The biggest mortgage lenders of 2025
The 100 lenders that made the most mortgages in 2025, from every application reported under the Home Mortgage Disclosure Act. Volume is not a recommendation; the median rate and the denial share beside it are what their borrowers actually met.
| Lender | Mortgages made | Counties | States | Median rate | Median loan | Denied |
|---|---|---|---|---|---|---|
| Rocket Mortgage, LLC | 429,332 | 3,095 | 51 | 6.750% | $215,000 | 19.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 422,120 | 2,939 | 51 | 6.375% | $345,000 | 13.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 125,003 | 2,634 | 51 | 6.625% | $325,000 | 5.7% |
| PENNYMAC LOAN SERVICES, LLC | 100,816 | 3,011 | 51 | 6.490% | $295,000 | 18.5% |
| JPMorgan Chase Bank, National Association | 94,243 | 2,865 | 51 | 6.375% | $325,000 | 14.1% |
| Loandepot.Com, LLC | 91,730 | 2,881 | 51 | 6.625% | $245,000 | 26.7% |
| Bank of America, National Association | 88,530 | 2,500 | 51 | 6.000% | $205,000 | 44.7% |
| GUILD MORTGAGE COMPANY | 86,111 | 2,306 | 50 | 6.500% | $285,000 | 4.7% |
| Mortgage Research Center, LLC | 82,764 | 3,026 | 51 | 6.250% | $305,000 | 28.1% |
| Navy Federal Credit Union | 80,547 | 2,726 | 51 | 7.650% | $165,000 | 32.9% |
| U.S. Bank National Association | 74,635 | 2,709 | 51 | 6.875% | $235,000 | 39.5% |
| Fairway Independent Mortgage Corporation | 74,450 | 2,332 | 51 | 6.625% | $295,000 | 6.1% |
| GUARANTEED RATE, INC. | 70,579 | 2,480 | 51 | 6.550% | $345,000 | 9.2% |
| CMG MORTGAGE, INC. | 70,020 | 2,110 | 51 | 6.625% | $345,000 | 5.6% |
| FREEDOM MORTGAGE CORPORATION | 69,982 | 2,876 | 51 | 6.250% | $315,000 | 14.6% |
| DHI MORTGAGE COMPANY, LTD. | 69,159 | 600 | 36 | 4.990% | $325,000 | 16.2% |
| Citizens Bank, National Association | 68,902 | 2,264 | 51 | 7.500% | $205,000 | 32.5% |
| NEWREZ LLC | 66,567 | 2,972 | 51 | 6.625% | $275,000 | 35.0% |
| PNC Bank, National Association | 61,280 | 2,096 | 51 | 7.390% | $105,000 | 33.8% |
| MOVEMENT MORTGAGE, LLC | 57,781 | 1,838 | 51 | 6.625% | $305,000 | 4.8% |
| Broker Solutions, Inc. | 57,261 | 2,936 | 51 | 6.750% | $255,000 | 18.0% |
| LENNAR MORTGAGE, LLC | 56,951 | 348 | 30 | 4.875% | $325,000 | 16.3% |
| NATIONSTAR MORTGAGE LLC | 52,217 | 2,835 | 51 | 7.625% | $125,000 | 18.8% |
| The Huntington National Bank | 51,203 | 1,612 | 50 | 7.440% | $135,000 | 31.6% |
| Wells Fargo Bank, National Association | 41,562 | 2,537 | 51 | 6.250% | $345,000 | 22.2% |
| Truist Bank | 41,001 | 2,020 | 49 | 6.490% | $175,000 | 40.8% |
| THE LOAN STORE, INC. | 40,038 | 1,731 | 51 | 6.875% | $315,000 | 12.2% |
| Fifth Third Bank, National Association | 39,534 | 1,568 | 51 | 7.500% | $105,000 | 34.0% |
| UNION HOME MORTGAGE CORP. | 37,767 | 1,969 | 50 | 6.625% | $275,000 | 6.7% |
| FIGURE LENDING LLC | 33,415 | 2,676 | 51 | 9.100% | $65,000 | 29.1% |
| SPRING EQ, LLC | 32,174 | 2,396 | 51 | 9.200% | $85,000 | 61.9% |
| Regions Bank | 30,269 | 1,359 | 44 | 5.625% | $105,000 | 43.1% |
| KIND LENDING, LLC | 29,401 | 1,847 | 50 | 6.625% | $345,000 | 27.2% |
| STATE EMPLOYEES' | 28,397 | 308 | 14 | 6.250% | $155,000 | 30.2% |
| 21st Mortgage Corporation | 28,058 | 2,717 | 46 | 10.070% | $105,000 | 71.8% |
| Kiavi Funding, Inc. | 25,528 | 1,364 | 49 | 9.950% | $215,000 | 11.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 24,783 | 1,616 | 50 | 6.625% | $305,000 | 10.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 24,706 | 1,696 | 51 | 6.490% | $295,000 | 6.4% |
| AmeriSave Mortgage Corporation | 24,298 | 2,870 | 50 | 8.000% | $95,000 | 70.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24,192 | 2,415 | 50 | 6.375% | $275,000 | 22.6% |
| TD Bank, National Association | 23,499 | 459 | 19 | 7.490% | $205,000 | 35.3% |
| Manufacturers and Traders Trust Company | 23,446 | 1,389 | 51 | 5.990% | $165,000 | 32.9% |
| Paramount Residential Mortgage Group, Inc. | 23,410 | 1,666 | 50 | 6.500% | $365,000 | 5.0% |
| Third Federal Savings and Loan Association of Cleveland | 21,298 | 1,124 | 30 | 6.990% | $135,000 | 35.5% |
| Coastal Community Bank | 21,244 | 2,187 | 44 | 10.240% | $55,000 | 3.0% |
| Prosperity Home Mortgage, LLC | 20,869 | 1,375 | 48 | 6.500% | $335,000 | 7.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 19,996 | 2,212 | 41 | 8.750% | $165,000 | 67.8% |
| NFM, INC. | 18,920 | 1,074 | 50 | 6.625% | $345,000 | 2.3% |
| PULTE MORTGAGE LLC | 18,825 | 187 | 26 | 5.625% | $405,000 | 15.3% |
| LOWER, LLC | 17,905 | 1,874 | 47 | 6.500% | $285,000 | 13.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 17,312 | 1,813 | 51 | 10.040% | $155,000 | 18.5% |
| BMO Bank National Association | 16,529 | 1,093 | 51 | 8.230% | $165,000 | 40.5% |
| LAKEVIEW LOAN SERVICING, LLC | 16,407 | 2,578 | 51 | 6.375% | $265,000 | 59.1% |
| NVR Mortgage Finance, Inc. | 16,403 | 216 | 17 | 6.250% | $345,000 | 20.7% |
| OCMBC, INC. | 16,337 | 1,291 | 49 | 6.999% | $355,000 | 12.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 16,189 | 2,389 | 51 | 7.540% | $145,000 | 23.4% |
| EVERETT FINANCIAL, INC. | 16,155 | 1,604 | 51 | 6.625% | $275,000 | 8.9% |
| GUARANTEED RATE AFFINITY, LLC | 15,936 | 1,076 | 51 | 6.525% | $355,000 | 6.8% |
| Citibank, National Association | 15,812 | 1,639 | 51 | 6.000% | $805,000 | 24.0% |
| First National Bank of Pennsylvania | 15,800 | 608 | 20 | 6.490% | $185,000 | 26.6% |
| GREENSTATE Credit Union | 15,699 | 497 | 41 | 6.500% | $155,000 | 10.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 15,382 | 1,417 | 50 | 6.490% | $285,000 | 3.4% |
| FLAT BRANCH MORTGAGE, INC. | 15,370 | 761 | 34 | 6.500% | $215,000 | 1.2% |
| AMERICA FIRST Federal Credit Union | 15,271 | 286 | 41 | 6.990% | $95,000 | 22.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15,085 | 2,414 | 51 | 6.625% | $195,000 | 54.2% |
| A&D Mortgage LLC | 14,636 | 1,285 | 50 | 6.750% | $325,000 | 13.1% |
| PLAZA HOME MORTGAGE, INC. | 14,594 | 2,206 | 51 | 6.625% | $265,000 | 30.7% |
| TRIAD FINANCIAL SERVICES, INC. | 14,579 | 2,377 | 47 | 8.730% | $95,000 | 47.5% |
| BETTER MORTGAGE CORPORATION | 14,567 | 2,175 | 51 | 7.125% | $245,000 | 45.1% |
| PLANET HOME LENDING, LLC | 14,458 | 2,852 | 51 | 6.125% | $285,000 | 17.5% |
| First-Citizens Bank & Trust Company | 14,381 | 699 | 45 | 6.250% | $195,000 | 22.5% |
| ZILLOW HOME LOANS, LLC | 14,357 | 1,699 | 50 | 6.500% | $295,000 | 7.4% |
| Boeing Employees Credit Union | 14,331 | 203 | 17 | 6.125% | $155,000 | 26.5% |
| LAKE MICHIGAN CREDIT UNION | 14,279 | 216 | 15 | 6.740% | $215,000 | 7.3% |
| SCHOOLSFIRST | 14,224 | 55 | 1 | 6.250% | $155,000 | 11.7% |
| Cadence Bank | 14,010 | 669 | 30 | 6.750% | $215,000 | 19.7% |
| Arvest Bank | 13,363 | 690 | 46 | 6.875% | $165,000 | 18.5% |
| Ameris Bank | 13,184 | 798 | 46 | 6.490% | $315,000 | 10.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 13,125 | 1,570 | 51 | 6.750% | $305,000 | 15.5% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 13,070 | 534 | 16 | 6.500% | $275,000 | 1.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 12,657 | 1,826 | 51 | 6.625% | $245,000 | 10.8% |
| Plains Commerce Bank | 12,504 | 1,489 | 51 | 6.500% | $335,000 | 10.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 12,172 | 1,174 | 48 | 6.625% | $315,000 | 3.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 12,170 | 953 | 33 | 6.375% | $425,000 | 9.4% |
| AMWEST FUNDING CORP. | 12,091 | 908 | 49 | 6.875% | $325,000 | 8.2% |
| Equity Prime Mortgage LLC | 12,066 | 2,213 | 51 | 6.625% | $265,000 | 19.5% |
| USAA Federal Savings Bank | 11,693 | 2,397 | 51 | 6.375% | $315,000 | 37.2% |
| Bell Bank | 11,534 | 603 | 38 | 6.625% | $295,000 | 7.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 11,444 | 1,986 | 50 | 6.500% | $265,000 | 7.3% |
| Summit Credit Union | 11,414 | 140 | 13 | 5.625% | $105,000 | 15.0% |
| CHAMPIONS FUNDING, LLC | 11,067 | 1,188 | 49 | 7.625% | $305,000 | 26.2% |
| PENTAGON FEDERAL CREDIT UNION | 11,049 | 1,733 | 51 | 7.625% | $185,000 | 45.9% |
| Old National Bank | 10,956 | 873 | 49 | 6.250% | $195,000 | 22.1% |
| Lendage, LLC | 10,890 | 1,315 | 29 | 11.000% | $65,000 | 14.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10,858 | 2,494 | 50 | 5.750% | $345,000 | 25.5% |
| Morgan Stanley Private Bank, National Association | 10,740 | 972 | 51 | 5.900% | $755,000 | 4.9% |
| Click n' Close, Inc. | 10,736 | 1,456 | 51 | 6.750% | $225,000 | 7.2% |
| IDAHO CENTRAL CREDIT UNION | 10,608 | 137 | 17 | 7.000% | $195,000 | 17.8% |
| DESERT FINANCIAL CREDIT UNION | 10,566 | 32 | 12 | 6.490% | $105,000 | 26.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 10,308 | 1,234 | 47 | 6.500% | $265,000 | 7.1% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.