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 | 1,974 | 6,913 | 11.4% | 6.31% |
| 2 | Guild MortgageSan Diego, CA | A | 1,728 | 5,533 | 2.6% | 6.50% |
| 3 | Freedom MortgageBoca Raton, FL | B | 1,034 | 2,502 | 6.4% | 6.13% |
| 4 | Dhi Mortgage CompanyArlington, TX | B | 955 | 2,549 | 6.8% | 4.99% |
| 5 | Broker SolutionsTustin, CA | D | 878 | 2,559 | 8.9% | 6.75% |
| 6 | Rocket MortgagePlymouth, MI | C | 843 | 6,889 | 15.4% | 6.88% |
| 7 | Crosscountry MortgageCleveland, OH | B | 695 | 2,251 | 4.6% | 6.75% |
| 8 | Loandepot.ComIrvine, CA | D | 636 | 2,484 | 18.2% | 6.99% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 625 | 3,188 | 12.5% | 6.62% |
| 10 | Guaranteed RateChicago, IL | B | 557 | 1,862 | 8.6% | 6.75% |
| 11 | Lennar MortgageMiami, FL | A | 507 | 2,107 | 7.1% | 4.75% |
| 12 | NewrezWilmington, DE | D | 388 | 1,716 | 21.0% | 6.63% |
| 13 | Mutual of Omaha MortgageSan Diego, CA | C | 366 | 862 | 17.5% | 6.38% |
| 14 | CMG MortgageSan Ramon, CA | A | 348 | 1,495 | 6.2% | 6.70% |
| 15 | Lakeview Loan ServicingCoral Gables, FL | C | 284 | 920 | 43.6% | 6.43% |
| 16 | American Financial NetworkBrea, CA | C | 279 | 546 | 8.2% | 6.63% |
| 17 | GoodLeapRoseville, CA | C | 273 | 1,102 | 22.9% | 6.38% |
| 18 | Kbhs Home LoansIrving, TX | B | 240 | 1,132 | 9.5% | 5.88% |
| 19 | Paramount Residential Mortgage GroupCorona, CA | B | 239 | 546 | 2.6% | 6.50% |
| 20 | Panorama Mortgage GroupLas Vegas, NV | C | 233 | 500 | 0.6% | 7.00% |
| 21 | Movement MortgageLancaster, SC | A | 229 | 911 | 6.2% | 6.88% |
| 22 | AmeriSave MortgageSandy Springs, GA | D | 219 | 1,272 | 57.1% | 8.50% |
| 23 | Kind LendingIrvine, CA | C | 197 | 627 | 26.5% | 6.63% |
| 24 | Carrington Mortgage ServicesOrange, CA | D | 188 | 500 | 38.4% | 6.25% |
| 25 | Inspire Home LoansNewport Beach, CA | B | 181 | 469 | 9.0% | 4.88% |
| 26 | Moria DevelopmentTempe, AZ | B | 174 | 342 | 3.5% | 7.25% |
| 27 | Securitynational MortgageSalt Lake City, UT | D | 172 | 543 | 9.0% | 6.75% |
| 28 | Finance of America ReverseTulsa, OK | C | 157 | 251 | 8.0% | 6.52% |
| 29 | Canopy MortgageLindon, UT | B | 154 | 441 | 1.8% | 6.63% |
| 30 | American Pacific MortgageRoseville, CA | C | 150 | 442 | 5.9% | 6.50% |
| 31 | Fairway Independent MortgageMadison, WI | B | 148 | 620 | 4.4% | 6.75% |
| 32 | Click n' CloseAddison, TX | C | 142 | 253 | 3.6% | 7.00% |
| 33 | Village Capital & InvestmentHenderson, NV | C | 138 | 411 | 17.8% | 5.75% |
| 34 | The Loan StoreSan Francisco, CA | B | 133 | 1,219 | 8.9% | 6.75% |
| 35 | PHH MortgageMount Laurel, NJ | C | 132 | 340 | 5.0% | 5.99% |
| 36 | American FinancingAurora, CO | D | 130 | 220 | 51.8% | 5.99% |
| 37 | Homeamerican MortgageDenver, CO | A | 130 | 482 | 8.1% | 4.50% |
| 38 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 122 | 476 | 8.2% | 6.75% |
| 39 | Equity Prime MortgageAtlanta, GA | D | 121 | 242 | 9.9% | 6.50% |
| 40 | Evergreen Moneysource MortgageBellevue, WA | B | 121 | 636 | 0.8% | 6.63% |
| 41 | Longbridge FinancialMahwah, NJ | F | 119 | 164 | 11.6% | 6.13% |
| 42 | Premier Mortgage ResourcesMeridian, ID | B | 117 | 472 | 1.5% | 6.50% |
| 43 | Nationstar MortgageCoppell, TX | C | 111 | 960 | 13.3% | 8.25% |
| 44 | Sun West Mortgage CompanyCerritos, CA | B | 106 | 265 | 11.7% | 6.22% |
| 45 | Planet Home LendingMeriden, CT | B | 104 | 272 | 22.1% | 5.99% |
| 46 | Pulte MortgageWilmington, DE | A | 102 | 1,251 | 17.5% | 5.63% |
| 47 | V.i.p. MortgageScottsdale, AZ | B | 101 | 286 | 1.8% | 6.75% |
| 48 | Iserve Residential LendingSan Diego, CA | C | 99 | 209 | 2.9% | 6.63% |
| 49 | Summit FundingSacramento, CA | C | 99 | 323 | 3.4% | 6.63% |
| 50 | Nova Financial & InvestmentTucson, AZ | C | 94 | 294 | 19.7% | 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.
