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 | Fairway Independent MortgageMadison, WI | B | 198 | 497 | 3.0% | 6.40% |
| 2 | Rocket MortgagePlymouth, MI | C | 190 | 827 | 21.6% | 6.63% |
| 3 | Gate City BankFargo, ND | C | 182 | 3,106 | 11.3% | 6.65% |
| 4 | United Shore Financial ServicesPlymouth, MI | B | 173 | 881 | 7.5% | 6.25% |
| 5 | First International Bank & TrustWatford City, ND | B | 129 | 1,112 | 4.0% | 6.63% |
| 6 | Broker SolutionsTustin, CA | D | 109 | 203 | 14.8% | 6.88% |
| 7 | Freedom MortgageBoca Raton, FL | B | 94 | 238 | 16.8% | 6.25% |
| 8 | TOWN AND COUNTRY Credit UnionMinot, ND | B | 78 | 571 | 2.1% | 6.25% |
| 9 | Loandepot.ComIrvine, CA | D | 72 | 243 | 25.9% | 6.49% |
| 10 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 63 | 231 | 2.6% | 6.20% |
| 11 | NewrezWilmington, DE | D | 59 | 271 | 15.5% | 6.49% |
| 12 | AmeriSave MortgageSandy Springs, GA | D | 56 | 159 | 57.2% | 7.94% |
| 13 | Granite BankCold Spring, MN | B | 55 | 169 | 5.3% | 6.50% |
| 14 | Crosscountry MortgageCleveland, OH | B | 51 | 155 | 4.5% | 6.49% |
| 15 | CapitalBismarck, ND | C | 48 | 646 | 3.7% | 7.00% |
| 16 | First Colony MortgageOrem, UT | A | 46 | 94 | 5.3% | 6.25% |
| 17 | Pennymac Loan ServicesWestlake Village, CA | C | 46 | 246 | 15.9% | 6.31% |
| 18 | Dakota Community Bank & TrustHebron, ND | B | 45 | 351 | 4.6% | 6.25% |
| 19 | Guaranteed RateChicago, IL | B | 44 | 194 | 9.3% | 6.38% |
| 20 | First Community Credit UnionJamestown, ND | B | 43 | 675 | 7.1% | 6.49% |
| 21 | Lakeview Loan ServicingCoral Gables, FL | C | 41 | 99 | 45.5% | 6.50% |
| 22 | Valley MortgageFargo, ND | A | 37 | 191 | 3.1% | 6.23% |
| 23 | Mutual of Omaha MortgageSan Diego, CA | C | 35 | 72 | 19.4% | 6.19% |
| 24 | Guild MortgageSan Diego, CA | A | 32 | 142 | 1.4% | 6.38% |
| 25 | First Western Bank & TrustMinot, ND | B | 27 | 254 | 2.8% | 6.63% |
| 26 | American FinancingAurora, CO | D | 26 | 46 | 50.0% | 6.00% |
| 27 | Western Cooperative Credit UnionWilliston, ND | – | 26 | 107 | 2.8% | 6.25% |
| 28 | Presidential BankBethesda, MD | B | 25 | 96 | 1.0% | 6.99% |
| 29 | U.S. BankCincinnati, OH | D | 25 | 486 | 30.0% | 7.30% |
| 30 | Click n' CloseAddison, TX | C | 22 | 22 | 0.0% | 6.25% |
| 31 | V.i.p. MortgageScottsdale, AZ | B | 21 | 33 | 0.0% | 6.38% |
| 32 | Nationstar MortgageCoppell, TX | C | 21 | 111 | 18.9% | 7.56% |
| 33 | Bell BankFargo, ND | A | 21 | 806 | 7.7% | 6.99% |
| 34 | Equity Prime MortgageAtlanta, GA | D | 20 | 34 | 5.9% | 6.50% |
| 35 | Bravera BankDickinson, ND | A | 20 | 365 | 2.2% | — |
| 36 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 19 | 47 | 2.1% | 6.56% |
| 37 | Starion BankBismarck, ND | B | 17 | 214 | 2.8% | 6.50% |
| 38 | Mortgage Research CenterColumbia, MO | C | 17 | 500 | 13.6% | 6.25% |
| 39 | Nations LendingIndependence, OH | B | 16 | 44 | 0.0% | 6.50% |
| 40 | NextMortgageSan Ramon, CA | C | 16 | 91 | 1.1% | 6.99% |
| 41 | Cambria Financial GroupEden Prairie, MN | B | 15 | 92 | 0.0% | 6.50% |
| 42 | Village Capital & InvestmentHenderson, NV | C | 14 | 44 | 18.2% | 5.75% |
| 43 | Towne MortgageTroy, MI | B | 12 | 21 | 0.0% | 6.63% |
| 44 | Plaza Home MortgageSan Diego, CA | C | 12 | 26 | 42.3% | 6.25% |
| 45 | CMG MortgageSan Ramon, CA | A | 12 | 65 | 1.5% | 6.13% |
| 46 | Barrington Bank & Trust CompanyBarrington, IL | C | 12 | 85 | 7.1% | 6.25% |
| 47 | Western State BankDevils Lake, ND | B | 12 | 170 | 3.5% | 6.38% |
| 48 | Carrington Mortgage ServicesOrange, CA | D | 11 | 28 | 35.7% | 6.13% |
| 49 | A&D MortgageFort Lauderdale, FL | C | 11 | 39 | 5.1% | 6.31% |
| 50 | Plains Commerce BankSioux Falls, SD | B | 10 | 28 | 10.7% | 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.
