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 | 316 | 1,857 | 9.2% | 6.25% |
| 2 | Rocket MortgagePlymouth, MI | C | 272 | 1,999 | 17.5% | 6.75% |
| 3 | Evergreen Moneysource MortgageBellevue, WA | B | 248 | 1,158 | 1.1% | 6.25% |
| 4 | Stockman Bank of MontanaMiles City, MT | B | 238 | 2,911 | 6.3% | 6.88% |
| 5 | Freedom MortgageBoca Raton, FL | B | 231 | 724 | 8.6% | 6.00% |
| 6 | Broker SolutionsTustin, CA | D | 189 | 495 | 11.9% | 6.75% |
| 7 | Guild MortgageSan Diego, CA | A | 175 | 733 | 3.7% | 6.25% |
| 8 | Glacier BankKalispell, MT | D | 168 | 3,018 | 16.2% | 7.25% |
| 9 | Crosscountry MortgageCleveland, OH | B | 163 | 920 | 5.1% | 6.63% |
| 10 | Opportunity Bank of MontanaHelena, MT | B | 144 | 1,608 | 9.8% | 6.88% |
| 11 | Pennymac Loan ServicesWestlake Village, CA | C | 115 | 667 | 11.8% | 6.62% |
| 12 | AmeriSave MortgageSandy Springs, GA | D | 110 | 456 | 61.6% | 8.00% |
| 13 | Guaranteed RateChicago, IL | B | 110 | 758 | 6.3% | 6.50% |
| 14 | LowerColumbia, MD | C | 106 | 300 | 8.0% | 6.00% |
| 15 | Mutual of Omaha MortgageSan Diego, CA | C | 89 | 220 | 17.3% | 6.43% |
| 16 | Fairway Independent MortgageMadison, WI | B | 77 | 296 | 4.4% | 6.13% |
| 17 | Lakeview Loan ServicingCoral Gables, FL | C | 70 | 272 | 34.9% | 6.25% |
| 18 | Synergy One LendingSan Diego, CA | C | 64 | 273 | 8.4% | 6.50% |
| 19 | Kind LendingIrvine, CA | C | 63 | 450 | 21.1% | 6.50% |
| 20 | NewrezWilmington, DE | D | 63 | 481 | 15.0% | 6.50% |
| 21 | Loandepot.ComIrvine, CA | D | 62 | 406 | 27.3% | 6.99% |
| 22 | Calcon Mutual MortgageSan Diego, CA | D | 61 | 220 | 8.2% | 5.99% |
| 23 | American FinancingAurora, CO | D | 55 | 141 | 36.2% | 5.99% |
| 24 | Carrington Mortgage ServicesOrange, CA | D | 49 | 128 | 47.7% | 6.63% |
| 25 | Finance of America ReverseTulsa, OK | C | 47 | 71 | 21.1% | 6.38% |
| 26 | Union Home MortgageStrongsville, OH | B | 46 | 245 | 4.5% | 6.50% |
| 27 | Click n' CloseAddison, TX | C | 42 | 50 | 6.0% | 6.50% |
| 28 | PHH MortgageMount Laurel, NJ | C | 41 | 75 | 9.3% | 5.75% |
| 29 | Equity Prime MortgageAtlanta, GA | D | 35 | 54 | 11.1% | 6.50% |
| 30 | Longbridge FinancialMahwah, NJ | F | 34 | 47 | 10.6% | 6.44% |
| 31 | Cornerstone Capital BankHouston, TX | A | 32 | 264 | 1.1% | 6.63% |
| 32 | Securitynational MortgageSalt Lake City, UT | D | 29 | 121 | 9.1% | 6.75% |
| 33 | Nationstar MortgageCoppell, TX | C | 28 | 323 | 15.2% | 7.99% |
| 34 | Churchill MortgageBrentwood, TN | B | 26 | 237 | 1.7% | 6.13% |
| 35 | First Interstate BankBillings, MT | D | 24 | 987 | 22.9% | 8.25% |
| 36 | Plaza Home MortgageSan Diego, CA | C | 23 | 56 | 33.9% | 6.13% |
| 37 | Village Capital & InvestmentHenderson, NV | C | 23 | 97 | 22.7% | 5.75% |
| 38 | Barrington Bank & Trust CompanyBarrington, IL | C | 23 | 188 | 5.3% | 6.28% |
| 39 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 21 | 29 | 20.7% | 6.13% |
| 40 | Envoy MortgageHouston, TX | D | 21 | 124 | 1.6% | 6.63% |
| 41 | CMG MortgageSan Ramon, CA | A | 20 | 168 | 8.3% | 6.75% |
| 42 | Ixonia BankIxonia, WI | C | 19 | 58 | 6.9% | 6.75% |
| 43 | The Yellowstone BankBillings, MT | B | 19 | 283 | 3.9% | — |
| 44 | Veritas FundingMidvale, UT | D | 17 | 28 | 7.1% | 6.25% |
| 45 | Prosperity Home MortgageFairfax, VA | A | 17 | 139 | 6.5% | 6.63% |
| 46 | Mortgage Research CenterColumbia, MO | C | 17 | 940 | 16.7% | 6.13% |
| 47 | Traditional Mortgage AcceptanceBaltimore, MD | B | 16 | 16 | 6.3% | 5.69% |
| 48 | Premier Mortgage ResourcesMeridian, ID | B | 15 | 56 | 0.0% | 6.25% |
| 49 | South River MortgageAnnapolis, MD | A | 14 | 20 | 5.0% | 6.50% |
| 50 | Paramount Residential Mortgage GroupCorona, CA | B | 14 | 73 | 4.1% | 6.44% |
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.
