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 | Dhi Mortgage CompanyArlington, TX | B | 2,837 | 6,184 | 17.4% | 4.99% |
| 2 | Rocket MortgagePlymouth, MI | C | 2,497 | 13,403 | 16.8% | 6.63% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 2,479 | 9,236 | 12.8% | 6.13% |
| 4 | Freedom MortgageBoca Raton, FL | B | 2,082 | 5,296 | 7.3% | 6.25% |
| 5 | Loandepot.ComIrvine, CA | D | 1,483 | 4,060 | 22.1% | 5.99% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | 1,428 | 4,524 | 11.3% | 6.25% |
| 7 | Broker SolutionsTustin, CA | D | 1,373 | 2,738 | 7.4% | 6.75% |
| 8 | Crosscountry MortgageCleveland, OH | B | 1,172 | 3,653 | 4.0% | 6.63% |
| 9 | Lennar MortgageMiami, FL | A | 1,101 | 3,802 | 10.6% | 6.13% |
| 10 | Guild MortgageSan Diego, CA | A | 1,044 | 3,859 | 4.8% | 6.63% |
| 11 | Movement MortgageLancaster, SC | A | 930 | 4,069 | 3.1% | 6.56% |
| 12 | NewrezWilmington, DE | D | 887 | 3,749 | 18.9% | 6.50% |
| 13 | NVR Mortgage FinanceReston, VA | B | 868 | 2,220 | 21.0% | 6.13% |
| 14 | AmeriSave MortgageSandy Springs, GA | D | 702 | 2,254 | 57.4% | 7.88% |
| 15 | LowerColumbia, MD | C | 645 | 2,142 | 7.4% | 6.63% |
| 16 | Lakeview Loan ServicingCoral Gables, FL | C | 552 | 1,545 | 44.6% | 6.50% |
| 17 | Mutual of Omaha MortgageSan Diego, CA | C | 542 | 1,130 | 16.6% | 6.63% |
| 18 | Vanderbilt Mortgage and FinanceMaryville, TN | F | 539 | 12,272 | 40.7% | 6.50% |
| 19 | Ameris BankAtlanta, GA | B | 527 | 2,512 | 7.8% | 6.49% |
| 20 | Primelending, a PlainscapitalDallas, TX | A | 493 | 2,046 | 4.0% | 6.38% |
| 21 | Equity Prime MortgageAtlanta, GA | D | 487 | 799 | 12.0% | 6.63% |
| 22 | Fairway Independent MortgageMadison, WI | B | 483 | 1,768 | 5.2% | 6.75% |
| 23 | First Heritage MortgageFairfax, VA | A | 481 | 1,619 | 3.0% | 6.25% |
| 24 | Carrington Mortgage ServicesOrange, CA | D | 470 | 1,168 | 45.7% | 6.63% |
| 25 | Jet HomeloansJacksonville, FL | A | 412 | 972 | 6.1% | 4.99% |
| 26 | Guaranteed RateChicago, IL | B | 404 | 1,988 | 6.2% | 6.58% |
| 27 | Atlantic Bay Mortgage GroupVirginia Beach, VA | A | 389 | 1,301 | 3.2% | 6.62% |
| 28 | Fbc MortgageOrlando, FL | B | 384 | 988 | 7.2% | 5.49% |
| 29 | CMG MortgageSan Ramon, CA | A | 384 | 1,895 | 6.1% | 6.63% |
| 30 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 373 | 670 | 7.6% | 6.38% |
| 31 | Southwest Stage FundingChandler, AZ | F | 348 | 1,183 | 8.6% | 7.75% |
| 32 | American Financial NetworkBrea, CA | C | 312 | 809 | 11.4% | 6.63% |
| 33 | American Pacific MortgageRoseville, CA | C | 306 | 703 | 10.1% | 6.75% |
| 34 | Village Capital & InvestmentHenderson, NV | C | 301 | 1,095 | 20.5% | 5.75% |
| 35 | Resource Financial ServicesColumbia, SC | B | 276 | 905 | 2.0% | 6.38% |
| 36 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 274 | 485 | 10.7% | 6.63% |
| 37 | Calcon Mutual MortgageSan Diego, CA | D | 264 | 574 | 11.3% | 6.13% |
| 38 | American FinancingAurora, CO | D | 254 | 460 | 47.4% | 5.99% |
| 39 | 1st Signature LendingIndianapolis, IN | C | 252 | 321 | 5.3% | 5.88% |
| 40 | Nationstar MortgageCoppell, TX | C | 248 | 1,807 | 12.3% | 7.50% |
| 41 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 237 | 307 | 8.8% | 6.38% |
| 42 | Unnamed lender 894500CFQPXSLHK0OK52 | B | 232 | 760 | 0.5% | 6.63% |
| 43 | Unnamed lender 254900M2C4Q6DATP2889 | F | 228 | 400 | 17.5% | 6.25% |
| 44 | Nation One MortgageMarlton, NJ | C | 228 | 448 | 1.6% | 6.50% |
| 45 | T2 FinancialWesterville, OH | B | 220 | 791 | 9.0% | 6.75% |
| 46 | Velocio MortgageSan Antonio, TX | A | 219 | 493 | 3.7% | 4.99% |
| 47 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 219 | 711 | 2.4% | 6.62% |
| 48 | GoodLeapRoseville, CA | C | 214 | 509 | 20.6% | 5.99% |
| 49 | MilendAlpharetta, GA | F | 193 | 282 | 15.6% | 6.25% |
| 50 | First Federal BankLake City, FL | B | 189 | 504 | 8.7% | 6.25% |
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.
