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 | Idaho Central Credit UnionChubbuck, ID | A | $2.4B | 15,644 | 16.5% | 7.00% |
| 2 | United Shore Financial ServicesPlymouth, MI | B | $1.2B | 3,943 | 9.1% | 6.12% |
| 3 | Rocket MortgagePlymouth, MI | C | $958M | 4,391 | 13.3% | 6.63% |
| 4 | Guild MortgageSan Diego, CA | A | $557M | 2,320 | 3.4% | 6.50% |
| 5 | Premier Mortgage ResourcesMeridian, ID | B | $545M | 2,504 | 2.7% | 6.25% |
| 6 | Glacier BankKalispell, MT | D | $409M | 1,507 | 14.5% | 6.88% |
| 7 | U.S. BankCincinnati, OH | D | $396M | 2,161 | 28.6% | 7.35% |
| 8 | CMG MortgageSan Ramon, CA | A | $361M | 1,087 | 2.5% | 6.63% |
| 9 | Loandepot.ComIrvine, CA | D | $349M | 1,622 | 14.2% | 6.50% |
| 10 | Movement MortgageLancaster, SC | A | $272M | 1,130 | 5.8% | 6.50% |
| 11 | Pennymac Loan ServicesWestlake Village, CA | C | $268M | 1,297 | 10.8% | 6.50% |
| 12 | Guaranteed RateChicago, IL | B | $264M | 984 | 5.3% | 6.58% |
| 13 | Evergreen Moneysource MortgageBellevue, WA | B | $261M | 910 | 0.3% | 6.50% |
| 14 | Fairway Independent MortgageMadison, WI | B | $252M | 993 | 6.5% | 6.49% |
| 15 | Kind LendingIrvine, CA | C | $232M | 793 | 16.0% | 6.50% |
| 16 | American Pacific MortgageRoseville, CA | C | $229M | 904 | 4.4% | 6.50% |
| 17 | Zions BancorporationSalt Lake City, UT | B | $218M | 861 | 21.1% | 6.49% |
| 18 | Toll Brothers MortgageWilmington, DE | A | $215M | 752 | 6.3% | 6.00% |
| 19 | JPMorgan Chase BankColumbus, OH | B | $209M | 521 | 9.4% | 6.63% |
| 20 | Mortgage Research CenterColumbia, MO | C | $209M | 1,154 | 18.5% | 6.13% |
| 21 | Crosscountry MortgageCleveland, OH | B | $204M | 705 | 3.0% | 6.45% |
| 22 | Mountain America Federal Credit UnionSandy, UT | D | $200M | 2,323 | 37.7% | 7.24% |
| 23 | Synergy One LendingSan Diego, CA | C | $198M | 770 | 5.6% | 6.38% |
| 24 | First Federal Savings Bank of Twin FallsTwin Falls, ID | C | $180M | 1,250 | 14.2% | 6.92% |
| 25 | Lennar MortgageMiami, FL | A | $174M | 561 | 5.4% | 4.88% |
| 26 | Freedom MortgageBoca Raton, FL | B | $162M | 966 | 8.0% | 6.06% |
| 27 | D. L. Evans BankBurley, ID | D | $159M | 755 | 15.2% | — |
| 28 | The Loan StoreSan Francisco, CA | B | $152M | 540 | 5.4% | 6.63% |
| 29 | First Colony MortgageOrem, UT | A | $144M | 518 | 1.5% | 6.25% |
| 30 | Eagle Bank and TrustLittle Rock, AR | A | $141M | 484 | 0.8% | 6.25% |
| 31 | Willamette Valley BankSalem, OR | C | $131M | 530 | 9.3% | 6.38% |
| 32 | Canopy MortgageLindon, UT | B | $130M | 575 | 2.1% | 6.38% |
| 33 | Wells Fargo BankCharlotte, NC | B | $129M | 319 | 15.1% | 6.25% |
| 34 | Clm MortgageHouston, TX | A | $126M | 378 | 0.5% | 5.75% |
| 35 | Planet Home LendingMeriden, CT | B | $119M | 498 | 6.4% | 6.50% |
| 36 | Washington Trust BankSpokane, WA | D | $115M | 468 | 24.6% | 7.50% |
| 37 | Bank of AmericaCharlotte, NC | F | $113M | 451 | 29.5% | 6.06% |
| 38 | Waterstone MortgageBrookfield, WI | C | $112M | 429 | 3.0% | 6.25% |
| 39 | Potlatch No. 1 Financial Credit UnionLewiston, ID | C | $111M | 903 | 11.6% | 7.50% |
| 40 | NewrezWilmington, DE | D | $110M | 795 | 15.9% | 6.63% |
| 41 | Sunflower BankDallas, TX | B | $106M | 345 | 1.7% | 6.49% |
| 42 | WESTMARK Credit UnionIdaho Falls, ID | B | $102M | 1,230 | 15.8% | 6.99% |
| 43 | Broker SolutionsTustin, CA | D | $101M | 729 | 10.3% | 6.75% |
| 44 | Cornerstone Capital BankHouston, TX | A | $97M | 398 | 0.5% | 6.13% |
| 45 | Umpqua BankLake Oswego, OR | C | $93M | 472 | 24.8% | 8.00% |
| 46 | Summit FundingSacramento, CA | C | $92M | 467 | 6.4% | 6.50% |
| 47 | NFMLinthicum, MD | A | $82M | 341 | 1.5% | 6.25% |
| 48 | Freedom Northwest Credit UnionKamiah, ID | A | $80M | 376 | 0.0% | — |
| 49 | Churchill MortgageBrentwood, TN | B | $80M | 326 | 4.6% | 6.63% |
| 50 | Greystone Servicing CompanyWarrenton, VA | D | $79M | 5 | 0.0% | 5.07% |
Ordered by the dollar value of loans originated in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
