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 | 1,841 | 8,694 | 10.6% | 6.38% |
| 2 | Rocket MortgagePlymouth, MI | C | 1,309 | 7,630 | 16.3% | 6.63% |
| 3 | Broker SolutionsTustin, CA | D | 975 | 3,246 | 5.5% | 6.75% |
| 4 | Freedom MortgageBoca Raton, FL | B | 907 | 1,878 | 9.0% | 6.25% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 745 | 2,758 | 9.9% | 6.25% |
| 6 | Crosscountry MortgageCleveland, OH | B | 643 | 3,942 | 2.1% | 6.63% |
| 7 | Fairway Independent MortgageMadison, WI | B | 561 | 3,327 | 3.2% | 6.75% |
| 8 | Loandepot.ComIrvine, CA | D | 538 | 2,104 | 17.6% | 6.75% |
| 9 | Guaranteed RateChicago, IL | B | 410 | 2,417 | 5.5% | 6.58% |
| 10 | NewrezWilmington, DE | D | 378 | 2,419 | 16.9% | 6.63% |
| 11 | Bell BankFargo, ND | A | 359 | 7,987 | 5.3% | 6.63% |
| 12 | Lakeview Loan ServicingCoral Gables, FL | C | 340 | 752 | 50.1% | 6.13% |
| 13 | Mutual of Omaha MortgageSan Diego, CA | C | 315 | 941 | 10.2% | 6.43% |
| 14 | Granite BankCold Spring, MN | B | 299 | 1,738 | 4.0% | 6.63% |
| 15 | AmeriSave MortgageSandy Springs, GA | D | 289 | 867 | 61.8% | 6.63% |
| 16 | Everett FinancialDallas, | C | 274 | 1,296 | 1.6% | 6.88% |
| 17 | Prosperity Home MortgageFairfax, VA | A | 244 | 2,141 | 3.6% | 6.63% |
| 18 | Carrington Mortgage ServicesOrange, CA | D | 220 | 573 | 45.6% | 6.63% |
| 19 | Luminate BankMinneapolis, MN | B | 200 | 1,809 | 2.3% | 6.63% |
| 20 | Plaza Home MortgageSan Diego, CA | C | 199 | 966 | 15.6% | 6.38% |
| 21 | Lennar MortgageMiami, FL | A | 188 | 1,688 | 3.3% | 5.88% |
| 22 | CMG MortgageSan Ramon, CA | A | 178 | 1,098 | 3.1% | 6.75% |
| 23 | American FinancingAurora, CO | D | 174 | 317 | 41.3% | 6.38% |
| 24 | Equity Prime MortgageAtlanta, GA | D | 172 | 275 | 8.7% | 6.63% |
| 25 | M/i FinancialColumbus, OH | A | 171 | 661 | 0.9% | 5.88% |
| 26 | Paramount Residential Mortgage GroupCorona, CA | B | 165 | 681 | 4.0% | 6.63% |
| 27 | Plains Commerce BankSioux Falls, SD | B | 153 | 597 | 8.5% | 6.63% |
| 28 | Dhi Mortgage CompanyArlington, TX | B | 148 | 865 | 5.7% | 5.50% |
| 29 | Nationstar MortgageCoppell, TX | C | 140 | 1,158 | 13.2% | 8.25% |
| 30 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 137 | 541 | 4.1% | 6.75% |
| 31 | Unnamed lender 254900M2C4Q6DATP2889 | F | 132 | 244 | 14.8% | 5.99% |
| 32 | Royal Credit UnionEau Claire, WI | B | 130 | 2,342 | 11.0% | 6.75% |
| 33 | Kind LendingIrvine, CA | C | 119 | 477 | 23.3% | 6.63% |
| 34 | LowerColumbia, MD | C | 119 | 511 | 5.3% | 6.50% |
| 35 | Village Capital & InvestmentHenderson, NV | C | 116 | 250 | 26.8% | 5.75% |
| 36 | Homeowners Financial Group USAScottadale, AZ | B | 111 | 589 | 3.4% | 6.63% |
| 37 | Summit MortgagePlymouth, MN | B | 109 | 828 | 3.4% | 6.63% |
| 38 | U.S. BankCincinnati, OH | D | 105 | 8,624 | 30.4% | 7.88% |
| 39 | American Pacific MortgageRoseville, CA | C | 104 | 354 | 10.2% | 6.75% |
| 40 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 101 | 429 | 0.7% | 6.75% |
| 41 | Union Home MortgageStrongsville, OH | B | 101 | 533 | 5.4% | 6.50% |
| 42 | Wells Fargo BankCharlotte, NC | B | 98 | 2,449 | 13.0% | 6.38% |
| 43 | Guild MortgageSan Diego, CA | A | 94 | 1,061 | 2.5% | 6.75% |
| 44 | GoodLeapRoseville, CA | C | 93 | 278 | 20.9% | 7.05% |
| 45 | Cambria Financial GroupEden Prairie, MN | B | 92 | 573 | 3.3% | 6.50% |
| 46 | Guaranteed Rate AffinityChicago, IL | A | 92 | 976 | 4.6% | 6.63% |
| 47 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 89 | 125 | 7.2% | 6.50% |
| 48 | Movement MortgageLancaster, SC | A | 86 | 634 | 2.5% | 6.75% |
| 49 | Swbc MortgageSan Antonio, TX | A | 79 | 576 | 3.5% | 6.63% |
| 50 | American Financial NetworkBrea, CA | C | 73 | 126 | 14.3% | 6.88% |
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.
