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 | 420 | 2,488 | 8.8% | 6.50% |
| 2 | Rocket MortgagePlymouth, MI | C | 397 | 3,090 | 17.0% | 6.75% |
| 3 | CMG MortgageSan Ramon, CA | A | 345 | 3,499 | 2.5% | 6.63% |
| 4 | Freedom MortgageBoca Raton, FL | B | 318 | 729 | 8.4% | 6.25% |
| 5 | Broker SolutionsTustin, CA | D | 207 | 585 | 9.1% | 6.75% |
| 6 | AmeriSave MortgageSandy Springs, GA | D | 159 | 594 | 61.3% | 7.63% |
| 7 | Crosscountry MortgageCleveland, OH | B | 158 | 965 | 3.5% | 6.79% |
| 8 | Pennymac Loan ServicesWestlake Village, CA | C | 146 | 680 | 11.8% | 6.63% |
| 9 | NewrezWilmington, DE | D | 140 | 836 | 17.1% | 6.75% |
| 10 | Loandepot.ComIrvine, CA | D | 131 | 936 | 14.6% | 6.75% |
| 11 | Lakeview Loan ServicingCoral Gables, FL | C | 130 | 419 | 40.1% | 6.25% |
| 12 | Fairway Independent MortgageMadison, WI | B | 130 | 944 | 6.0% | 6.63% |
| 13 | Guild MortgageSan Diego, CA | A | 128 | 970 | 5.5% | 6.63% |
| 14 | Emm LoansCherry Hill, NJ | B | 113 | 928 | 1.3% | 6.63% |
| 15 | Mutual of Omaha MortgageSan Diego, CA | C | 93 | 225 | 16.0% | 6.38% |
| 16 | Carrington Mortgage ServicesOrange, CA | D | 63 | 184 | 36.4% | 7.06% |
| 17 | Movement MortgageLancaster, SC | A | 55 | 444 | 4.3% | 6.63% |
| 18 | Total Mortgage ServicesMilford, CT | B | 53 | 401 | 3.7% | 6.63% |
| 19 | Guaranteed RateChicago, IL | B | 52 | 700 | 4.6% | 6.55% |
| 20 | Longbridge FinancialMahwah, NJ | F | 51 | 67 | 3.0% | 6.25% |
| 21 | Harborone MortgageBrockton, MA | B | 46 | 432 | 6.0% | 6.63% |
| 22 | Nationstar MortgageCoppell, TX | C | 45 | 468 | 13.3% | 7.38% |
| 23 | Northpoint MortgageSturbridge, MA | A | 42 | 317 | 4.4% | 6.50% |
| 24 | Everett FinancialDallas, | C | 39 | 174 | 2.9% | 6.63% |
| 25 | Finance of America ReverseTulsa, OK | C | 38 | 38 | 15.8% | 6.38% |
| 26 | Equity Prime MortgageAtlanta, GA | D | 38 | 53 | 5.7% | 6.44% |
| 27 | PHH MortgageMount Laurel, NJ | C | 37 | 106 | 16.0% | 5.99% |
| 28 | American FinancingAurora, CO | D | 35 | 83 | 42.2% | 6.00% |
| 29 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 35 | 286 | 4.2% | 6.63% |
| 30 | Embrace Home LoansMiddletown, RI | A | 34 | 174 | 1.7% | 6.63% |
| 31 | Village Capital & InvestmentHenderson, NV | C | 30 | 84 | 19.1% | 5.75% |
| 32 | The Camden National BankCamden, ME | A | 30 | 556 | 17.8% | 6.75% |
| 33 | Luminate BankMinneapolis, MN | B | 29 | 233 | 2.6% | 6.88% |
| 34 | Primelending, a PlainscapitalDallas, TX | A | 28 | 172 | 6.4% | 6.63% |
| 35 | Envoy MortgageHouston, TX | D | 28 | 265 | 2.6% | 6.63% |
| 36 | Waterstone MortgageBrookfield, WI | C | 27 | 149 | 4.0% | 6.88% |
| 37 | LoanUnited.comDuluth, GA | C | 23 | 50 | 4.0% | 5.63% |
| 38 | Mortgage Equity PartnersLynnfield, MA | B | 23 | 112 | 4.5% | 6.63% |
| 39 | Better MortgageNew York, NY | F | 23 | 245 | 31.4% | 8.13% |
| 40 | LowerColumbia, MD | C | 21 | 85 | 9.4% | 6.63% |
| 41 | Citizens BankProvidence, RI | C | 20 | 4,969 | 24.3% | 7.40% |
| 42 | Sun West Mortgage CompanyCerritos, CA | B | 19 | 42 | 11.9% | 6.81% |
| 43 | Home Loan Investment BankWarwick, RI | F | 19 | 49 | 12.2% | 6.49% |
| 44 | Traditional Mortgage AcceptanceBaltimore, MD | B | 18 | 19 | 10.5% | 5.69% |
| 45 | American Pacific MortgageRoseville, CA | C | 18 | 34 | 17.7% | 6.50% |
| 46 | Kind LendingIrvine, CA | C | 17 | 71 | 38.0% | 7.13% |
| 47 | Mortgage Research CenterColumbia, MO | C | 17 | 806 | 17.9% | 6.13% |
| 48 | Nations LendingIndependence, OH | B | 16 | 24 | 0.0% | 6.25% |
| 49 | Plaza Home MortgageSan Diego, CA | C | 15 | 47 | 27.7% | 6.13% |
| 50 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 15 | 54 | 3.7% | 6.25% |
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.
