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 | 1,580 | 7,819 | 18.0% | 6.63% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | 966 | 4,421 | 11.8% | 6.38% |
| 3 | Freedom MortgageBoca Raton, FL | B | 942 | 2,068 | 9.1% | 6.25% |
| 4 | Broker SolutionsTustin, CA | D | 855 | 1,720 | 10.9% | 6.88% |
| 5 | Pennymac Loan ServicesWestlake Village, CA | C | 835 | 2,298 | 12.7% | 6.38% |
| 6 | Guild MortgageSan Diego, CA | A | 585 | 2,875 | 4.0% | 6.63% |
| 7 | Fairway Independent MortgageMadison, WI | B | 499 | 3,754 | 4.1% | 6.63% |
| 8 | NewrezWilmington, DE | D | 485 | 2,776 | 16.3% | 6.50% |
| 9 | Loandepot.ComIrvine, CA | D | 443 | 1,672 | 24.4% | 6.99% |
| 10 | AmeriSave MortgageSandy Springs, GA | D | 375 | 1,208 | 61.3% | 8.25% |
| 11 | Crosscountry MortgageCleveland, OH | B | 373 | 1,553 | 4.8% | 6.75% |
| 12 | Mutual of Omaha MortgageSan Diego, CA | C | 314 | 671 | 22.7% | 6.49% |
| 13 | Lakeview Loan ServicingCoral Gables, FL | C | 285 | 820 | 44.9% | 6.69% |
| 14 | Ixonia BankIxonia, WI | C | 272 | 1,676 | 2.2% | 6.75% |
| 15 | Carrington Mortgage ServicesOrange, CA | D | 253 | 633 | 41.2% | 6.63% |
| 16 | First Colony MortgageOrem, UT | A | 250 | 1,235 | 4.4% | 6.50% |
| 17 | American Pacific MortgageRoseville, CA | C | 236 | 998 | 7.6% | 6.63% |
| 18 | Unnamed lender 254900M2C4Q6DATP2889 | F | 195 | 319 | 21.3% | 6.13% |
| 19 | Union Home MortgageStrongsville, OH | B | 194 | 801 | 6.1% | 6.63% |
| 20 | Nations LendingIndependence, OH | B | 183 | 1,065 | 2.8% | 6.63% |
| 21 | Prosperity Home MortgageFairfax, VA | A | 173 | 1,007 | 5.7% | 6.38% |
| 22 | Guaranteed RateChicago, IL | B | 173 | 1,797 | 5.4% | 6.53% |
| 23 | American FinancingAurora, CO | D | 167 | 321 | 45.2% | 6.13% |
| 24 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | 160 | 619 | 10.3% | 6.75% |
| 25 | Mortgage Research CenterColumbia, MO | C | 154 | 3,213 | 15.8% | 6.25% |
| 26 | Equity Prime MortgageAtlanta, GA | D | 153 | 235 | 12.3% | 6.63% |
| 27 | Village Capital & InvestmentHenderson, NV | C | 153 | 387 | 19.1% | 5.75% |
| 28 | CMG MortgageSan Ramon, CA | A | 148 | 876 | 3.9% | 6.75% |
| 29 | Nationstar MortgageCoppell, TX | C | 148 | 1,260 | 14.3% | 7.49% |
| 30 | Paramount Residential Mortgage GroupCorona, CA | B | 137 | 380 | 3.4% | 6.63% |
| 31 | Associated BankGreen Bay, WI | B | 127 | 7,451 | 23.7% | 6.88% |
| 32 | Planet Home LendingMeriden, CT | B | 125 | 421 | 18.8% | 6.38% |
| 33 | Thompson Kane & CompanyMadison, WI | A | 123 | 921 | 0.8% | 6.75% |
| 34 | Bank Five NineOconomowoc, WI | A | 115 | 1,584 | 4.0% | 6.50% |
| 35 | Movement MortgageLancaster, SC | A | 108 | 530 | 3.8% | 6.75% |
| 36 | Endeavor Capital, LLC.Chesterfield, MO | C | 104 | 154 | 3.3% | 6.38% |
| 37 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 104 | 284 | 6.3% | 6.88% |
| 38 | U.S. BankCincinnati, OH | D | 104 | 4,710 | 26.0% | 6.88% |
| 39 | Towne MortgageTroy, MI | B | 98 | 282 | 5.0% | 6.63% |
| 40 | American Financial NetworkBrea, CA | C | 97 | 231 | 7.4% | 6.50% |
| 41 | JPMorgan Chase BankColumbus, OH | B | 93 | 2,051 | 10.2% | 6.49% |
| 42 | LowerColumbia, MD | C | 90 | 314 | 12.7% | 6.63% |
| 43 | Top Flite FinancialPlymouth, MI | D | 89 | 107 | 11.2% | 6.75% |
| 44 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 87 | 258 | 5.8% | 6.63% |
| 45 | Primary Residential MortgageSalt Lake City, UT | C | 86 | 255 | 10.6% | 6.69% |
| 46 | BMO BankChicago, IL | F | 83 | 5,202 | 25.3% | 8.23% |
| 47 | Barrington Bank & Trust CompanyBarrington, IL | C | 82 | 1,492 | 4.4% | 6.49% |
| 48 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | 78 | 345 | 2.9% | 6.50% |
| 49 | PHH MortgageMount Laurel, NJ | C | 77 | 224 | 7.6% | 6.50% |
| 50 | Bell BankFargo, ND | A | 73 | 1,313 | 6.6% | 6.50% |
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.
