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 | 2,220 | 8,420 | 18.1% | 6.75% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 1,868 | 6,871 | 9.8% | 6.50% |
| 3 | Freedom MortgageBoca Raton, FL | B | 1,376 | 2,752 | 9.2% | 6.25% |
| 4 | Broker SolutionsTustin, CA | D | 1,279 | 2,519 | 8.9% | 6.63% |
| 5 | Stockton MortgageFrankfort, KY | D | 1,202 | 3,255 | 6.1% | 6.63% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 995 | 2,464 | 11.9% | 6.25% |
| 7 | AmeriSave MortgageSandy Springs, GA | D | 604 | 1,758 | 57.8% | 7.63% |
| 8 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 513 | 1,591 | 3.4% | 6.63% |
| 9 | Crosscountry MortgageCleveland, OH | B | 494 | 1,483 | 4.3% | 6.75% |
| 10 | NewrezWilmington, DE | D | 452 | 1,621 | 20.1% | 6.63% |
| 11 | LibertyEvansville, IN | B | 419 | 2,280 | 6.0% | 6.63% |
| 12 | Union Home MortgageStrongsville, OH | B | 387 | 1,456 | 6.7% | 6.50% |
| 13 | Northpointe BankGrand Rapids, MI | C | 380 | 1,927 | 9.0% | 6.88% |
| 14 | Loandepot.ComIrvine, CA | D | 368 | 1,049 | 28.0% | 6.75% |
| 15 | Lakeview Loan ServicingCoral Gables, FL | C | 341 | 827 | 42.4% | 6.50% |
| 16 | U.S. BankCincinnati, OH | D | 333 | 4,887 | 29.5% | 7.00% |
| 17 | Everett FinancialDallas, | C | 329 | 820 | 4.3% | 6.25% |
| 18 | Carrington Mortgage ServicesOrange, CA | D | 304 | 754 | 43.2% | 6.63% |
| 19 | Magnolia BankHodgenville, KY | C | 297 | 950 | 6.8% | 6.50% |
| 20 | T2 FinancialWesterville, OH | B | 288 | 743 | 4.6% | 6.38% |
| 21 | Mutual of Omaha MortgageSan Diego, CA | C | 281 | 541 | 19.0% | 6.63% |
| 22 | Kind LendingIrvine, CA | C | 253 | 626 | 20.3% | 6.63% |
| 23 | Equity Prime MortgageAtlanta, GA | D | 248 | 546 | 8.1% | 6.63% |
| 24 | LowerColumbia, MD | C | 245 | 689 | 9.7% | 6.56% |
| 25 | Prosperity Home MortgageFairfax, VA | A | 213 | 696 | 8.8% | 6.38% |
| 26 | Victory MortgageErlanger, KY | A | 208 | 869 | 2.9% | 6.00% |
| 27 | South Central BankGlasgow, KY | B | 207 | 1,778 | 6.8% | 7.25% |
| 28 | Fifth Third BankCincinnati, OH | D | 203 | 5,663 | 25.5% | 7.75% |
| 29 | Luminate BankMinneapolis, MN | B | 195 | 590 | 1.4% | 6.63% |
| 30 | Republic State MortgageHouston, TX | A | 194 | 372 | 3.2% | 6.38% |
| 31 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 184 | 528 | 2.5% | 6.38% |
| 32 | Guaranteed RateChicago, IL | B | 180 | 726 | 5.8% | 6.50% |
| 33 | American FinancingAurora, CO | D | 173 | 280 | 41.8% | 6.25% |
| 34 | Fairway Independent MortgageMadison, WI | B | 172 | 853 | 8.7% | 6.63% |
| 35 | Village Capital & InvestmentHenderson, NV | C | 167 | 470 | 23.0% | 5.75% |
| 36 | Gershman InvestmentChesterfield, MO | B | 161 | 424 | 4.0% | 6.38% |
| 37 | Stock Yards Bank & TrustLouisville, KY | B | 158 | 3,044 | 19.8% | 6.50% |
| 38 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 156 | 416 | 5.8% | 6.63% |
| 39 | Dhi Mortgage CompanyArlington, TX | B | 148 | 294 | 11.9% | 5.50% |
| 40 | Paramount Residential Mortgage GroupCorona, CA | B | 148 | 373 | 4.3% | 6.63% |
| 41 | Unnamed lender 254900M2C4Q6DATP2889 | F | 147 | 252 | 17.5% | 6.19% |
| 42 | Planet Home LendingMeriden, CT | B | 144 | 323 | 17.0% | 6.25% |
| 43 | Mortgage Research CenterColumbia, MO | C | 143 | 3,617 | 18.0% | 6.25% |
| 44 | Fbc MortgageOrlando, FL | B | 141 | 248 | 1.6% | 5.12% |
| 45 | Pike Creek Mortgage ServicesNewark, DE | B | 141 | 377 | 3.2% | 6.50% |
| 46 | Movement MortgageLancaster, SC | A | 140 | 458 | 4.8% | 6.63% |
| 47 | Nationstar MortgageCoppell, TX | C | 139 | 942 | 13.1% | 7.75% |
| 48 | Republic Bank & TrustLouisville, KY | B | 138 | 2,214 | 8.3% | 6.00% |
| 49 | Top Flite FinancialPlymouth, MI | D | 133 | 177 | 9.0% | 6.88% |
| 50 | First Community MortgageMurfreesboro, TN | A | 133 | 484 | 5.6% | 6.49% |
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.
