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 | Bank of HawaiiHonolulu, HI | C | $1.1B | 3,679 | 27.8% | 6.00% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | $908M | 1,710 | 11.1% | 6.13% |
| 3 | American Savings BankHonolulu, HI | C | $700M | 2,479 | 34.5% | 5.65% |
| 4 | First Hawaiian BankHonolulu, HI | B | $611M | 2,740 | 19.4% | 5.87% |
| 5 | Rocket MortgagePlymouth, MI | C | $557M | 1,637 | 22.4% | 6.63% |
| 6 | Freedom MortgageBoca Raton, FL | B | $384M | 924 | 10.8% | 5.75% |
| 7 | Central Pacific BankHonolulu, HI | C | $318M | 1,519 | 33.6% | 6.13% |
| 8 | Guaranteed RateChicago, IL | B | $308M | 766 | 5.4% | 6.50% |
| 9 | Pennymac Loan ServicesWestlake Village, CA | C | $302M | 793 | 15.5% | 6.13% |
| 10 | NewrezWilmington, DE | D | $289M | 891 | 16.5% | 6.25% |
| 11 | CMG MortgageSan Ramon, CA | A | $259M | 621 | 4.0% | 6.50% |
| 12 | Hawaii State Federal Credit UnionHonolulu, HI | C | $256M | 1,418 | 30.0% | 5.90% |
| 13 | Hawaiiusa Federal Credit UnionHonolulu, HI | C | $247M | 1,833 | 38.1% | 5.65% |
| 14 | Mortgage Research CenterColumbia, MO | C | $230M | 695 | 14.7% | 6.13% |
| 15 | The Loan StoreSan Francisco, CA | B | $190M | 505 | 12.1% | 6.63% |
| 16 | Guild MortgageSan Diego, CA | A | $174M | 488 | 7.2% | 6.62% |
| 17 | Dhi Mortgage CompanyArlington, TX | B | $174M | 368 | 9.8% | 5.50% |
| 18 | Loandepot.ComIrvine, CA | D | $161M | 521 | 21.1% | 6.63% |
| 19 | Citadel ServicingIrvine, CA | B | $151M | 320 | 1.6% | 7.25% |
| 20 | Homexpress MortgageSanta Ana, CA | C | $119M | 295 | 38.0% | 7.38% |
| 21 | JPMorgan Chase BankColumbus, OH | B | $114M | 147 | 21.1% | 6.13% |
| 22 | NFMLinthicum, MD | A | $112M | 296 | 1.4% | 6.99% |
| 23 | Kind LendingIrvine, CA | C | $110M | 268 | 28.7% | 6.63% |
| 24 | Navy Federal Credit UnionVienna, VA | D | $105M | 985 | 30.2% | 8.10% |
| 25 | ConventusSan Francisco, CA | B | $97M | 162 | 1.2% | 9.99% |
| 26 | Morgan Stanley Private BankNew York, NY | A | $85M | 75 | 6.7% | 5.88% |
| 27 | Commerce Home MortgageAnaheim, CA | C | $82M | 142 | 7.8% | 7.38% |
| 28 | Ameris BankAtlanta, GA | B | $80M | 155 | 3.9% | 6.13% |
| 29 | Hawaiian Financial Federal Credit UnionHonolulu, HI | A | $79M | 126 | 0.0% | 6.13% |
| 30 | Securitynational MortgageSalt Lake City, UT | D | $73M | 217 | 18.4% | 6.88% |
| 31 | Bank of AmericaCharlotte, NC | F | $70M | 151 | 33.8% | 5.99% |
| 32 | Paramount Residential Mortgage GroupCorona, CA | B | $62M | 158 | 0.6% | 6.63% |
| 33 | Finance of America ReverseTulsa, OK | C | $60M | 127 | 4.7% | 8.24% |
| 34 | Northpointe BankGrand Rapids, MI | C | $60M | 108 | 5.6% | 7.31% |
| 35 | Homebridge Financial ServicesIselin, NJ | B | $58M | 200 | 28.0% | 7.31% |
| 36 | U.S. BankCincinnati, OH | D | $58M | 147 | 36.7% | 6.38% |
| 37 | University of Hawaii Federal Credit UnionHonolulu, HI | B | $58M | 127 | 6.3% | 5.75% |
| 38 | Aloha Pacific Federal Credit UnionHonolulu, HI | B | $56M | 327 | 28.1% | 5.75% |
| 39 | Nexera HoldingEmeryville, CA | D | $56M | 107 | 8.4% | 7.38% |
| 40 | Crosscountry MortgageCleveland, OH | B | $54M | 178 | 6.2% | 6.88% |
| 41 | Plains Commerce BankSioux Falls, SD | B | $53M | 143 | 6.3% | 6.38% |
| 42 | Wells Fargo BankCharlotte, NC | B | $52M | 106 | 27.4% | 6.00% |
| 43 | Mortgage HawaiiHonolulu, HI | – | $50M | 71 | 1.4% | 6.13% |
| 44 | Temple View Capital FundingRockville, MD | D | $48M | 122 | 9.8% | 10.50% |
| 45 | Fairway Independent MortgageMadison, WI | B | $48M | 137 | 11.7% | 6.63% |
| 46 | Canopy MortgageLindon, UT | B | $47M | 137 | 1.5% | 6.63% |
| 47 | Angel Oak Mortgage SolutionsAtlanta, GA | D | $44M | 137 | 21.9% | 7.37% |
| 48 | Lendsure MortgageSan Diego, CA | B | $44M | 93 | 2.2% | 7.50% |
| 49 | Finance FactorsHonolulu, HI | – | $44M | 83 | 12.1% | — |
| 50 | Nationstar MortgageCoppell, TX | C | $44M | 217 | 22.6% | 6.88% |
Ordered by the dollar value of loans originated in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
