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 | 2,278 | 13,770 | 10.0% | 6.13% |
| 2 | Guild MortgageSan Diego, CA | A | 1,474 | 8,056 | 3.4% | 6.63% |
| 3 | Rocket MortgagePlymouth, MI | C | 1,452 | 14,301 | 15.9% | 6.63% |
| 4 | CMG MortgageSan Ramon, CA | A | 1,267 | 7,817 | 3.1% | 6.63% |
| 5 | Crosscountry MortgageCleveland, OH | B | 1,216 | 6,903 | 3.1% | 6.63% |
| 6 | Freedom MortgageBoca Raton, FL | B | 1,206 | 3,654 | 7.2% | 6.00% |
| 7 | Movement MortgageLancaster, SC | A | 1,108 | 7,472 | 3.6% | 6.63% |
| 8 | Broker SolutionsTustin, CA | D | 861 | 3,328 | 8.6% | 6.75% |
| 9 | NewrezWilmington, DE | D | 835 | 5,849 | 12.9% | 6.63% |
| 10 | Pennymac Loan ServicesWestlake Village, CA | C | 750 | 5,091 | 10.9% | 6.50% |
| 11 | Fairway Independent MortgageMadison, WI | B | 636 | 3,386 | 4.4% | 6.63% |
| 12 | American Pacific MortgageRoseville, CA | C | 628 | 2,480 | 5.9% | 6.63% |
| 13 | Mutual of Omaha MortgageSan Diego, CA | C | 612 | 1,290 | 16.8% | 6.38% |
| 14 | Loandepot.ComIrvine, CA | D | 579 | 3,548 | 19.1% | 6.75% |
| 15 | Lakeview Loan ServicingCoral Gables, FL | C | 523 | 1,956 | 50.6% | 6.50% |
| 16 | Evergreen Moneysource MortgageBellevue, WA | B | 448 | 3,494 | 1.2% | 6.75% |
| 17 | AmeriSave MortgageSandy Springs, GA | D | 391 | 1,880 | 62.5% | 8.38% |
| 18 | Guaranteed RateChicago, IL | B | 386 | 3,153 | 3.7% | 6.50% |
| 19 | Dhi Mortgage CompanyArlington, TX | B | 368 | 2,173 | 6.3% | 5.50% |
| 20 | Canopy MortgageLindon, UT | B | 311 | 1,260 | 0.6% | 6.50% |
| 21 | 1st Security Bank of WashingtonMountlake Terrace, WA | B | 308 | 1,938 | 5.0% | 6.50% |
| 22 | Carrington Mortgage ServicesOrange, CA | D | 298 | 971 | 40.0% | 6.63% |
| 23 | Finance of America ReverseTulsa, OK | C | 289 | 446 | 7.2% | 6.50% |
| 24 | Cornerstone First MortgageSan Diego, CA | C | 273 | 1,079 | 1.2% | 6.63% |
| 25 | Synergy One LendingSan Diego, CA | C | 242 | 897 | 8.6% | 6.63% |
| 26 | Premier Mortgage ResourcesMeridian, ID | B | 239 | 934 | 2.0% | 6.63% |
| 27 | Primelending, a PlainscapitalDallas, TX | A | 223 | 956 | 3.6% | 6.49% |
| 28 | American FinancingAurora, CO | D | 218 | 549 | 45.5% | 6.43% |
| 29 | Click n' CloseAddison, TX | C | 217 | 344 | 6.4% | 6.75% |
| 30 | Sunflower BankDallas, TX | B | 202 | 959 | 3.7% | 6.49% |
| 31 | Paramount Residential Mortgage GroupCorona, CA | B | 198 | 986 | 2.6% | 6.50% |
| 32 | Village Capital & InvestmentHenderson, NV | C | 196 | 618 | 19.1% | 5.75% |
| 33 | Kind LendingIrvine, CA | C | 181 | 1,124 | 22.5% | 6.63% |
| 34 | Lennar MortgageMiami, FL | A | 175 | 940 | 3.4% | 4.88% |
| 35 | Equity Prime MortgageAtlanta, GA | D | 172 | 373 | 8.6% | 6.63% |
| 36 | Cornerstone Capital BankHouston, TX | A | 167 | 1,626 | 1.1% | 6.50% |
| 37 | PHH MortgageMount Laurel, NJ | C | 164 | 503 | 6.4% | 5.99% |
| 38 | Nationstar MortgageCoppell, TX | C | 155 | 2,056 | 14.6% | 8.38% |
| 39 | LowerColumbia, MD | C | 151 | 587 | 11.6% | 6.50% |
| 40 | Longbridge FinancialMahwah, NJ | F | 150 | 234 | 13.7% | 6.38% |
| 41 | Summit FundingSacramento, CA | C | 142 | 405 | 4.0% | 6.81% |
| 42 | Envoy MortgageHouston, TX | D | 142 | 535 | 6.0% | 6.63% |
| 43 | Planet Home LendingMeriden, CT | B | 122 | 381 | 17.6% | 5.99% |
| 44 | IntelliloanIrvine, CA | C | 117 | 182 | 7.1% | 6.13% |
| 45 | Banner BankWalla Walla, WA | D | 117 | 3,318 | 28.3% | 7.00% |
| 46 | Plaza Home MortgageSan Diego, CA | C | 111 | 300 | 27.3% | 6.38% |
| 47 | Nova Financial & InvestmentTucson, AZ | C | 111 | 368 | 6.3% | 6.49% |
| 48 | NFMLinthicum, MD | A | 109 | 1,000 | 2.0% | 6.63% |
| 49 | Nations Direct MortgageHenderson, NV | B | 107 | 530 | 2.6% | 6.49% |
| 50 | Plains Commerce BankSioux Falls, SD | B | 103 | 402 | 7.2% | 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.
