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 | 6,600 | 10.4% | 6.25% |
| 2 | Onpoint Community Credit UnionPortland, OR | B | $1.6B | 10,710 | 15.7% | 7.50% |
| 3 | Guild MortgageSan Diego, CA | A | $1.5B | 6,034 | 2.6% | 6.55% |
| 4 | Jones Lang Lasalle MultifamilySt. Paul, MN | B | $1.5B | 10 | 0.0% | 5.03% |
| 5 | Rocket MortgagePlymouth, MI | C | $1.4B | 6,649 | 16.3% | 6.75% |
| 6 | CMG MortgageSan Ramon, CA | A | $830M | 2,702 | 2.9% | 6.50% |
| 7 | U.S. BankCincinnati, OH | D | $706M | 4,875 | 31.6% | 7.85% |
| 8 | Crosscountry MortgageCleveland, OH | B | $640M | 2,360 | 4.4% | 6.63% |
| 9 | Nations Direct MortgageHenderson, NV | B | $630M | 1,728 | 1.2% | 6.49% |
| 10 | Umpqua BankLake Oswego, OR | C | $590M | 3,155 | 23.0% | 7.50% |
| 11 | Pennymac Loan ServicesWestlake Village, CA | C | $544M | 2,642 | 10.2% | 6.62% |
| 12 | JPMorgan Chase BankColumbus, OH | B | $531M | 1,381 | 11.8% | 6.38% |
| 13 | NewrezWilmington, DE | D | $486M | 2,945 | 12.9% | 6.63% |
| 14 | Guaranteed RateChicago, IL | B | $468M | 1,750 | 3.1% | 6.58% |
| 15 | Mortgage ExpressPortland, OR | A | $461M | 1,480 | 3.5% | 6.50% |
| 16 | Fairway Independent MortgageMadison, WI | B | $444M | 1,613 | 5.5% | 6.63% |
| 17 | First Technology Federal Credit UnionSan Jose, CA | B | $381M | 2,230 | 12.6% | 7.38% |
| 18 | Loandepot.ComIrvine, CA | D | $360M | 1,991 | 15.5% | 6.75% |
| 19 | Movement MortgageLancaster, SC | A | $357M | 1,364 | 4.7% | 6.75% |
| 20 | Kind LendingIrvine, CA | C | $351M | 1,233 | 20.8% | 6.63% |
| 21 | Mortgage Research CenterColumbia, MO | C | $336M | 1,978 | 17.9% | 6.13% |
| 22 | The Loan StoreSan Francisco, CA | B | $333M | 1,078 | 7.6% | 6.63% |
| 23 | Bank of AmericaCharlotte, NC | F | $325M | 2,389 | 26.6% | 6.24% |
| 24 | American Pacific MortgageRoseville, CA | C | $319M | 1,111 | 5.0% | 6.63% |
| 25 | Wells Fargo BankCharlotte, NC | B | $318M | 851 | 15.9% | 6.25% |
| 26 | Summit FundingSacramento, CA | C | $302M | 1,044 | 3.6% | 6.63% |
| 27 | Rogue Credit UnionMedford, OR | C | $298M | 2,511 | 10.2% | 7.49% |
| 28 | Banner BankWalla Walla, WA | D | $297M | 1,438 | 28.4% | 6.88% |
| 29 | Lennar MortgageMiami, FL | A | $296M | 892 | 5.7% | 4.99% |
| 30 | Paramount Residential Mortgage GroupCorona, CA | B | $296M | 833 | 1.3% | 6.38% |
| 31 | Union Home MortgageStrongsville, OH | B | $295M | 984 | 4.2% | 6.50% |
| 32 | Freedom MortgageBoca Raton, FL | B | $286M | 1,717 | 9.3% | 6.13% |
| 33 | Cbre Multifamily CapitalWilmington, DE | A | $274M | 13 | 0.0% | 5.25% |
| 34 | Provident Funding AssociatesSanta Rosa, CA | A | $257M | 735 | 3.3% | 6.38% |
| 35 | First CommunityCoquille, OR | B | $255M | 1,844 | 19.0% | 5.50% |
| 36 | Pgim Real Estate Agency FinancingWilmington, DE | B | $249M | 7 | 0.0% | 5.37% |
| 37 | Directors MortgageLake Oswego, OR | B | $240M | 906 | 4.4% | 6.63% |
| 38 | Oregon CommunityEugene, OR | B | $228M | 2,232 | 12.1% | 7.50% |
| 39 | Dhi Mortgage CompanyArlington, TX | B | $225M | 733 | 7.2% | 5.50% |
| 40 | Synergy One LendingSan Diego, CA | C | $203M | 747 | 5.2% | 6.50% |
| 41 | KeyBankCleveland, OH | C | $195M | 829 | 26.5% | 6.88% |
| 42 | Walker & DunlopBethesda, MD | C | $195M | 19 | 5.3% | 5.32% |
| 43 | PNC BankWilmington, DE | D | $193M | 276 | 29.7% | 6.13% |
| 44 | Broker SolutionsTustin, CA | D | $189M | 1,344 | 7.1% | 6.88% |
| 45 | Selco CommunitySpringfield, OR | C | $173M | 2,031 | 30.5% | 7.25% |
| 46 | Sierra Pacific Mortgage CompanyFolsom, CA | C | $165M | 593 | 3.4% | 6.50% |
| 47 | Oregon State Credit UnionCorvallis, OR | C | $163M | 1,292 | 11.5% | 7.50% |
| 48 | Berkadia Commercial MortgageAmbler, PA | B | $159M | 12 | 0.0% | 5.43% |
| 49 | Sunflower BankDallas, TX | B | $155M | 462 | 4.1% | 6.49% |
| 50 | Evergreen Moneysource MortgageBellevue, WA | B | $153M | 638 | 0.8% | 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.
