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 | 6,030 | 30,644 | 16.3% | 6.75% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 5,894 | 29,330 | 11.7% | 6.60% |
| 3 | Broker SolutionsTustin, CA | D | 1,742 | 3,076 | 12.6% | 6.88% |
| 4 | Freedom MortgageBoca Raton, FL | B | 1,739 | 3,515 | 9.7% | 6.25% |
| 5 | NewrezWilmington, DE | D | 1,196 | 4,958 | 18.5% | 6.75% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 1,149 | 2,691 | 11.2% | 6.13% |
| 7 | Union Home MortgageStrongsville, OH | B | 1,146 | 5,303 | 4.3% | 6.75% |
| 8 | AmeriSave MortgageSandy Springs, GA | D | 1,099 | 3,111 | 61.9% | 7.63% |
| 9 | Crosscountry MortgageCleveland, OH | B | 1,076 | 3,708 | 4.2% | 6.75% |
| 10 | Loandepot.ComIrvine, CA | D | 873 | 2,921 | 29.3% | 6.99% |
| 11 | Flagstar BankHicksville, NY | C | 820 | 4,889 | 21.3% | 6.63% |
| 12 | Equity Prime MortgageAtlanta, GA | D | 809 | 1,082 | 11.3% | 6.75% |
| 13 | Mortgage 1Sterling Heights, MI | A | 786 | 4,161 | 2.0% | 6.63% |
| 14 | Carrington Mortgage ServicesOrange, CA | D | 746 | 1,655 | 39.9% | 6.63% |
| 15 | Lakeview Loan ServicingCoral Gables, FL | C | 713 | 1,833 | 50.2% | 6.75% |
| 16 | The Huntington National BankColumbus, OH | D | 701 | 20,047 | 30.0% | 7.49% |
| 17 | Preston Home LoansGrand Blanc, MI | C | 656 | 1,648 | 2.1% | 6.63% |
| 18 | Mutual of Omaha MortgageSan Diego, CA | C | 555 | 1,052 | 21.7% | 6.50% |
| 19 | Guaranteed RateChicago, IL | B | 544 | 3,014 | 5.2% | 6.63% |
| 20 | Staunton FinancialSouthfield, MI | B | 455 | 2,833 | 4.4% | 6.63% |
| 21 | Lake Michigan Credit UnionGrand Rapids, MI | A | 409 | 16,662 | 5.6% | 6.75% |
| 22 | American Financial NetworkBrea, CA | C | 407 | 900 | 7.6% | 6.63% |
| 23 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 393 | 1,818 | 2.0% | 6.63% |
| 24 | Village Capital & InvestmentHenderson, NV | C | 370 | 834 | 26.5% | 5.75% |
| 25 | Fifth Third BankCincinnati, OH | D | 334 | 11,176 | 26.4% | 7.50% |
| 26 | Nationstar MortgageCoppell, TX | C | 315 | 2,558 | 16.4% | 7.49% |
| 27 | American FinancingAurora, CO | D | 311 | 556 | 44.4% | 6.13% |
| 28 | Everett FinancialDallas, | C | 307 | 1,041 | 6.1% | 6.63% |
| 29 | Unnamed lender 254900M2C4Q6DATP2889 | F | 294 | 461 | 17.4% | 6.13% |
| 30 | Success Mortgage PartnersPlymouth, MI | B | 291 | 1,233 | 1.7% | 6.63% |
| 31 | Michigan MutualPort Huron, MI | C | 285 | 891 | 6.7% | 6.99% |
| 32 | Plaza Home MortgageSan Diego, CA | C | 284 | 871 | 25.0% | 6.63% |
| 33 | The Mortgage LinkRockville, MD | B | 281 | 786 | 1.0% | 6.63% |
| 34 | Ruoff Mortgage CompanyFort Wayne, IN | A | 267 | 1,052 | 6.7% | 6.63% |
| 35 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 266 | 357 | 9.0% | 6.50% |
| 36 | Gvc MortgagePendleton, IN | B | 245 | 758 | 2.6% | 6.63% |
| 37 | Top Flite FinancialPlymouth, MI | D | 239 | 405 | 7.7% | 6.75% |
| 38 | JPMorgan Chase BankColumbus, OH | B | 236 | 4,921 | 11.0% | 6.63% |
| 39 | J. VirgilPalm Beach Gardens, FL | B | 234 | 768 | 1.3% | 6.63% |
| 40 | Guild MortgageSan Diego, CA | A | 231 | 1,097 | 3.2% | 6.75% |
| 41 | The Dart BankMason, MI | B | 231 | 3,524 | 6.4% | 6.75% |
| 42 | Kind LendingIrvine, CA | C | 222 | 674 | 32.8% | 7.00% |
| 43 | Sun West Mortgage CompanyCerritos, CA | B | 220 | 346 | 15.6% | 6.25% |
| 44 | Towne MortgageTroy, MI | B | 212 | 561 | 3.7% | 6.63% |
| 45 | PHH MortgageMount Laurel, NJ | C | 207 | 551 | 7.4% | 6.50% |
| 46 | Van Dyk MortgageGrand Rapids, MI | B | 203 | 598 | 1.3% | 6.63% |
| 47 | Hfg HoldingsTroy, MI | F | 201 | 479 | 34.2% | — |
| 48 | Michigan First Credit UnionLathrup Village, MI | F | 201 | 2,484 | 38.7% | 6.88% |
| 49 | Member First MortgageGrand Rapids, MI | D | 194 | 694 | 15.3% | 6.50% |
| 50 | First Community MortgageMurfreesboro, TN | A | 194 | 890 | 4.8% | 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.
