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 | 739 | 3,384 | 17.6% | 6.75% |
| 2 | Charter West BankWest Point, NE | C | 688 | 2,258 | 6.6% | 6.50% |
| 3 | Freedom MortgageBoca Raton, FL | B | 404 | 898 | 9.1% | 6.25% |
| 4 | Pennymac Loan ServicesWestlake Village, CA | C | 372 | 1,137 | 11.8% | 6.49% |
| 5 | United Shore Financial ServicesPlymouth, MI | B | 307 | 1,558 | 8.2% | 6.37% |
| 6 | Broker SolutionsTustin, CA | D | 295 | 552 | 7.8% | 6.88% |
| 7 | Fairway Independent MortgageMadison, WI | B | 255 | 885 | 4.8% | 6.13% |
| 8 | CMG MortgageSan Ramon, CA | A | 193 | 968 | 3.5% | 6.50% |
| 9 | Gershman InvestmentChesterfield, MO | B | 182 | 654 | 1.7% | 6.38% |
| 10 | Plains Commerce BankSioux Falls, SD | B | 179 | 546 | 7.9% | 6.38% |
| 11 | Lincoln FSB of NebraskaLincoln, NE | A | 176 | 1,294 | 2.8% | 6.38% |
| 12 | AmeriSave MortgageSandy Springs, GA | D | 170 | 568 | 60.0% | 8.00% |
| 13 | Pinnacle BankLincoln, NE | B | 170 | 3,371 | 4.3% | 6.95% |
| 14 | Mutual of Omaha MortgageSan Diego, CA | C | 168 | 400 | 13.8% | 6.38% |
| 15 | Guaranteed RateChicago, IL | B | 160 | 863 | 4.1% | 6.50% |
| 16 | Moria DevelopmentTempe, AZ | B | 159 | 394 | 3.6% | 6.63% |
| 17 | Loandepot.ComIrvine, CA | D | 148 | 507 | 30.2% | 6.99% |
| 18 | Dhi Mortgage CompanyArlington, TX | B | 146 | 500 | 10.4% | 5.50% |
| 19 | NewrezWilmington, DE | D | 143 | 657 | 16.4% | 6.50% |
| 20 | First National Bank of OmahaOmaha, NE | C | 143 | 2,902 | 19.6% | 7.00% |
| 21 | Guild MortgageSan Diego, CA | A | 131 | 626 | 3.5% | 6.38% |
| 22 | Churchill MortgageBrentwood, TN | B | 125 | 634 | 2.4% | 6.50% |
| 23 | Mortgage Research CenterColumbia, MO | C | 106 | 1,651 | 12.5% | 6.25% |
| 24 | Access BankOmaha, NE | A | 90 | 565 | 2.1% | 6.38% |
| 25 | Unnamed lender 254900M2C4Q6DATP2889 | F | 73 | 97 | 18.6% | 6.13% |
| 26 | American FinancingAurora, CO | D | 73 | 140 | 45.0% | 6.50% |
| 27 | Castle & Cooke MortgageWilmington, DE | C | 73 | 262 | 5.0% | 6.63% |
| 28 | Lakeview Loan ServicingCoral Gables, FL | C | 71 | 230 | 29.6% | 6.25% |
| 29 | Regent Financial GroupOmaha, NE | B | 69 | 327 | 0.0% | 6.38% |
| 30 | Prosperity Home MortgageFairfax, VA | A | 67 | 331 | 3.3% | 6.25% |
| 31 | West Gate BankLincoln, NE | A | 67 | 2,040 | 5.0% | 6.50% |
| 32 | Liberty First Credit UnionLincoln, NE | C | 60 | 659 | 9.6% | 6.63% |
| 33 | U.S. BankCincinnati, OH | D | 58 | 2,163 | 32.9% | 6.99% |
| 34 | Carrington Mortgage ServicesOrange, CA | D | 55 | 135 | 34.1% | 6.63% |
| 35 | Core BankOmaha, NE | A | 52 | 492 | 3.9% | 6.25% |
| 36 | Paramount Residential Mortgage GroupCorona, CA | B | 48 | 154 | 4.6% | 6.50% |
| 37 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 47 | 356 | 1.4% | 6.49% |
| 38 | Nationstar MortgageCoppell, TX | C | 47 | 407 | 12.8% | 7.49% |
| 39 | Crosscountry MortgageCleveland, OH | B | 44 | 125 | 3.2% | 6.50% |
| 40 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 43 | 51 | 13.7% | 6.50% |
| 41 | American National BankOmaha, NE | C | 42 | 424 | 7.8% | 6.75% |
| 42 | Union Bank and TrustLincoln, NE | B | 42 | 1,835 | 10.0% | 6.50% |
| 43 | Equity Prime MortgageAtlanta, GA | D | 39 | 63 | 11.1% | 6.50% |
| 44 | First BankSt. Louis, MO | C | 38 | 409 | 2.4% | 6.38% |
| 45 | LowerColumbia, MD | C | 37 | 72 | 16.7% | 6.63% |
| 46 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 36 | 194 | 1.0% | 6.63% |
| 47 | Wells Fargo BankCharlotte, NC | B | 35 | 515 | 16.9% | 6.38% |
| 48 | Finance of America ReverseTulsa, OK | C | 32 | 32 | 3.1% | 6.13% |
| 49 | Village Capital & InvestmentHenderson, NV | C | 32 | 124 | 19.4% | 5.75% |
| 50 | Arbor BankOakland, IA | A | 29 | 419 | 0.5% | — |
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.