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 | 4,762 | 25,109 | 16.0% | 6.63% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 3,910 | 18,884 | 11.4% | 6.13% |
| 3 | Freedom MortgageBoca Raton, FL | B | 3,272 | 9,632 | 7.1% | 6.13% |
| 4 | Dhi Mortgage CompanyArlington, TX | B | 2,828 | 7,548 | 13.8% | 5.13% |
| 5 | Loandepot.ComIrvine, CA | D | 2,436 | 6,867 | 23.2% | 6.13% |
| 6 | Broker SolutionsTustin, CA | D | 2,269 | 4,708 | 9.1% | 6.75% |
| 7 | Crosscountry MortgageCleveland, OH | B | 2,221 | 6,790 | 2.9% | 6.58% |
| 8 | Movement MortgageLancaster, SC | A | 2,141 | 11,091 | 2.6% | 6.63% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 2,101 | 7,253 | 9.5% | 6.00% |
| 10 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 1,786 | 7,671 | 1.1% | 6.63% |
| 11 | AmeriSave MortgageSandy Springs, GA | D | 1,565 | 4,743 | 59.2% | 7.50% |
| 12 | NewrezWilmington, DE | D | 1,477 | 7,099 | 16.6% | 6.25% |
| 13 | NVR Mortgage FinanceReston, VA | B | 968 | 2,595 | 17.2% | 6.13% |
| 14 | Mutual of Omaha MortgageSan Diego, CA | C | 937 | 2,193 | 14.0% | 6.38% |
| 15 | Carrington Mortgage ServicesOrange, CA | D | 884 | 2,120 | 40.7% | 6.50% |
| 16 | Guaranteed RateChicago, IL | B | 805 | 4,625 | 5.5% | 6.53% |
| 17 | Lakeview Loan ServicingCoral Gables, FL | C | 732 | 2,283 | 49.2% | 6.25% |
| 18 | Fairway Independent MortgageMadison, WI | B | 730 | 3,893 | 4.0% | 6.63% |
| 19 | Equity Prime MortgageAtlanta, GA | D | 721 | 1,290 | 9.4% | 6.63% |
| 20 | Guild MortgageSan Diego, CA | A | 608 | 2,711 | 3.0% | 6.50% |
| 21 | Village Capital & InvestmentHenderson, NV | C | 580 | 2,083 | 20.7% | 5.75% |
| 22 | Lennar MortgageMiami, FL | A | 560 | 3,467 | 8.7% | 5.38% |
| 23 | Union Home MortgageStrongsville, OH | B | 549 | 2,766 | 3.8% | 6.56% |
| 24 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 533 | 983 | 5.4% | 6.38% |
| 25 | MilendAlpharetta, GA | F | 517 | 757 | 13.2% | 6.38% |
| 26 | American Security MortgageCharlotte, NC | A | 516 | 3,413 | 0.8% | 6.38% |
| 27 | Unnamed lender 254900M2C4Q6DATP2889 | F | 508 | 1,014 | 18.4% | 6.13% |
| 28 | Alcova MortgageRoanoke, VA | A | 482 | 2,144 | 1.8% | 6.63% |
| 29 | Primis MortgageRaleigh, NC | B | 446 | 1,215 | 2.4% | 6.62% |
| 30 | American FinancingAurora, CO | D | 420 | 774 | 44.4% | 6.00% |
| 31 | LowerColumbia, MD | C | 407 | 1,624 | 7.9% | 6.50% |
| 32 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 384 | 763 | 12.7% | 6.50% |
| 33 | Velocio MortgageSan Antonio, TX | A | 381 | 721 | 3.2% | 4.99% |
| 34 | Nationstar MortgageCoppell, TX | C | 379 | 2,824 | 13.0% | 7.25% |
| 35 | Highlands Residential MortgageAllen, TX | B | 358 | 1,583 | 3.4% | 6.63% |
| 36 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 351 | 490 | 9.6% | 6.38% |
| 37 | Truist BankCharlotte, NC | C | 346 | 14,364 | 30.3% | 6.50% |
| 38 | Finance of America ReverseTulsa, OK | C | 328 | 364 | 9.1% | 6.13% |
| 39 | NFMLinthicum, MD | A | 315 | 1,412 | 1.5% | 6.49% |
| 40 | Vanderbilt Mortgage and FinanceMaryville, TN | F | 303 | 15,008 | 38.0% | 7.75% |
| 41 | T2 FinancialWesterville, OH | B | 302 | 1,006 | 6.5% | 6.63% |
| 42 | GoodLeapRoseville, CA | C | 291 | 990 | 20.3% | 6.38% |
| 43 | Click n' CloseAddison, TX | C | 284 | 608 | 4.6% | 6.88% |
| 44 | Mortgage Research CenterColumbia, MO | C | 279 | 10,029 | 17.7% | 6.25% |
| 45 | Kbhs Home LoansIrving, TX | B | 278 | 748 | 6.6% | 5.88% |
| 46 | Inspire Home LoansNewport Beach, CA | B | 274 | 591 | 8.5% | 6.06% |
| 47 | Cornerstone Capital BankHouston, TX | A | 273 | 1,081 | 1.5% | 6.25% |
| 48 | Top Flite FinancialPlymouth, MI | D | 270 | 335 | 9.6% | 6.88% |
| 49 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 266 | 465 | 0.9% | 6.62% |
| 50 | Sun West Mortgage CompanyCerritos, CA | B | 259 | 503 | 13.3% | 5.98% |
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.
