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 | 3,645 | 12,458 | 10.9% | 6.12% |
| 2 | Rocket MortgagePlymouth, MI | C | 3,394 | 16,503 | 17.3% | 6.50% |
| 3 | Freedom MortgageBoca Raton, FL | B | 2,614 | 5,493 | 8.0% | 6.25% |
| 4 | Pennymac Loan ServicesWestlake Village, CA | C | 2,051 | 5,331 | 11.2% | 6.00% |
| 5 | Broker SolutionsTustin, CA | D | 1,618 | 3,712 | 8.0% | 6.63% |
| 6 | CMG MortgageSan Ramon, CA | A | 1,453 | 5,643 | 2.9% | 6.50% |
| 7 | Mortgage Investors GroupNashville, TN | B | 1,310 | 4,454 | 3.5% | 6.50% |
| 8 | Crosscountry MortgageCleveland, OH | B | 1,164 | 3,778 | 4.8% | 6.63% |
| 9 | First Community MortgageMurfreesboro, TN | A | 1,142 | 3,154 | 6.0% | 6.38% |
| 10 | Loandepot.ComIrvine, CA | D | 1,125 | 3,056 | 21.4% | 5.99% |
| 11 | AmeriSave MortgageSandy Springs, GA | D | 994 | 2,980 | 60.9% | 7.13% |
| 12 | Dhi Mortgage CompanyArlington, TX | B | 988 | 3,078 | 9.2% | 5.75% |
| 13 | NewrezWilmington, DE | D | 955 | 3,780 | 16.8% | 6.25% |
| 14 | Lakeview Loan ServicingCoral Gables, FL | C | 798 | 1,706 | 44.8% | 6.25% |
| 15 | Guaranteed RateChicago, IL | B | 746 | 3,368 | 4.5% | 6.38% |
| 16 | Fairway Independent MortgageMadison, WI | B | 702 | 2,359 | 4.0% | 6.50% |
| 17 | Carrington Mortgage ServicesOrange, CA | D | 686 | 1,676 | 43.6% | 6.25% |
| 18 | Movement MortgageLancaster, SC | A | 653 | 3,282 | 3.8% | 6.63% |
| 19 | Equity Prime MortgageAtlanta, GA | D | 637 | 1,025 | 9.1% | 6.50% |
| 20 | Mutual of Omaha MortgageSan Diego, CA | C | 633 | 1,378 | 16.2% | 6.38% |
| 21 | NVR Mortgage FinanceReston, VA | B | 511 | 1,042 | 15.6% | 5.99% |
| 22 | FirstBankNashville, TN | C | 510 | 5,677 | 14.5% | 6.88% |
| 23 | Union Home MortgageStrongsville, OH | B | 482 | 1,849 | 4.8% | 6.38% |
| 24 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 424 | 970 | 8.3% | 6.75% |
| 25 | Regions BankBirmingham, AL | C | 424 | 11,247 | 36.5% | 4.99% |
| 26 | Primis MortgageRaleigh, NC | B | 402 | 1,402 | 2.4% | 6.49% |
| 27 | Stockton MortgageFrankfort, KY | D | 391 | 1,089 | 7.0% | 6.63% |
| 28 | American Pacific MortgageRoseville, CA | C | 381 | 1,144 | 6.1% | 6.63% |
| 29 | American Financial ResourcesParsippany-Troy Hills, NJ | B | 377 | 787 | 6.7% | 6.49% |
| 30 | Village Capital & InvestmentHenderson, NV | C | 360 | 1,140 | 20.2% | 5.75% |
| 31 | Leaders Credit UnionJackson, TN | C | 360 | 2,250 | 15.2% | 6.50% |
| 32 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 321 | 520 | 9.0% | 6.38% |
| 33 | Nationstar MortgageCoppell, TX | C | 308 | 2,124 | 13.1% | 7.38% |
| 34 | Community MortgageCordova, | A | 297 | 1,026 | 2.5% | 6.38% |
| 35 | MilendAlpharetta, GA | F | 296 | 438 | 12.3% | 6.25% |
| 36 | Kind LendingIrvine, CA | C | 295 | 987 | 26.7% | 6.50% |
| 37 | American FinancingAurora, CO | D | 285 | 573 | 44.3% | 6.13% |
| 38 | Click n' CloseAddison, TX | C | 281 | 623 | 5.3% | 6.88% |
| 39 | Unnamed lender 254900M2C4Q6DATP2889 | F | 274 | 518 | 17.0% | 6.13% |
| 40 | American Financial NetworkBrea, CA | C | 254 | 570 | 8.6% | 6.50% |
| 41 | Sun West Mortgage CompanyCerritos, CA | B | 246 | 457 | 14.9% | 6.00% |
| 42 | Longbridge FinancialMahwah, NJ | F | 245 | 245 | 4.9% | 5.88% |
| 43 | Mortgage Research CenterColumbia, MO | C | 236 | 6,568 | 17.3% | 6.25% |
| 44 | Everett FinancialDallas, | C | 232 | 710 | 5.9% | 6.75% |
| 45 | Guild MortgageSan Diego, CA | A | 223 | 857 | 4.0% | 6.63% |
| 46 | LowerColumbia, MD | C | 221 | 623 | 12.8% | 6.63% |
| 47 | GoodLeapRoseville, CA | C | 220 | 730 | 20.8% | 6.50% |
| 48 | Lennar MortgageMiami, FL | A | 215 | 870 | 10.1% | 4.88% |
| 49 | PHH MortgageMount Laurel, NJ | C | 214 | 625 | 6.7% | 6.13% |
| 50 | Cadence BankTupelo, MS | B | 212 | 2,573 | 16.9% | 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.
