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 | $4.2B | 11,325 | 8.5% | 6.25% |
| 2 | Rocket MortgagePlymouth, MI | C | $1.7B | 6,276 | 14.6% | 6.63% |
| 3 | AMERICA FIRST Federal Credit UnionRiverdale, UT | C | $1.6B | 16,303 | 18.3% | 6.99% |
| 4 | Guild MortgageSan Diego, CA | A | $1.6B | 5,427 | 1.5% | 6.50% |
| 5 | Intercap LendingSalt Lake City, UT | A | $1.5B | 4,881 | 0.7% | 6.50% |
| 6 | Mountain America Federal Credit UnionSandy, UT | D | $1.3B | 15,401 | 36.5% | 7.24% |
| 7 | First Colony MortgageOrem, UT | A | $1.3B | 3,499 | 2.1% | 6.38% |
| 8 | Kind LendingIrvine, CA | C | $1.0B | 3,227 | 20.3% | 6.50% |
| 9 | Zions BancorporationSalt Lake City, UT | B | $971M | 3,013 | 22.9% | 6.49% |
| 10 | The Loan StoreSan Francisco, CA | B | $809M | 2,524 | 5.4% | 6.49% |
| 11 | GoldenwestOgden, UT | B | $646M | 4,794 | 17.6% | 7.50% |
| 12 | Securitynational MortgageSalt Lake City, UT | D | $622M | 2,466 | 4.7% | 6.75% |
| 13 | My Move MortgageUtah, UT | A | $554M | 1,487 | 0.6% | 6.13% |
| 14 | Walker & DunlopBethesda, MD | C | $533M | 13 | 0.0% | 5.38% |
| 15 | JPMorgan Chase BankColumbus, OH | B | $505M | 818 | 10.9% | 6.38% |
| 16 | Pennymac Loan ServicesWestlake Village, CA | C | $476M | 2,132 | 12.7% | 6.38% |
| 17 | Dhi Mortgage CompanyArlington, TX | B | $472M | 1,571 | 8.6% | 5.75% |
| 18 | U.S. BankCincinnati, OH | D | $447M | 1,436 | 29.6% | 6.99% |
| 19 | Fairway Independent MortgageMadison, WI | B | $442M | 1,304 | 2.7% | 6.63% |
| 20 | Crosscountry MortgageCleveland, OH | B | $381M | 1,088 | 2.9% | 6.63% |
| 21 | Utah Community Federal Credit UnionProvo, UT | B | $366M | 2,573 | 16.1% | 6.99% |
| 22 | Plains Commerce BankSioux Falls, SD | B | $316M | 1,405 | 4.4% | 6.50% |
| 23 | Freedom MortgageBoca Raton, FL | B | $313M | 1,549 | 8.7% | 6.13% |
| 24 | Provident Funding AssociatesSanta Rosa, CA | A | $300M | 968 | 6.6% | 6.25% |
| 25 | NewrezWilmington, DE | D | $292M | 1,801 | 17.3% | 6.63% |
| 26 | RanlifeSandy, UT | B | $269M | 1,050 | 1.2% | 6.38% |
| 27 | Bank of UtahOgden, UT | A | $268M | 884 | 1.5% | 6.38% |
| 28 | Berkadia Commercial MortgageAmbler, PA | B | $257M | 8 | 0.0% | 5.26% |
| 29 | Security Home Mortgage, LLC.Orem, UT | A | $252M | 662 | 1.4% | 6.50% |
| 30 | Loandepot.ComIrvine, CA | D | $245M | 1,241 | 18.9% | 6.63% |
| 31 | Wells Fargo BankCharlotte, NC | B | $243M | 429 | 19.1% | 6.13% |
| 32 | CitibankSioux Falls, SD | B | $238M | 117 | 9.4% | 5.75% |
| 33 | Lennar MortgageMiami, FL | A | $238M | 709 | 9.0% | 4.99% |
| 34 | Canopy MortgageLindon, UT | B | $235M | 842 | 3.3% | 6.38% |
| 35 | Bank of AmericaCharlotte, NC | F | $222M | 628 | 32.8% | 5.99% |
| 36 | CYPRUS Federal Credit UnionWest Jordan, UT | C | $217M | 1,799 | 26.5% | 4.99% |
| 37 | Mortgage Research CenterColumbia, MO | C | $206M | 1,069 | 17.2% | 5.99% |
| 38 | Morgan Stanley Private BankNew York, NY | A | $195M | 177 | 5.1% | 5.84% |
| 39 | American Pacific MortgageRoseville, CA | C | $188M | 629 | 7.8% | 6.50% |
| 40 | Guaranteed RateChicago, IL | B | $186M | 703 | 8.7% | 6.50% |
| 41 | Nationstar MortgageCoppell, TX | C | $179M | 1,304 | 13.6% | 8.50% |
| 42 | PNC BankWilmington, DE | D | $179M | 320 | 31.3% | 6.38% |
| 43 | Utah FirstSalt Lake City, UT | C | $176M | 1,595 | 28.9% | 7.50% |
| 44 | Broker SolutionsTustin, CA | D | $175M | 1,269 | 8.7% | 6.75% |
| 45 | Direct Rate Home LoansCottonwood Heights, UT | B | $170M | 524 | 5.9% | 6.38% |
| 46 | Homeamerican MortgageDenver, CO | A | $169M | 399 | 7.3% | 4.63% |
| 47 | University First Federal Credit UnionWest Jordan, UT | B | $160M | 1,634 | 20.1% | 4.99% |
| 48 | Paramount Residential Mortgage GroupCorona, CA | B | $154M | 625 | 3.7% | 6.38% |
| 49 | Deseret First Credit UnionWest Valley City, UT | A | $151M | 960 | 12.7% | 7.50% |
| 50 | Security Service Federal Credit UnionSan Antonio, TX | C | $146M | 870 | 21.4% | 6.99% |
Ordered by the dollar value of loans originated in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
