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 | United Shore Financial ServicesPlymouth, MI | B | 1,396 | 6,600 | 10.4% | 6.25% |
| 2 | Guild MortgageSan Diego, CA | A | 1,233 | 6,034 | 2.6% | 6.55% |
| 3 | Rocket MortgagePlymouth, MI | C | 890 | 6,649 | 16.3% | 6.75% |
| 4 | Freedom MortgageBoca Raton, FL | B | 721 | 1,717 | 9.3% | 6.13% |
| 5 | NewrezWilmington, DE | D | 559 | 2,945 | 12.9% | 6.63% |
| 6 | CMG MortgageSan Ramon, CA | A | 526 | 2,702 | 2.9% | 6.50% |
| 7 | Pennymac Loan ServicesWestlake Village, CA | C | 509 | 2,642 | 10.2% | 6.62% |
| 8 | Crosscountry MortgageCleveland, OH | B | 493 | 2,360 | 4.4% | 6.63% |
| 9 | Broker SolutionsTustin, CA | D | 450 | 1,344 | 7.1% | 6.88% |
| 10 | Fairway Independent MortgageMadison, WI | B | 388 | 1,613 | 5.5% | 6.63% |
| 11 | Mortgage ExpressPortland, OR | A | 355 | 1,480 | 3.5% | 6.50% |
| 12 | Loandepot.ComIrvine, CA | D | 352 | 1,991 | 15.5% | 6.75% |
| 13 | Mutual of Omaha MortgageSan Diego, CA | C | 325 | 709 | 17.6% | 6.25% |
| 14 | Nations Direct MortgageHenderson, NV | B | 302 | 1,728 | 1.2% | 6.49% |
| 15 | Kind LendingIrvine, CA | C | 279 | 1,233 | 20.8% | 6.63% |
| 16 | Lakeview Loan ServicingCoral Gables, FL | C | 277 | 854 | 47.9% | 6.50% |
| 17 | Summit FundingSacramento, CA | C | 263 | 1,044 | 3.6% | 6.63% |
| 18 | American Pacific MortgageRoseville, CA | C | 256 | 1,111 | 5.0% | 6.63% |
| 19 | Movement MortgageLancaster, SC | A | 246 | 1,364 | 4.7% | 6.75% |
| 20 | Lennar MortgageMiami, FL | A | 225 | 892 | 5.7% | 4.99% |
| 21 | AmeriSave MortgageSandy Springs, GA | D | 225 | 1,176 | 62.3% | 8.63% |
| 22 | Dhi Mortgage CompanyArlington, TX | B | 224 | 733 | 7.2% | 5.50% |
| 23 | American FinancingAurora, CO | D | 206 | 505 | 40.6% | 6.38% |
| 24 | Guaranteed RateChicago, IL | B | 205 | 1,750 | 3.1% | 6.58% |
| 25 | Union Home MortgageStrongsville, OH | B | 195 | 984 | 4.2% | 6.50% |
| 26 | Synergy One LendingSan Diego, CA | C | 187 | 747 | 5.2% | 6.50% |
| 27 | Directors MortgageLake Oswego, OR | B | 171 | 906 | 4.4% | 6.63% |
| 28 | Finance of America ReverseTulsa, OK | C | 159 | 223 | 9.4% | 6.38% |
| 29 | Onpoint Community Credit UnionPortland, OR | B | 154 | 10,710 | 15.7% | 7.50% |
| 30 | Longbridge FinancialMahwah, NJ | F | 142 | 190 | 15.3% | 6.38% |
| 31 | Paramount Residential Mortgage GroupCorona, CA | B | 134 | 833 | 1.3% | 6.38% |
| 32 | Equity Prime MortgageAtlanta, GA | D | 127 | 238 | 9.7% | 6.44% |
| 33 | Village Capital & InvestmentHenderson, NV | C | 125 | 356 | 21.1% | 5.75% |
| 34 | Carrington Mortgage ServicesOrange, CA | D | 118 | 404 | 47.5% | 6.63% |
| 35 | Evergreen Moneysource MortgageBellevue, WA | B | 117 | 638 | 0.8% | 6.88% |
| 36 | Sierra Pacific Mortgage CompanyFolsom, CA | C | 114 | 593 | 3.4% | 6.50% |
| 37 | American Financial NetworkBrea, CA | C | 108 | 226 | 5.8% | 6.63% |
| 38 | Plaza Home MortgageSan Diego, CA | C | 107 | 382 | 20.9% | 6.50% |
| 39 | Alameda MortgageWalnut Creek, CA | B | 106 | 390 | 3.3% | 6.50% |
| 40 | Unnamed lender 254900M2C4Q6DATP2889 | F | 102 | 176 | 23.9% | 6.06% |
| 41 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 101 | 245 | 3.7% | 6.38% |
| 42 | Sunflower BankDallas, TX | B | 99 | 462 | 4.1% | 6.49% |
| 43 | Nations LendingIndependence, OH | B | 98 | 364 | 1.9% | 6.50% |
| 44 | PHH MortgageMount Laurel, NJ | C | 96 | 290 | 7.6% | 5.99% |
| 45 | Umpqua BankLake Oswego, OR | C | 94 | 3,155 | 23.0% | 7.50% |
| 46 | LpmcSalem, OR | B | 93 | 329 | 2.4% | 6.50% |
| 47 | Banner BankWalla Walla, WA | D | 87 | 1,438 | 28.4% | 6.88% |
| 48 | The Loan StoreSan Francisco, CA | B | 85 | 1,078 | 7.6% | 6.63% |
| 49 | Clm MortgageHouston, TX | A | 81 | 355 | 1.7% | 5.49% |
| 50 | Premier Mortgage ResourcesMeridian, ID | B | 76 | 334 | 1.5% | 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.
