% | 6.99% |
| 12 | Members Mortgage ServicesHutchinson, KS | D | 216 | 311 | 11.9% | 6.25% |
| 13 | Planet Home LendingMeriden, CT | B | 189 | 413 | 9.7% | 6.38% |
| 14 | Mortgage Investment ServicesShawnee, KS | C | 164 | 392 | 13.5% | 6.75% |
| 15 | Carrington Mortgage ServicesOrange, CA | D | 156 | 397 | 49.1% | 6.63% |
| 16 | Leaderone FinancialOverland Park, KS | D | 153 | 551 | 4.9% | 6.63% |
| 17 | Lakeview Loan ServicingCoral Gables, FL | C | 141 | 508 | 42.7% | 6.75% |
| 18 | Sierra Pacific Mortgage CompanyFolsom, CA | C | 137 | 482 | 7.3% | 6.63% |
| 19 | Mutual of Omaha MortgageSan Diego, CA | C | 136 | 335 | 14.6% | 6.38% |
| 20 | Crosscountry MortgageCleveland, OH | B | 133 | 797 | 2.0% | 6.63% |
| 21 | Equity Prime MortgageAtlanta, GA | D | 132 | 223 | 6.3% | 6.63% |
| 22 | Gateway First BankJenks, OK | B | 132 | 661 | 2.7% | 6.63% |
| 23 | American Mortgage BankOklahoma City, OK | C | 130 | 386 | 4.9% | 6.63% |
| 24 | NBH BankGreenwood Village, CO | C | 129 | 555 | 9.0% | 6.50% |
| 25 | American FinancingAurora, CO | D | 120 | 216 | 43.5% | 5.99% |
| 26 | Primary Residential MortgageSalt Lake City, UT | C | 120 | 304 | 2.6% | 6.75% |
| 27 | Nationstar MortgageCoppell, TX | C | 116 | 864 | 14.4% | 8.25% |
| 28 | CMG MortgageSan Ramon, CA | A | 113 | 232 | 6.0% | 6.00% |
| 29 | Primelending, a PlainscapitalDallas, TX | A | 108 | 584 | 3.4% | 6.75% |
| 30 | Communityamerica Credit UnionLenexa, KS | B | 108 | 3,575 | 12.4% | 6.38% |
| 31 | Click n' CloseAddison, TX | C | 91 | 185 | 2.7% | 6.63% |
| 32 | Mortgage Research CenterColumbia, MO | C | 90 | 2,389 | 15.1% | 6.25% |
| 33 | Sunflower BankDallas, TX | B | 86 | 333 | 10.2% | 6.38% |
| 34 | Landmark National BankManhattan, KS | B | 85 | 875 | 4.0% | 6.38% |
| 35 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 78 | 210 | 3.3% | 6.50% |
| 36 | M Squared FinancialPrairie Village, KS | B | 77 | 390 | 1.0% | 6.63% |
| 37 | Canopy MortgageLindon, UT | B | 76 | 162 | 0.6% | 6.75% |
| 38 | American Financial NetworkBrea, CA | C | 69 | 152 | 3.3% | 6.75% |
| 39 | Fidelity BankWichita, KS | C | 69 | 1,102 | 12.8% | 6.88% |
| 40 | Union Home MortgageStrongsville, OH | B | 66 | 413 | 9.2% | 6.50% |
| 41 | Endeavor Capital, LLC.Chesterfield, MO | C | 62 | 200 | 5.5% | 6.50% |
| 42 | Regent Financial GroupOmaha, NE | B | 61 | 173 | 0.0% | 6.50% |
| 43 | Prosperity Home MortgageFairfax, VA | A | 60 | 387 | 4.1% | 6.63% |
| 44 | Bell BankFargo, ND | A | 57 | 460 | 4.1% | 6.50% |
| 45 | GoodLeapRoseville, CA | C | 56 | 219 | 23.3% | 6.63% |
| 46 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 54 | 304 | 1.6% | 6.75% |
| 47 | Arvest BankFayetteville, AR | C | 52 | 1,062 | 14.3% | 6.75% |
| 48 | Credit Union of AmericaWichita, KS | C | 50 | 1,940 | 22.9% | 7.75% |
| 49 | Finance of America ReverseTulsa, OK | C | 49 | 49 | 10.2% | 6.13% |
| 50 | Sun West Mortgage CompanyCerritos, CA | B | 49 | 177 | 6.8% | 6.38% |
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.
