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 | 4,944 | 22,411 | 18.6% | 6.75% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 3,140 | 13,178 | 13.4% | 6.47% |
| 3 | Pennymac Loan ServicesWestlake Village, CA | C | 2,733 | 7,900 | 12.6% | 6.50% |
| 4 | Crosscountry MortgageCleveland, OH | B | 2,700 | 11,615 | 3.3% | 6.63% |
| 5 | Broker SolutionsTustin, CA | D | 2,459 | 5,201 | 9.4% | 6.75% |
| 6 | Freedom MortgageBoca Raton, FL | B | 2,446 | 4,510 | 12.4% | 6.25% |
| 7 | NewrezWilmington, DE | D | 1,696 | 6,444 | 20.7% | 6.75% |
| 8 | AmeriSave MortgageSandy Springs, GA | D | 1,341 | 3,943 | 62.6% | 7.63% |
| 9 | Loandepot.ComIrvine, CA | D | 1,166 | 4,111 | 26.0% | 6.75% |
| 10 | Movement MortgageLancaster, SC | A | 887 | 5,099 | 2.7% | 6.63% |
| 11 | Lakeview Loan ServicingCoral Gables, FL | C | 779 | 1,964 | 51.8% | 6.63% |
| 12 | Carrington Mortgage ServicesOrange, CA | D | 724 | 1,598 | 44.7% | 6.63% |
| 13 | Mutual of Omaha MortgageSan Diego, CA | C | 713 | 1,234 | 21.0% | 6.49% |
| 14 | Equity Prime MortgageAtlanta, GA | D | 712 | 1,055 | 10.8% | 6.50% |
| 15 | CMG MortgageSan Ramon, CA | A | 663 | 3,550 | 4.1% | 6.63% |
| 16 | Guaranteed RateChicago, IL | B | 630 | 5,160 | 4.3% | 6.58% |
| 17 | Guild MortgageSan Diego, CA | A | 628 | 4,032 | 2.3% | 6.63% |
| 18 | Prosperity Home MortgageFairfax, VA | A | 539 | 3,125 | 5.5% | 6.50% |
| 19 | Ixonia BankIxonia, WI | C | 430 | 1,395 | 2.9% | 6.75% |
| 20 | Nationstar MortgageCoppell, TX | C | 408 | 2,666 | 13.8% | 7.63% |
| 21 | Village Capital & InvestmentHenderson, NV | C | 405 | 899 | 25.8% | 5.75% |
| 22 | Plaza Home MortgageSan Diego, CA | C | 403 | 1,217 | 19.9% | 6.63% |
| 23 | American FinancingAurora, CO | D | 384 | 684 | 43.9% | 6.13% |
| 24 | Union Home MortgageStrongsville, OH | B | 379 | 2,400 | 3.7% | 6.50% |
| 25 | Unnamed lender 254900M2C4Q6DATP2889 | F | 373 | 651 | 17.4% | 6.13% |
| 26 | Allied Mortgage GroupBala Cynwyd, PA | C | 363 | 907 | 10.1% | 6.50% |
| 27 | Planet Home LendingMeriden, CT | B | 344 | 789 | 19.8% | 6.38% |
| 28 | Kind LendingIrvine, CA | C | 329 | 1,101 | 22.6% | 6.63% |
| 29 | Mortgage Research CenterColumbia, MO | C | 307 | 5,544 | 19.8% | 6.25% |
| 30 | NVR Mortgage FinanceReston, VA | B | 304 | 1,831 | 7.6% | 6.50% |
| 31 | Absolute Home MortgageFairfield, NJ | C | 290 | 584 | 3.8% | 6.75% |
| 32 | Mortgage AmericaWhitehall, PA | A | 272 | 1,700 | 1.7% | 6.50% |
| 33 | Citizens BankProvidence, RI | C | 270 | 18,256 | 28.1% | 7.65% |
| 34 | American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ | B | 263 | 675 | 2.7% | 6.63% |
| 35 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 252 | 739 | 8.0% | 6.50% |
| 36 | Guaranteed Rate AffinityChicago, IL | A | 250 | 1,831 | 2.6% | 6.58% |
| 37 | MilendAlpharetta, GA | F | 248 | 359 | 15.0% | 6.25% |
| 38 | Manufacturers and Traders TrustBuffalo, NY | C | 246 | 4,830 | 27.3% | 5.99% |
| 39 | GoodLeapRoseville, CA | C | 242 | 750 | 25.2% | 6.38% |
| 40 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 235 | 628 | 9.2% | 6.63% |
| 41 | Affordable Mortgage Advisors, LLC.Pittsburgh, PA | B | 222 | 1,293 | 1.0% | 6.63% |
| 42 | Fairway Independent MortgageMadison, WI | B | 222 | 1,542 | 3.8% | 6.63% |
| 43 | Emm LoansCherry Hill, NJ | B | 218 | 869 | 3.6% | 6.50% |
| 44 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 217 | 566 | 5.1% | 6.63% |
| 45 | Top Flite FinancialPlymouth, MI | D | 215 | 257 | 8.6% | 6.75% |
| 46 | PHH MortgageMount Laurel, NJ | C | 215 | 613 | 10.3% | 6.49% |
| 47 | The Federal Savings BankChicago, IL | C | 214 | 781 | 9.7% | 6.63% |
| 48 | American Financial NetworkBrea, CA | C | 209 | 539 | 9.8% | 6.75% |
| 49 | Primelending, a PlainscapitalDallas, TX | A | 207 | 950 | 4.3% | 6.50% |
| 50 | Wells Fargo BankCharlotte, NC | B | 203 | 2,914 | 16.7% | 6.38% |
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.
