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 | 15,310 | 26,348 | 13.5% | 4.50% |
| 2 | Lennar MortgageMiami, FL | A | 11,891 | 21,959 | 20.5% | 4.50% |
| 3 | United Shore Financial ServicesPlymouth, MI | B | 10,723 | 56,491 | 11.0% | 6.25% |
| 4 | Rocket MortgagePlymouth, MI | C | 4,713 | 45,658 | 22.4% | 6.63% |
| 5 | Freedom MortgageBoca Raton, FL | B | 4,659 | 12,545 | 7.5% | 6.25% |
| 6 | CMG MortgageSan Ramon, CA | A | 4,143 | 15,978 | 3.9% | 6.50% |
| 7 | Loandepot.ComIrvine, CA | D | 3,682 | 14,655 | 23.5% | 5.99% |
| 8 | Broker SolutionsTustin, CA | D | 3,220 | 11,832 | 9.0% | 6.75% |
| 9 | Crosscountry MortgageCleveland, OH | B | 3,149 | 11,858 | 3.3% | 6.63% |
| 10 | Guild MortgageSan Diego, CA | A | 3,147 | 9,935 | 4.0% | 6.50% |
| 11 | Pennymac Loan ServicesWestlake Village, CA | C | 3,005 | 14,770 | 13.1% | 6.38% |
| 12 | Lakeview Loan ServicingCoral Gables, FL | C | 2,802 | 8,308 | 57.4% | 6.25% |
| 13 | Fairway Independent MortgageMadison, WI | B | 2,761 | 10,312 | 3.9% | 6.63% |
| 14 | Velocio MortgageSan Antonio, TX | A | 2,054 | 4,020 | 3.8% | 4.25% |
| 15 | Primelending, a PlainscapitalDallas, TX | A | 1,855 | 8,656 | 6.0% | 6.25% |
| 16 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 1,789 | 5,374 | 2.5% | 6.25% |
| 17 | Kind LendingIrvine, CA | C | 1,684 | 5,912 | 23.8% | 6.50% |
| 18 | Union Home MortgageStrongsville, OH | B | 1,656 | 4,601 | 5.9% | 6.38% |
| 19 | Kbhs Home LoansIrving, TX | B | 1,617 | 3,359 | 8.3% | 6.25% |
| 20 | NewrezWilmington, DE | D | 1,612 | 15,001 | 21.7% | 6.50% |
| 21 | SfmcPlano, TX | B | 1,602 | 4,321 | 4.6% | 6.13% |
| 22 | Everett FinancialDallas, | C | 1,597 | 5,075 | 4.2% | 6.75% |
| 23 | Pulte MortgageWilmington, DE | A | 1,551 | 4,549 | 14.6% | 4.99% |
| 24 | Guaranteed RateChicago, IL | B | 1,448 | 7,396 | 5.9% | 6.50% |
| 25 | Right Start MortgagePasadena, CA | D | 1,440 | 2,856 | 8.1% | 6.63% |
| 26 | Highlands Residential MortgageAllen, TX | B | 1,368 | 4,275 | 1.4% | 6.63% |
| 27 | Paramount Residential Mortgage GroupCorona, CA | B | 1,288 | 4,266 | 2.6% | 6.50% |
| 28 | Mortgage Financial ServicesBaton Rouge, LA | B | 1,284 | 2,460 | 1.2% | 6.50% |
| 29 | Equity Prime MortgageAtlanta, GA | D | 1,257 | 2,048 | 9.9% | 6.50% |
| 30 | American Portfolio MortgagePalatine, IL | C | 1,228 | 2,898 | 8.0% | 6.63% |
| 31 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 1,214 | 2,736 | 9.5% | 6.38% |
| 32 | M/i FinancialColumbus, OH | A | 1,194 | 2,534 | 3.4% | 4.88% |
| 33 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 1,187 | 3,057 | 9.2% | 6.63% |
| 34 | Securitynational MortgageSalt Lake City, UT | D | 1,106 | 2,225 | 9.4% | 6.75% |
| 35 | Inspire Home LoansNewport Beach, CA | B | 1,014 | 1,648 | 10.9% | 4.88% |
| 36 | Directions EquitySan Antonio, TX | A | 1,011 | 2,374 | 2.7% | 6.25% |
| 37 | Movement MortgageLancaster, SC | A | 995 | 3,450 | 3.6% | 6.63% |
| 38 | Plaza Home MortgageSan Diego, CA | C | 920 | 3,046 | 25.2% | 6.50% |
| 39 | American Pacific MortgageRoseville, CA | C | 872 | 2,702 | 8.4% | 6.50% |
| 40 | Village Capital & InvestmentHenderson, NV | C | 852 | 2,390 | 9.1% | 5.75% |
| 41 | Synergy One LendingSan Diego, CA | C | 830 | 1,944 | 7.7% | 6.63% |
| 42 | Mutual of Omaha MortgageSan Diego, CA | C | 818 | 1,987 | 16.9% | 6.38% |
| 43 | Interlinc Mortgage ServicesHouston, TX | B | 778 | 1,501 | 5.4% | 6.25% |
| 44 | Planet Home LendingMeriden, CT | B | 776 | 2,002 | 14.6% | 5.99% |
| 45 | Click n' CloseAddison, TX | C | 759 | 1,908 | 5.5% | 6.88% |
| 46 | Calcon Mutual MortgageSan Diego, CA | D | 758 | 1,597 | 20.7% | 6.25% |
| 47 | Gateway First BankJenks, OK | B | 756 | 3,016 | 4.3% | 6.63% |
| 48 | Plains Commerce BankSioux Falls, SD | B | 730 | 1,783 | 8.2% | 6.63% |
| 49 | Jet HomeloansJacksonville, FL | A | 719 | 2,833 | 4.3% | 5.50% |
| 50 | Taylor Morrison Home FundingMaitland, FL | A | 706 | 2,740 | 10.4% | 5.13% |
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.
