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 | 2,290 | 10,460 | 18.4% | 6.63% |
| 2 | Flat Branch MortgageColumbia, MO | A | 2,142 | 8,999 | 0.9% | 6.63% |
| 3 | Freedom MortgageBoca Raton, FL | B | 1,905 | 3,946 | 8.2% | 6.25% |
| 4 | Broker SolutionsTustin, CA | D | 1,776 | 5,007 | 7.8% | 6.88% |
| 5 | Guild MortgageSan Diego, CA | A | 1,618 | 7,388 | 2.5% | 6.63% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 1,610 | 4,610 | 12.1% | 6.38% |
| 7 | United Shore Financial ServicesPlymouth, MI | B | 1,312 | 6,710 | 8.0% | 6.55% |
| 8 | DAS Acquisition CompanySt. Louis, MO | B | 1,063 | 4,130 | 2.5% | 6.75% |
| 9 | AmeriSave MortgageSandy Springs, GA | D | 891 | 2,434 | 61.4% | 7.25% |
| 10 | NewrezWilmington, DE | D | 874 | 3,424 | 18.2% | 6.63% |
| 11 | Fairway Independent MortgageMadison, WI | B | 688 | 3,034 | 3.7% | 6.63% |
| 12 | Loandepot.ComIrvine, CA | D | 672 | 2,183 | 28.4% | 6.88% |
| 13 | Leaderone FinancialOverland Park, KS | D | 660 | 2,189 | 8.0% | 6.63% |
| 14 | Gershman InvestmentChesterfield, MO | B | 582 | 2,317 | 6.3% | 6.63% |
| 15 | Crosscountry MortgageCleveland, OH | B | 518 | 1,787 | 4.0% | 6.69% |
| 16 | Carrington Mortgage ServicesOrange, CA | D | 496 | 1,043 | 39.2% | 6.63% |
| 17 | Mutual of Omaha MortgageSan Diego, CA | C | 474 | 1,012 | 19.1% | 6.38% |
| 18 | Lakeview Loan ServicingCoral Gables, FL | C | 448 | 1,226 | 41.8% | 6.63% |
| 19 | The Central Trust BankJefferson City, MO | C | 411 | 7,022 | 9.7% | 6.63% |
| 20 | Mortgage Research CenterColumbia, MO | C | 373 | 5,734 | 15.6% | 6.25% |
| 21 | JlbSaint Louis, MO | C | 370 | 653 | 4.1% | 6.25% |
| 22 | Primelending, a PlainscapitalDallas, TX | A | 350 | 1,896 | 2.4% | 6.50% |
| 23 | Village Capital & InvestmentHenderson, NV | C | 315 | 879 | 12.0% | 5.99% |
| 24 | Endeavor Capital, LLC.Chesterfield, MO | C | 282 | 906 | 2.5% | 6.62% |
| 25 | Community MortgageKansas City, MO | A | 272 | 819 | 1.3% | 6.38% |
| 26 | Nationstar MortgageCoppell, TX | C | 266 | 1,951 | 14.0% | 7.75% |
| 27 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 263 | 667 | 3.0% | 6.63% |
| 28 | Equity Prime MortgageAtlanta, GA | D | 260 | 432 | 7.4% | 6.63% |
| 29 | Geneva FinancialChandler, AZ | C | 259 | 861 | 1.3% | 6.75% |
| 30 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 257 | 355 | 5.4% | 6.50% |
| 31 | Arvest BankFayetteville, AR | C | 247 | 3,204 | 15.0% | 6.88% |
| 32 | Communityamerica Credit UnionLenexa, KS | B | 246 | 5,843 | 16.8% | 6.49% |
| 33 | American FinancingAurora, CO | D | 245 | 448 | 43.3% | 5.99% |
| 34 | Planet Home LendingMeriden, CT | B | 229 | 479 | 18.4% | 5.99% |
| 35 | U.S. BankCincinnati, OH | D | 217 | 7,190 | 32.8% | 7.63% |
| 36 | Prosperity Home MortgageFairfax, VA | A | 210 | 901 | 6.7% | 6.50% |
| 37 | Click n' CloseAddison, TX | C | 199 | 566 | 3.4% | 6.50% |
| 38 | Guaranteed RateChicago, IL | B | 183 | 964 | 9.1% | 6.50% |
| 39 | Midwest Mortgage AssociatesColorado Springs, CO | B | 181 | 423 | 1.4% | 6.63% |
| 40 | Guaranteed Rate AffinityChicago, IL | A | 180 | 1,154 | 4.2% | 6.53% |
| 41 | American Pacific MortgageRoseville, CA | C | 177 | 878 | 6.4% | 6.63% |
| 42 | GoodLeapRoseville, CA | C | 167 | 527 | 23.3% | 6.38% |
| 43 | PHH MortgageMount Laurel, NJ | C | 160 | 416 | 9.6% | 6.49% |
| 44 | M Squared FinancialPrairie Village, KS | B | 160 | 530 | 3.0% | 6.50% |
| 45 | Everett FinancialDallas, | C | 157 | 538 | 4.5% | 6.88% |
| 46 | Commerce BankKansas City, MO | D | 156 | 4,905 | 27.2% | 6.72% |
| 47 | Top Flite FinancialPlymouth, MI | D | 155 | 182 | 7.7% | 6.88% |
| 48 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 152 | 349 | 9.5% | 6.63% |
| 49 | Flanagan State BankFlanagan, IL | D | 152 | 406 | 15.8% | 6.63% |
| 50 | First State Bank of St. Charles, MissouriSt. Charles, MO | A | 148 | 1,609 | 0.0% | 6.50% |
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.
