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 | 3,608 | 19,924 | 22.0% | 6.88% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 2,406 | 14,777 | 11.2% | 6.50% |
| 3 | NewrezWilmington, DE | D | 1,925 | 8,654 | 24.2% | 6.75% |
| 4 | Pennymac Loan ServicesWestlake Village, CA | C | 1,412 | 4,054 | 13.9% | 6.50% |
| 5 | Freedom MortgageBoca Raton, FL | B | 1,075 | 1,765 | 13.7% | 6.75% |
| 6 | Crosscountry MortgageCleveland, OH | B | 935 | 7,792 | 5.5% | 6.75% |
| 7 | Premium MortgageRochester, NY | A | 833 | 5,816 | 3.0% | 6.63% |
| 8 | Manufacturers and Traders TrustBuffalo, NY | C | 823 | 12,335 | 31.3% | 5.99% |
| 9 | Homestead FundingAlbany, NY | A | 773 | 4,860 | 2.1% | 6.49% |
| 10 | Nationwide Mortgage BankersLebanon, NJ | C | 743 | 2,912 | 3.0% | 6.75% |
| 11 | Broker SolutionsTustin, CA | D | 647 | 1,907 | 4.7% | 6.75% |
| 12 | Carrington Mortgage ServicesOrange, CA | D | 643 | 1,663 | 38.2% | 6.63% |
| 13 | Loandepot.ComIrvine, CA | D | 628 | 3,857 | 18.5% | 6.75% |
| 14 | Plaza Home MortgageSan Diego, CA | C | 559 | 2,124 | 34.2% | 6.75% |
| 15 | Contour MortgageDover, DE | B | 451 | 2,863 | 2.3% | 6.63% |
| 16 | Finance of America ReverseTulsa, OK | C | 450 | 538 | 10.0% | 6.50% |
| 17 | Movement MortgageLancaster, SC | A | 420 | 2,016 | 5.4% | 6.63% |
| 18 | Nationstar MortgageCoppell, TX | C | 370 | 1,519 | 16.4% | 6.63% |
| 19 | KeyBankCleveland, OH | C | 367 | 4,212 | 26.5% | 6.50% |
| 20 | United MortgageMelville, NY | C | 353 | 1,383 | 5.3% | 6.63% |
| 21 | Longbridge FinancialMahwah, NJ | F | 297 | 335 | 8.1% | 6.38% |
| 22 | East Coast CapitalMelville, NY | C | 287 | 1,277 | 5.3% | 6.75% |
| 23 | Reliance First CapitalWilmington, DE | C | 281 | 796 | 5.0% | 6.63% |
| 24 | JPMorgan Chase BankColumbus, OH | B | 278 | 14,735 | 11.7% | 6.38% |
| 25 | CMG MortgageSan Ramon, CA | A | 277 | 2,112 | 6.9% | 6.38% |
| 26 | AMERICU Credit UnionRome, NY | C | 273 | 3,444 | 24.1% | 6.13% |
| 27 | Everett FinancialDallas, | C | 267 | 1,053 | 6.8% | 6.63% |
| 28 | American FinancingAurora, CO | D | 251 | 457 | 56.2% | 6.13% |
| 29 | American Financial NetworkBrea, CA | C | 245 | 1,381 | 9.0% | 6.99% |
| 30 | Primelending, a PlainscapitalDallas, TX | A | 245 | 1,653 | 5.1% | 6.75% |
| 31 | Meadowbrook Financial Mortgage BankersWestbury, NY | D | 242 | 1,294 | 4.7% | 6.75% |
| 32 | 1st Priority MortgageWilliamsville, NY | A | 242 | 1,983 | 4.2% | 6.50% |
| 33 | Genesee Regional BankRochester, NY | B | 238 | 2,126 | 5.2% | 6.88% |
| 34 | The Federal Savings BankChicago, IL | C | 235 | 1,087 | 10.7% | 6.63% |
| 35 | PHH MortgageMount Laurel, NJ | C | 208 | 631 | 8.2% | 6.38% |
| 36 | Guaranteed RateChicago, IL | B | 205 | 2,146 | 4.4% | 6.63% |
| 37 | Sefcu ServicesAlbany, NY | A | 189 | 2,747 | 1.9% | 6.13% |
| 38 | Citizens BankProvidence, RI | C | 170 | 20,315 | 32.7% | 7.97% |
| 39 | Hunt MortgageBuffalo, NY | B | 168 | 1,118 | 5.5% | 6.63% |
| 40 | Fairway Independent MortgageMadison, WI | B | 165 | 1,013 | 6.7% | 6.63% |
| 41 | CliffcoUniondale, NY | C | 156 | 1,253 | 5.3% | 6.75% |
| 42 | United Northern Mortgage BankersLevittown, NY | C | 154 | 786 | 6.7% | 6.62% |
| 43 | Wells Fargo BankCharlotte, NC | B | 151 | 4,975 | 14.4% | 6.13% |
| 44 | Homebridge Financial ServicesIselin, NJ | B | 148 | 2,335 | 19.5% | 9.41% |
| 45 | Planet Home LendingMeriden, CT | B | 144 | 352 | 14.5% | 5.99% |
| 46 | Absolute Home MortgageFairfield, NJ | C | 135 | 414 | 6.3% | 6.93% |
| 47 | Interstate Home Loan CenterMelville, NY | C | 134 | 875 | 3.1% | 6.75% |
| 48 | Equity Prime MortgageAtlanta, GA | D | 132 | 216 | 14.4% | 6.63% |
| 49 | Flagstar BankHicksville, NY | C | 131 | 1,089 | 34.0% | 6.50% |
| 50 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 120 | 1,016 | 2.0% | 6.63% |
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.
