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 | 5,696 | 23,165 | 18.5% | 6.63% |
| 2 | Crosscountry MortgageCleveland, OH | B | 5,036 | 16,066 | 3.1% | 6.75% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 3,701 | 14,626 | 13.1% | 6.45% |
| 4 | Freedom MortgageBoca Raton, FL | B | 2,902 | 5,665 | 8.8% | 6.25% |
| 5 | Broker SolutionsTustin, CA | D | 2,558 | 4,499 | 9.2% | 6.99% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 2,302 | 5,767 | 11.8% | 6.49% |
| 7 | Loandepot.ComIrvine, CA | D | 1,853 | 5,699 | 20.7% | 6.75% |
| 8 | The Huntington National BankColumbus, OH | D | 1,820 | 42,683 | 25.8% | 7.59% |
| 9 | NewrezWilmington, DE | D | 1,597 | 5,795 | 19.0% | 6.75% |
| 10 | Union Home MortgageStrongsville, OH | B | 1,530 | 7,114 | 4.6% | 6.75% |
| 11 | AmeriSave MortgageSandy Springs, GA | D | 1,467 | 3,871 | 62.7% | 7.50% |
| 12 | Mutual of Omaha MortgageSan Diego, CA | C | 939 | 2,023 | 14.6% | 6.63% |
| 13 | Carrington Mortgage ServicesOrange, CA | D | 936 | 2,059 | 42.2% | 6.63% |
| 14 | NFMLinthicum, MD | A | 912 | 4,370 | 1.1% | 6.75% |
| 15 | Guaranteed RateChicago, IL | B | 832 | 4,955 | 3.9% | 6.58% |
| 16 | Dhi Mortgage CompanyArlington, TX | B | 830 | 1,465 | 15.2% | 4.75% |
| 17 | NVR Mortgage FinanceReston, VA | B | 789 | 2,433 | 15.8% | 6.25% |
| 18 | LowerColumbia, MD | C | 765 | 2,641 | 8.1% | 6.63% |
| 19 | Fairway Independent MortgageMadison, WI | B | 744 | 3,509 | 3.4% | 6.75% |
| 20 | Equity Prime MortgageAtlanta, GA | D | 673 | 1,062 | 10.3% | 6.63% |
| 21 | Fifth Third BankCincinnati, OH | D | 648 | 21,939 | 25.6% | 7.50% |
| 22 | Ixonia BankIxonia, WI | C | 591 | 1,415 | 2.1% | 6.88% |
| 23 | Lakeview Loan ServicingCoral Gables, FL | C | 591 | 1,486 | 46.9% | 6.63% |
| 24 | Ruoff Mortgage CompanyFort Wayne, IN | A | 573 | 2,464 | 4.8% | 6.75% |
| 25 | Synergy One LendingSan Diego, CA | C | 520 | 1,908 | 5.7% | 6.75% |
| 26 | American FinancingAurora, CO | D | 513 | 845 | 44.0% | 6.38% |
| 27 | Polaris Home FundingGrandville, MI | C | 499 | 1,021 | 6.9% | 6.75% |
| 28 | Liberty Home MortgageStrongsville, OH | D | 493 | 1,099 | 5.1% | 6.88% |
| 29 | Village Capital & InvestmentHenderson, NV | C | 481 | 1,152 | 21.9% | 5.75% |
| 30 | Nationstar MortgageCoppell, TX | C | 467 | 2,660 | 14.4% | 7.43% |
| 31 | GoodLeapRoseville, CA | C | 446 | 1,281 | 22.2% | 6.50% |
| 32 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 420 | 649 | 8.0% | 6.50% |
| 33 | Unnamed lender 254900M2C4Q6DATP2889 | F | 418 | 699 | 21.2% | 6.25% |
| 34 | Paramount Residential Mortgage GroupCorona, CA | B | 410 | 1,017 | 3.9% | 6.75% |
| 35 | JPMorgan Chase BankColumbus, OH | B | 392 | 6,671 | 10.3% | 6.50% |
| 36 | DAS Acquisition CompanySt. Louis, MO | B | 388 | 1,131 | 2.3% | 6.75% |
| 37 | Union Savings BankCincinnati, OH | A | 388 | 6,982 | 5.1% | 6.75% |
| 38 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 380 | 891 | 1.4% | 6.75% |
| 39 | Rapid MortgageCincinnati, OH | B | 354 | 1,044 | 0.4% | 6.88% |
| 40 | Click n' CloseAddison, TX | C | 342 | 1,089 | 6.2% | 6.75% |
| 41 | American Pacific MortgageRoseville, CA | C | 338 | 1,223 | 10.3% | 6.88% |
| 42 | First Community MortgageMurfreesboro, TN | A | 337 | 1,518 | 3.8% | 6.63% |
| 43 | MilendAlpharetta, GA | F | 336 | 469 | 11.1% | 6.13% |
| 44 | Equity ResourcesNewark, OH | C | 314 | 1,522 | 8.2% | 6.63% |
| 45 | Mortgage Research CenterColumbia, MO | C | 312 | 6,947 | 18.3% | 6.25% |
| 46 | Howard Hanna Financial ServicesPittsburgh, PA | A | 282 | 2,100 | 0.9% | 6.63% |
| 47 | Nations LendingIndependence, OH | B | 267 | 792 | 4.8% | 6.75% |
| 48 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 263 | 618 | 4.4% | 6.63% |
| 49 | U.S. BankCincinnati, OH | D | 262 | 8,623 | 38.0% | 7.60% |
| 50 | Primelending, a PlainscapitalDallas, TX | A | 260 | 1,466 | 4.5% | 6.75% |
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.
