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 | 1,596 | 6,990 | 24.0% | 6.75% |
| 2 | First United Bank and TrustDurant, OK | C | 1,183 | 5,630 | 5.9% | 6.88% |
| 3 | Associated MortgageTulsa, OK | A | 1,099 | 3,213 | 0.7% | 6.50% |
| 4 | United Shore Financial ServicesPlymouth, MI | B | 935 | 3,735 | 13.8% | 6.13% |
| 5 | Broker SolutionsTustin, CA | D | 905 | 1,581 | 12.0% | 6.88% |
| 6 | Freedom MortgageBoca Raton, FL | B | 812 | 2,105 | 10.6% | 6.25% |
| 7 | Flat Branch MortgageColumbia, MO | A | 778 | 1,843 | 1.3% | 6.49% |
| 8 | Pennymac Loan ServicesWestlake Village, CA | C | 732 | 2,144 | 12.0% | 6.25% |
| 9 | Loandepot.ComIrvine, CA | D | 582 | 1,389 | 38.9% | 6.63% |
| 10 | Great Plains National BankElk City, OK | B | 567 | 1,838 | 3.3% | 6.50% |
| 11 | Arvest BankFayetteville, AR | C | 546 | 5,387 | 17.6% | 7.00% |
| 12 | Dhi Mortgage CompanyArlington, TX | B | 525 | 1,089 | 9.7% | 4.99% |
| 13 | AmeriSave MortgageSandy Springs, GA | D | 497 | 1,385 | 66.6% | 7.50% |
| 14 | Stride BankEnid, OK | A | 461 | 1,716 | 2.2% | 6.38% |
| 15 | The Mortgage LinkRockville, MD | B | 458 | 860 | 0.4% | 6.38% |
| 16 | Gateway First BankJenks, OK | B | 444 | 2,161 | 3.3% | 6.50% |
| 17 | BOKFTulsa, OK | D | 441 | 4,227 | 20.2% | 6.63% |
| 18 | Guild MortgageSan Diego, CA | A | 434 | 1,102 | 6.4% | 6.50% |
| 19 | NewrezWilmington, DE | D | 429 | 1,591 | 18.1% | 6.63% |
| 20 | Lennar MortgageMiami, FL | A | 376 | 774 | 11.4% | 5.25% |
| 21 | Carrington Mortgage ServicesOrange, CA | D | 341 | 869 | 44.0% | 6.63% |
| 22 | Canopy MortgageLindon, UT | B | 321 | 599 | 1.0% | 6.50% |
| 23 | Mld MortgageFlorham Park, NJ | A | 282 | 866 | 1.3% | 6.38% |
| 24 | Mutual of Omaha MortgageSan Diego, CA | C | 261 | 489 | 18.4% | 6.38% |
| 25 | Chickasaw Community BankOklahoma City, OK | D | 254 | 295 | 21.7% | 6.25% |
| 26 | Click n' CloseAddison, TX | C | 251 | 372 | 3.5% | 6.50% |
| 27 | BancFirstOklahoma City, OK | C | 249 | 4,799 | 10.0% | 7.38% |
| 28 | Waterstone MortgageBrookfield, WI | C | 248 | 683 | 1.3% | 6.50% |
| 29 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 242 | 348 | 7.8% | 6.50% |
| 30 | Lakeview Loan ServicingCoral Gables, FL | C | 227 | 536 | 50.0% | 6.50% |
| 31 | Equity Prime MortgageAtlanta, GA | D | 220 | 408 | 12.5% | 6.63% |
| 32 | Financial Concepts MortgageEdmond, OK | A | 216 | 590 | 1.4% | 6.50% |
| 33 | American FinancingAurora, CO | D | 198 | 344 | 54.1% | 6.19% |
| 34 | Crosscountry MortgageCleveland, OH | B | 187 | 514 | 6.2% | 6.75% |
| 35 | Better MortgageNew York, NY | F | 185 | 950 | 26.1% | 6.75% |
| 36 | Kind LendingIrvine, CA | C | 177 | 575 | 25.7% | 6.50% |
| 37 | Lendlo MortgageHouston, TX | A | 172 | 393 | 0.8% | 5.99% |
| 38 | Cornerstone Capital BankHouston, TX | A | 161 | 562 | 2.3% | 6.50% |
| 39 | CMG MortgageSan Ramon, CA | A | 153 | 496 | 3.8% | 6.00% |
| 40 | GoodLeapRoseville, CA | C | 153 | 527 | 26.6% | 6.63% |
| 41 | V.i.p. MortgageScottsdale, AZ | B | 147 | 373 | 2.4% | 6.49% |
| 42 | Guaranteed RateChicago, IL | B | 142 | 706 | 8.1% | 6.53% |
| 43 | Village Capital & InvestmentHenderson, NV | C | 141 | 538 | 17.7% | 5.75% |
| 44 | Firstar BankSallisaw, OK | B | 139 | 611 | 2.8% | 6.49% |
| 45 | Nationstar MortgageCoppell, TX | C | 137 | 797 | 16.1% | 7.13% |
| 46 | Mortgage Research CenterColumbia, MO | C | 130 | 4,012 | 18.8% | 6.25% |
| 47 | Towne MortgageTroy, MI | B | 126 | 218 | 4.1% | 6.25% |
| 48 | The Central Trust BankJefferson City, MO | C | 123 | 713 | 4.5% | 6.63% |
| 49 | Fairway Independent MortgageMadison, WI | B | 120 | 417 | 2.6% | 6.75% |
| 50 | Everett FinancialDallas, | C | 107 | 304 | 4.3% | 6.88% |
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.