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 | $2.1B | 6,913 | 11.4% | 6.31% |
| 2 | Rocket MortgagePlymouth, MI | C | $1.4B | 6,889 | 15.4% | 6.88% |
| 3 | Guild MortgageSan Diego, CA | A | $1.3B | 5,533 | 2.6% | 6.50% |
| 4 | Dhi Mortgage CompanyArlington, TX | B | $819M | 2,549 | 6.8% | 4.99% |
| 5 | Lennar MortgageMiami, FL | A | $768M | 2,107 | 7.1% | 4.75% |
| 6 | Pennymac Loan ServicesWestlake Village, CA | C | $628M | 3,188 | 12.5% | 6.62% |
| 7 | Crosscountry MortgageCleveland, OH | B | $576M | 2,251 | 4.6% | 6.75% |
| 8 | U.S. BankCincinnati, OH | D | $522M | 3,745 | 40.2% | 7.65% |
| 9 | Freedom MortgageBoca Raton, FL | B | $442M | 2,502 | 6.4% | 6.13% |
| 10 | Loandepot.ComIrvine, CA | D | $421M | 2,484 | 18.2% | 6.99% |
| 11 | JPMorgan Chase BankColumbus, OH | B | $414M | 1,450 | 11.7% | 6.50% |
| 12 | Wells Fargo BankCharlotte, NC | B | $409M | 922 | 17.6% | 6.38% |
| 13 | Kbhs Home LoansIrving, TX | B | $403M | 1,132 | 9.5% | 5.88% |
| 14 | Pulte MortgageWilmington, DE | A | $387M | 1,251 | 17.5% | 5.63% |
| 15 | Bank of AmericaCharlotte, NC | F | $379M | 3,296 | 35.9% | 6.24% |
| 16 | Mortgage Research CenterColumbia, MO | C | $377M | 2,017 | 19.9% | 6.13% |
| 17 | Broker SolutionsTustin, CA | D | $366M | 2,559 | 8.9% | 6.75% |
| 18 | CMG MortgageSan Ramon, CA | A | $361M | 1,495 | 6.2% | 6.70% |
| 19 | Guaranteed RateChicago, IL | B | $357M | 1,862 | 8.6% | 6.75% |
| 20 | Zions BancorporationSalt Lake City, UT | B | $351M | 2,224 | 36.0% | 5.50% |
| 21 | Berkeley Point CapitalMclean, VA | B | $343M | 15 | 0.0% | 5.10% |
| 22 | AMERICA FIRST Federal Credit UnionRiverdale, UT | C | $313M | 3,873 | 28.6% | 7.24% |
| 23 | The Loan StoreSan Francisco, CA | B | $296M | 1,219 | 8.9% | 6.75% |
| 24 | Navy Federal Credit UnionVienna, VA | D | $261M | 2,579 | 24.5% | 7.75% |
| 25 | Kiavi FundingWilmington, DE | D | $248M | 791 | 6.8% | 9.75% |
| 26 | Barings Multifamily CapitalPlano, TX | A | $239M | 5 | 0.0% | 5.23% |
| 27 | NewrezWilmington, DE | D | $208M | 1,716 | 21.0% | 6.63% |
| 28 | Movement MortgageLancaster, SC | A | $205M | 911 | 6.2% | 6.88% |
| 29 | Homeamerican MortgageDenver, CO | A | $187M | 482 | 8.1% | 4.50% |
| 30 | Mutual of Omaha MortgageSan Diego, CA | C | $184M | 862 | 17.5% | 6.38% |
| 31 | Greater NevadaCarson City, NV | B | $177M | 806 | 7.0% | 6.38% |
| 32 | Evergreen Moneysource MortgageBellevue, WA | B | $177M | 636 | 0.8% | 6.63% |
| 33 | Fairway Independent MortgageMadison, WI | B | $176M | 620 | 4.4% | 6.75% |
| 34 | Inspire Home LoansNewport Beach, CA | B | $162M | 469 | 9.0% | 4.88% |
| 35 | Toll Brothers MortgageWilmington, DE | A | $151M | 500 | 6.4% | 6.49% |
| 36 | Kind LendingIrvine, CA | C | $150M | 627 | 26.5% | 6.63% |
| 37 | Paramount Residential Mortgage GroupCorona, CA | B | $149M | 546 | 2.6% | 6.50% |
| 38 | Gold Star Mortgage Financial GroupAnn Arbor, MI | C | $147M | 514 | 0.8% | 6.63% |
| 39 | PNC BankWilmington, DE | D | $147M | 55 | 12.7% | 6.00% |
| 40 | Walker & DunlopBethesda, MD | C | $146M | 10 | 0.0% | 5.46% |
| 41 | Clark County Credit UnionLas Vegas, NV | F | $143M | 1,469 | 25.7% | 7.75% |
| 42 | Morgan Stanley Private BankNew York, NY | A | $141M | 147 | 2.7% | 5.85% |
| 43 | Cardinal Financial Company, Limited PartnershipCharlotte, NC | B | $140M | 476 | 8.2% | 6.75% |
| 44 | CitibankSioux Falls, SD | B | $139M | 345 | 22.6% | 6.38% |
| 45 | United Federal Credit UnionSaint Joseph, MI | D | $132M | 962 | 28.9% | 7.05% |
| 46 | Primelending, a PlainscapitalDallas, TX | A | $131M | 442 | 3.6% | 6.49% |
| 47 | OCMBCIrvine, CA | C | $131M | 644 | 12.1% | 7.00% |
| 48 | East West BankPasadena, CA | B | $129M | 381 | 9.2% | 6.50% |
| 49 | Clm MortgageHouston, TX | A | $128M | 284 | 0.7% | 6.12% |
| 50 | Nationstar MortgageCoppell, TX | C | $125M | 960 | 13.3% | 8.25% |
Ordered by the dollar value of loans originated in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
