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 | United Shore Financial ServicesPlymouth, MI | B | 586 | 2,675 | 9.1% | 6.50% |
| 2 | Guild MortgageSan Diego, CA | A | 500 | 1,838 | 5.3% | 6.63% |
| 3 | Rocket MortgagePlymouth, MI | C | 495 | 2,628 | 22.9% | 6.75% |
| 4 | CMG MortgageSan Ramon, CA | A | 376 | 2,251 | 4.2% | 6.63% |
| 5 | Freedom MortgageBoca Raton, FL | B | 335 | 749 | 7.6% | 6.25% |
| 6 | Broker SolutionsTustin, CA | D | 292 | 876 | 10.3% | 6.75% |
| 7 | NewrezWilmington, DE | D | 202 | 857 | 18.7% | 6.63% |
| 8 | Bangor Savings BankBangor, ME | B | 193 | 4,518 | 17.2% | 7.25% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 173 | 654 | 12.5% | 6.50% |
| 10 | AmeriSave MortgageSandy Springs, GA | D | 168 | 633 | 65.4% | 8.38% |
| 11 | Mutual of Omaha MortgageSan Diego, CA | C | 155 | 266 | 16.9% | 6.38% |
| 12 | Loandepot.ComIrvine, CA | D | 149 | 660 | 28.3% | 6.88% |
| 13 | Lakeview Loan ServicingCoral Gables, FL | C | 134 | 313 | 45.1% | 6.25% |
| 14 | Crosscountry MortgageCleveland, OH | B | 128 | 601 | 4.2% | 6.63% |
| 15 | Fairway Independent MortgageMadison, WI | B | 107 | 509 | 3.5% | 6.63% |
| 16 | Northpoint MortgageSturbridge, MA | A | 98 | 431 | 2.6% | 6.63% |
| 17 | Total Mortgage ServicesMilford, CT | B | 89 | 441 | 3.6% | 6.88% |
| 18 | Guaranteed RateChicago, IL | B | 88 | 500 | 5.8% | 6.50% |
| 19 | T2 FinancialWesterville, OH | B | 85 | 265 | 5.3% | 6.63% |
| 20 | Carrington Mortgage ServicesOrange, CA | D | 84 | 207 | 40.1% | 6.81% |
| 21 | The Camden National BankCamden, ME | A | 81 | 2,559 | 13.2% | 6.99% |
| 22 | Cuso MortgageHampden, ME | C | 75 | 481 | 18.1% | 6.63% |
| 23 | American FinancingAurora, CO | D | 68 | 129 | 39.5% | 6.13% |
| 24 | Paramount Residential Mortgage GroupCorona, CA | B | 67 | 215 | 5.1% | 6.63% |
| 25 | Longbridge FinancialMahwah, NJ | F | 64 | 64 | 12.5% | 5.81% |
| 26 | Leaderone FinancialOverland Park, KS | D | 61 | 260 | 7.7% | 6.75% |
| 27 | Mortgage Research CenterColumbia, MO | C | 58 | 1,104 | 17.6% | 6.25% |
| 28 | Nationstar MortgageCoppell, TX | C | 56 | 437 | 14.9% | 7.38% |
| 29 | Finance of America ReverseTulsa, OK | C | 54 | 54 | 25.9% | 6.38% |
| 30 | DAS Acquisition CompanySt. Louis, MO | B | 54 | 149 | 7.4% | 6.63% |
| 31 | Equity Prime MortgageAtlanta, GA | D | 51 | 81 | 9.9% | 6.25% |
| 32 | Village Capital & InvestmentHenderson, NV | C | 44 | 108 | 16.7% | 5.87% |
| 33 | Luminate BankMinneapolis, MN | B | 43 | 116 | 0.9% | 6.50% |
| 34 | Megastar FinancialDenver, CO | A | 33 | 98 | 6.1% | 6.38% |
| 35 | Top Flite FinancialPlymouth, MI | D | 29 | 38 | 5.3% | 6.88% |
| 36 | NextMortgageSan Ramon, CA | C | 28 | 62 | 4.8% | 6.38% |
| 37 | PHH MortgageMount Laurel, NJ | C | 28 | 82 | 9.8% | 6.49% |
| 38 | LoanUnited.comDuluth, GA | C | 26 | 42 | 14.3% | 6.50% |
| 39 | Kind LendingIrvine, CA | C | 26 | 118 | 21.2% | 6.63% |
| 40 | Harborone MortgageBrockton, MA | B | 24 | 124 | 4.8% | 6.63% |
| 41 | Everett FinancialDallas, | C | 23 | 62 | 3.2% | 6.63% |
| 42 | LowerColumbia, MD | C | 23 | 64 | 21.9% | 6.13% |
| 43 | Better MortgageNew York, NY | F | 23 | 220 | 27.7% | 7.50% |
| 44 | Primary Residential MortgageSalt Lake City, UT | C | 22 | 98 | 8.2% | 6.88% |
| 45 | Embrace Home LoansMiddletown, RI | A | 22 | 106 | 9.4% | 6.50% |
| 46 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 20 | 27 | 14.8% | 6.50% |
| 47 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 19 | 39 | 12.8% | 6.69% |
| 48 | Affordable Mortgage Advisors, LLC.Pittsburgh, PA | B | 19 | 162 | 0.0% | 6.25% |
| 49 | Traditional Mortgage AcceptanceBaltimore, MD | B | 18 | 18 | 27.8% | 6.00% |
| 50 | Northern Mortgage ServicesGrandville, MI | B | 18 | 48 | 6.3% | 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.