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 | 363 | 1,281 | 8.7% | 6.12% |
| 2 | Guild MortgageSan Diego, CA | A | 314 | 961 | 4.5% | 6.38% |
| 3 | Fairway Independent MortgageMadison, WI | B | 311 | 1,106 | 4.2% | 6.49% |
| 4 | Rocket MortgagePlymouth, MI | C | 291 | 1,567 | 17.1% | 6.50% |
| 5 | Freedom MortgageBoca Raton, FL | B | 218 | 512 | 11.1% | 6.19% |
| 6 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | 131 | 301 | 1.0% | 6.38% |
| 7 | Crosscountry MortgageCleveland, OH | B | 125 | 305 | 3.6% | 6.24% |
| 8 | Broker SolutionsTustin, CA | D | 105 | 226 | 8.9% | 6.88% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | 96 | 354 | 12.7% | 6.63% |
| 10 | Glacier BankKalispell, MT | D | 95 | 856 | 15.9% | 6.95% |
| 11 | Mutual of Omaha MortgageSan Diego, CA | C | 91 | 170 | 25.9% | 6.38% |
| 12 | Jonah Bank of WyomingCasper, WY | A | 84 | 496 | 2.6% | 6.25% |
| 13 | NewrezWilmington, DE | D | 67 | 317 | 13.6% | 6.13% |
| 14 | American Pacific MortgageRoseville, CA | C | 64 | 191 | 7.3% | 6.50% |
| 15 | AmeriSave MortgageSandy Springs, GA | D | 64 | 215 | 61.9% | 8.63% |
| 16 | Western VistaCheyenne, WY | C | 63 | 322 | 7.1% | 6.25% |
| 17 | Lakeview Loan ServicingCoral Gables, FL | C | 61 | 140 | 26.4% | 6.13% |
| 18 | Hilltop National BankCasper, WY | B | 61 | 263 | 3.4% | — |
| 19 | American FinancingAurora, CO | D | 51 | 122 | 26.2% | 6.50% |
| 20 | Kind LendingIrvine, CA | C | 49 | 200 | 19.0% | 6.50% |
| 21 | Loandepot.ComIrvine, CA | D | 48 | 221 | 22.2% | 6.99% |
| 22 | Carrington Mortgage ServicesOrange, CA | D | 47 | 128 | 40.6% | 6.25% |
| 23 | Securitynational MortgageSalt Lake City, UT | D | 45 | 110 | 0.9% | 6.38% |
| 24 | Plains Commerce BankSioux Falls, SD | B | 44 | 180 | 5.0% | 6.38% |
| 25 | Centennial LendingFirestone, CO | D | 41 | 123 | 29.3% | 6.25% |
| 26 | First Western Trust BankDenver, CO | A | 37 | 140 | 0.7% | 6.25% |
| 27 | Guaranteed RateChicago, IL | B | 37 | 222 | 4.1% | 6.38% |
| 28 | Pinnacle Bank - WyomingCody, WY | C | 35 | 318 | 6.3% | — |
| 29 | CMG MortgageSan Ramon, CA | A | 34 | 186 | 1.6% | 6.63% |
| 30 | Paramount Residential Mortgage GroupCorona, CA | B | 29 | 55 | 9.1% | 6.38% |
| 31 | Geneva FinancialChandler, AZ | C | 28 | 93 | 2.2% | 6.50% |
| 32 | Finance of America ReverseTulsa, OK | C | 25 | 25 | 16.0% | 6.25% |
| 33 | Primary Residential MortgageSalt Lake City, UT | C | 25 | 74 | 6.8% | 6.63% |
| 34 | Platte Valley BankTorrington, WY | B | 24 | 207 | 4.8% | — |
| 35 | Mortgage Research CenterColumbia, MO | C | 22 | 599 | 16.9% | 6.25% |
| 36 | Equity Prime MortgageAtlanta, GA | D | 21 | 41 | 14.6% | 6.50% |
| 37 | LoanUnited.comDuluth, GA | C | 21 | 46 | 6.5% | 6.31% |
| 38 | Wyoming Bank & TrustCheyenne, WY | – | 20 | 72 | 9.7% | — |
| 39 | U.S. BankCincinnati, OH | D | 20 | 373 | 34.1% | 7.06% |
| 40 | LowerColumbia, MD | C | 19 | 39 | 20.5% | 6.19% |
| 41 | First Interstate BankBillings, MT | D | 19 | 510 | 23.5% | 8.13% |
| 42 | Village Capital & InvestmentHenderson, NV | C | 17 | 74 | 18.9% | 5.75% |
| 43 | Plaza Home MortgageSan Diego, CA | C | 17 | 79 | 16.5% | 6.38% |
| 44 | Amerihome Mortgage CompanyThousand Oaks, CA | B | 16 | 28 | 3.6% | 6.38% |
| 45 | Nationstar MortgageCoppell, TX | C | 15 | 177 | 14.7% | 8.25% |
| 46 | Veritas FundingMidvale, UT | D | 13 | 20 | 15.0% | 6.19% |
| 47 | Granite BankCold Spring, MN | B | 13 | 37 | 5.4% | 6.50% |
| 48 | Union Home MortgageStrongsville, OH | B | 13 | 87 | 5.8% | 6.38% |
| 49 | Longbridge FinancialMahwah, NJ | F | 12 | 12 | 8.3% | 6.00% |
| 50 | PHH MortgageMount Laurel, NJ | C | 12 | 44 | 2.3% | 5.99% |
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.