Ranked by the dollar value of loans originated. Volume is not quality, but it does tell you who is set up to close at scale.
| # | Lender | Grade | Dollar volume | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial ServicesPlymouth, MI | B | $31B | 79,261 | 12.6% | 6.49% |
| 2 | Rocket MortgagePlymouth, MI | C | $19B | 58,925 | 17.6% | 6.75% |
| 3 | JPMorgan Chase BankColumbus, OH | B | $19B | 22,048 | 9.7% | 6.13% |
| 4 | Wells Fargo BankCharlotte, NC | B | $15B | 15,826 | 10.8% | 5.75% |
| 5 | U.S. BankCincinnati, OH | D | $13B | 32,493 | 31.6% | 6.50% |
| 6 | Bank of AmericaCharlotte, NC | F | $12B | 40,190 | 30.8% | 5.99% |
| 7 | CitibankSioux Falls, SD | B | $8.0B | 11,427 | 11.3% | 5.75% |
| 8 | Crosscountry MortgageCleveland, OH | B | $6.4B | 14,753 | 3.6% | 6.75% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | $6.2B | 18,754 | 13.5% | 6.50% |
| 10 | Loandepot.ComIrvine, CA | D | $4.1B | 16,645 | 18.7% | 6.63% |
| 11 | Guaranteed RateChicago, IL | B | $4.0B | 12,235 | 5.4% | 6.53% |
| 12 | OCMBCIrvine, CA | C | $3.8B | 12,176 | 6.1% | 6.75% |
| 13 | The Loan StoreSan Francisco, CA | B | $3.8B | 12,791 | 11.7% | 6.75% |
| 14 | Lennar MortgageMiami, FL | A | $3.5B | 9,083 | 7.3% | 4.99% |
| 15 | SchoolsfirstTustin, CA | A | $3.4B | 19,086 | 10.0% | 6.25% |
| 16 | BMO BankChicago, IL | F | $3.2B | 9,453 | 35.1% | 7.63% |
| 17 | PNC BankWilmington, DE | D | $3.1B | 5,448 | 27.7% | 6.75% |
| 18 | CMG MortgageSan Ramon, CA | A | $3.1B | 7,440 | 4.7% | 6.63% |
| 19 | City National BankLos Angeles, CA | B | $3.1B | 4,042 | 14.3% | 6.03% |
| 20 | Walker & DunlopBethesda, MD | C | $3.0B | 110 | 5.5% | 5.37% |
| 21 | Morgan Stanley Private BankNew York, NY | A | $2.8B | 2,649 | 5.2% | 5.80% |
| 22 | Kind LendingIrvine, CA | C | $2.8B | 9,817 | 24.5% | 6.50% |
| 23 | NewrezWilmington, DE | D | $2.7B | 17,000 | 19.3% | 6.63% |
| 24 | AMWEST FundingBrea, CA | C | $2.6B | 7,654 | 5.9% | 7.00% |
| 25 | Broker SolutionsTustin, CA | D | $2.5B | 12,478 | 7.8% | 6.88% |
| 26 | East West BankPasadena, CA | B | $2.5B | 4,490 | 8.3% | 6.50% |
| 27 | Kiavi FundingWilmington, DE | D | $2.4B | 4,472 | 6.0% | 9.75% |
| 28 | The Golden 1Sacramento, CA | D | $2.3B | 11,609 | 33.2% | 7.75% |
| 29 | Charles Schwab BankWestlake, TX | A | $2.3B | 1,880 | 5.3% | 5.50% |
| 30 | Commerce Home MortgageAnaheim, CA | C | $2.2B | 4,491 | 7.4% | 7.13% |
| 31 | HSBC Bank USAMclean, VA | B | $2.2B | 2,095 | 3.9% | 5.86% |
| 32 | Cake MortgageLos Angeles, CA | D | $2.1B | 3,468 | 3.9% | 7.63% |
| 33 | Freedom MortgageBoca Raton, FL | B | $2.0B | 11,002 | 8.0% | 6.13% |
| 34 | Paramount Residential Mortgage GroupCorona, CA | B | $1.9B | 5,925 | 2.0% | 6.50% |
| 35 | New Wave Lending GroupCity Of Industry, CA | B | $1.8B | 3,895 | 0.3% | 6.88% |
| 36 | American Pacific MortgageRoseville, CA | C | $1.8B | 4,994 | 7.8% | 6.63% |
| 37 | Guild MortgageSan Diego, CA | A | $1.8B | 6,122 | 3.5% | 6.50% |
| 38 | ConventusSan Francisco, CA | B | $1.7B | 1,539 | 0.9% | 9.49% |
| 39 | Navy Federal Credit UnionVienna, VA | D | $1.7B | 15,476 | 25.7% | 8.00% |
| 40 | NmsiLos Angeles, CA | A | $1.5B | 2,145 | 0.0% | 6.75% |
| 41 | Genesis CapitalLos Angeles, CA | B | $1.5B | 637 | 1.3% | 8.75% |
| 42 | Fairway Independent MortgageMadison, WI | B | $1.4B | 4,003 | 3.8% | 6.63% |
| 43 | Golden Empire MortgageBakersfield, CA | B | $1.4B | 4,757 | 5.4% | 6.25% |
| 44 | Citizens BankProvidence, RI | C | $1.4B | 779 | 6.4% | 5.75% |
| 45 | Mortgage Research CenterColumbia, MO | C | $1.4B | 6,494 | 21.0% | 6.13% |
| 46 | Dhi Mortgage CompanyArlington, TX | B | $1.4B | 3,885 | 8.6% | 5.25% |
| 47 | Finance of America ReverseTulsa, OK | C | $1.4B | 3,527 | 9.5% | 8.99% |
| 48 | Cbre Multifamily CapitalWilmington, DE | A | $1.3B | 41 | 0.0% | 5.21% |
| 49 | OriginPointChicago, IL | B | $1.3B | 2,126 | 4.3% | 6.63% |
| 50 | Zions BancorporationSalt Lake City, UT | B | $1.2B | 3,122 | 27.9% | 6.25% |
Ordered by the dollar value of loans originated in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
