Lender data

Every lender with real volume, one page each.

390 lenders, each with its 2025 filing turned into the numbers that matter: who it approves, what its borrowers paid, why it says no. Pick a lender, or start from approvals, rates or fees.

Lenders profiled

390

covering 2,547,203 purchase decisions. Updated each year when the filing is published.

Approvals

Who closes at my DTI?

Rates

Who charged the least?

Fees

Who charges the most?

States

52 state pages

Independent mortgage companies

Ranked by 2025 purchase decisions. "Above 50% DTI" is the conventional approval rate in that band, or FHA where conventional volume is too small.
Lender	Type	Decisions	Above 50% DTI
United Wholesale Mortgage	Independent mortgage co.	224,767	9%
Rocket Mortgage	Independent mortgage co.	139,432	3%
CrossCountry Mortgage, LLC	Independent mortgage co.	82,469	41%
Mortgage Research Center	Independent mortgage co.	70,092	6%
Guild Mortgage Company	Independent mortgage co.	56,308	72%
Fairway Independent Mort Corp	Independent mortgage co.	53,612	40%
Guaranteed Rate, Inc.	Independent mortgage co.	46,258	40%
CMG Mortgage Inc	Independent mortgage co.	45,433	35%
loanDepot.com LLC	Independent mortgage co.	39,375	21%
Movement Mortgage, LLC	Independent mortgage co.	37,297	28%
PennyMac Loan Services LLC	Independent mortgage co.	34,784	5%
New American Funding, LLC	Independent mortgage co.	32,144	19%
Union Home Mortgage Corp.	Independent mortgage co.	24,300	13%
NewRez LLC	Independent mortgage co.	23,224	11%
Kind Lending, LLC	Independent mortgage co.	22,271	5%
PrimeLending	Independent mortgage co.	18,579	15%
American Pacific Mortgage Corporation	Independent mortgage co.	18,299	31%
The Loan Store, Inc	Independent mortgage co.	18,159	22%
Paramount Residential Mortgage	Independent mortgage co.	16,292	37%
Prosperity Home Mortgage, LLC	Independent mortgage co.	15,919	2%
Nfm, Inc	Independent mortgage co.	14,694	43%
Zillow Home Loans, LLC	Independent mortgage co.	14,617	10%
Guaranteed Rate Affinity, LLC	Independent mortgage co.	12,209	48%
Freedom Mortgage Corporation	Independent mortgage co.	12,116	0%
Lower, LLC	Independent mortgage co.	12,082	11%
Ark-La-Tex Financial Services LLC	Independent mortgage co.	11,639	96%
Flat Branch Mortgage, Inc.	Independent mortgage co.	11,636	98%
Plaza Home Mortgage, Inc	Independent mortgage co.	11,336	6%
Everett Financial, Inc.	Independent mortgage co.	11,178	22%
Provident Funding Associates	Independent mortgage co.	9,250	14%
Atlantic Bay Mortgage Group	Independent mortgage co.	9,242	97%
American Neighborhood Mortgage Acceptance Company	Independent mortgage co.	9,032	23%
Ruoff Mortgage Company	Independent mortgage co.	8,053	92%
OCMBC, Inc.	Independent mortgage co.	7,700	57%
First Community Mortgage, Inc.	Independent mortgage co.	7,657	9%
Cardinal Financial Company, Li	Independent mortgage co.	7,394	35%
Vanderbilt Mortgage and Finance, Inc	Independent mortgage co.	7,273	97%
Mutual of Omaha Mortgage	Independent mortgage co.	7,109	2%
T2 Financial LLC	Independent mortgage co.	6,992	12%
Better Mortgage Corporation	Independent mortgage co.	6,853	5%
Click N’ Close, Inc.	Independent mortgage co.	6,682	91%
American Financial Resources LLC	Independent mortgage co.	6,600	90%
Canopy Mortgage, LLC	Independent mortgage co.	6,496	96%
Primary Residential Mortgage, Inc.	Independent mortgage co.	6,484	93%
A&D Mortgage LLC	Independent mortgage co.	6,368	51%
Equity Prime Mortgage LLC	Independent mortgage co.	5,876	78%
First Colony Mortgage Corporat	Independent mortgage co.	5,855	19%
Synergy One Lending, Inc.	Independent mortgage co.	5,853	90%
Das Acquisition Company, LLC	Independent mortgage co.	5,608	96%
Nationstar Mortgage	Independent mortgage co.	5,545	92%
Sierra Pacific Mortgage Co. Inc	Independent mortgage co.	5,530	52%
Highlands Residential Mortgage, Ltd.	Independent mortgage co.	5,333	97%
V.I.P. Mortgage, Inc.	Independent mortgage co.	5,322	96%
Stockton Mortgage Corporation	Independent mortgage co.	5,282	92%
Waterstone Mortgage Corporation	Independent mortgage co.	5,144	92%
Towne Mortgage Company	Independent mortgage co.	4,975	96%
Gold Star Mortgage Financial Group, Corporation	Independent mortgage co.	4,966	90%
SWBC Mortgage Corporation	Independent mortgage co.	4,849	93%
EMM Loans LLC	Independent mortgage co.	4,842	94%
Envoy Mortgage, Ltd	Independent mortgage co.	4,659	96%

Banks


Lender	Type	Decisions	Above 50% DTI
JPMorgan Chase Bank, NA	Bank	54,798	13%
US Bank, N.A.	Bank	28,517	22%
Wells Fargo Bank NA	Bank	26,254	19%
Bank of America NA	Bank	23,594	16%
Huntington National Bank	Bank	13,943	12%
USAA Federal Savings Bank	Bank	13,675	0%
Truist Bank	Bank	11,437	4%
Plains Commerce Bank	Bank	10,368	4%
PNC Bank N.A.	Bank	10,262	3%
Ameris Bank	Bank	8,972	17%
Fifth Third Bank, National Association	Bank	8,408	7%
Citibank, NA	Bank	8,371	4%
Flagstar Bank NA	Bank	8,128	1%
Regions Bank	Bank	7,700	2%
Citizens Bank, NA	Bank	7,367	10%
Bell Bank	Bank	7,103	95%
Cadence Bank	Bank	7,022	7%
M&T Bank	Bank	6,565	29%
Ixonia Bank	Bank	6,300	92%
First National Bank of Pa	Bank	6,140	19%
Morgan Stanley Private Bank NA	Bank	5,981	95%
Luminate Bank	Bank	5,821	92%
Cornerstone Capital Bank, SSB	Bank	5,501	99%
Gateway First Bank	Bank	5,179	95%
Arvest Bank	Bank	5,039	79%
Barrington Bank & Trust Company, N.A.	Bank	4,860	17%
Old National Bank	Bank	4,708	4%
NBKC Bank	Bank	4,526	—
Renasant Bank	Bank	4,428	91%
Trustmark Bank	Bank	4,280	91%
First Ciitizens Bank and Trust	Bank	4,160	42%
TD Bank	Bank	4,157	1%
Southstate Bank, National Association	Bank	4,116	4%
First Horizon Bank	Bank	4,067	24%
BMO Harris Bank NA	Bank	3,943	12%
First United Bank and Trust Co	Bank	3,938	90%
Leader Bank NA	Bank	3,740	—
First Federal Bank (FL)	Bank	3,572	88%
Sofi Bank, National Association	Bank	3,558	86%
The Central Trust Bank	Bank	3,366	89%

Credit unions


Lender	Type	Decisions	Above 50% DTI
Navy Federal Credit Union	Credit union	30,927	76%
State Employees’ Credit Union	Credit union	9,718	58%
Lake Michigan Credit Union	Credit union	6,921	69%
Greenstate Credit Union	Credit union	6,748	69%
Pentagon Federal Credit Union	Credit union	3,911	0%
Liberty Federal Credit Union	Credit union	2,890	88%
Idaho Central Credit Union	Credit union	2,626	—
Communityamerica Federal Credit Union	Credit union	2,464	77%
Boeing Employees’ Credit Union	Credit union	2,391	86%
Veridian Credit Union	Credit union	2,349	84%
UW Credit Union	Credit union	1,928	—
Summit Credit Union	Credit union	1,890	87%
Wright Patt Credit Union Inc	Credit union	1,867	—
Royal Credit Union	Credit union	1,766	—
Onpoint Community Credit Union	Credit union	1,752	—
Ent Credit Union (68671)	Credit union	1,744	—
Suncoast Credit Union	Credit union	1,742	93%
Schoolsfirst FCU	Credit union	1,725	97%
Alliant Credit Union	Credit union	1,656	—
Mountain America Federal Credit Union	Credit union	1,474	—
Elevations Credit Union	Credit union	1,408	83%
Eastman Credit Union	Credit union	1,314	8%
Global Federal Credit Union	Credit union	1,238	—
Consumers Credit Union	Credit union	1,153	—
Genisys Credit Union	Credit union	1,142	—
The Golden 1 Credit Union	Credit union	1,138	—
Landmark Credit Union	Credit union	1,110	—
Delta Community Credit Union	Credit union	1,094	—
Midflorida Credit Union	Credit union	1,093	2%
United Federal Credit Union	Credit union	1,032	—

Builder-owned lenders


Lender	Type	Decisions	Above 50% DTI
DHI Mortgage Company, Ltd. builder	Builder-owned	74,818	3%
Lennar Mortgage, LLC builder	Builder-owned	58,132	9%
Pulte Mortgage LLC builder	Builder-owned	20,633	3%
NVR Mortgage Finance, Inc. builder	Builder-owned	19,592	1%
Taylor Morrison Home Funding, Inc. builder	Builder-owned	9,500	3%
KBHS Home Loans, LLC builder	Builder-owned	9,072	4%
M/I Financial. LLC builder	Builder-owned	6,993	95%
Inspire Home Loans Inc. builder	Builder-owned	6,921	9%
First Heritage Mortgage, LLC builder	Builder-owned	6,497	94%
Homeamerican Mortgage Corporation builder	Builder-owned	5,676	8%
Acrisure Mortgage, LLC builder	Builder-owned	5,596	94%
Toll Brothers Mortgage Company builder	Builder-owned	5,427	2%
Jet Homeloans, LP builder	Builder-owned	5,355	92%
Velocio Mortgage, L.L.C. builder	Builder-owned	5,239	98%
K. Hovnanian American Mortgage builder	Builder-owned	4,338	4%
CLM Mortgage, Inc builder	Builder-owned	3,559	95%
Tri Pointe Connect, LLC builder	Builder-owned	2,784	—
Mattamy Home Funding LLC builder	Builder-owned	2,772	12%
Trailblazer Mortgage L.L.C. builder	Builder-owned	1,613	95%
Priority Home Mortgage, L.P. builder	Builder-owned	1,177	—
Shea Mortgage Inc. builder	Builder-owned	1,094	—

All 390 lenders

Questions

Which lenders are listed?

Every lender with at least 1,000 purchase decisions in the 2025 HMDA file: 390 lenders covering the large majority of U.S. purchase lending. Smaller lenders appear on the state pages but do not get a profile.

What is on a lender page?

Approval rate by DTI band for each program, the lender's closed-loan rate versus the market in the same LTV and points cell, its median closing costs, its most common denial reasons, approval by loan-to-value band, and the states where it lends.

Is this a review site?

No. There are no stars, no testimonials and no sponsored placements. Every figure is from the lender's own federal filing, and lenders can request a correction.

About this data

Source and accuracy. Figures are computed from public filings that lenders submit under the Home Mortgage Disclosure Act (HMDA). We do not verify them. Filing, matching and processing errors are possible, and small counts swing easily.
History, not policy. Approval, denial, rate and cost figures describe 2025 outcomes for a mix of applicants we cannot see (credit score is withheld from the public file). A lender’s policy today may differ, and your result will depend on your own file.
Not a rating. This is not a review, ranking of lender quality, or recommendation, and it says nothing about whether any lender complied with fair-lending law. No lender pays for placement or can edit its page. We are not affiliated with or endorsed by any lender, the CFPB, the FFIEC or any government agency.
Spot an error? Send a correction. Material errors are fixed promptly. Full disclaimer · Terms.

Free PDF · 54 pages · every state

Who said yes above 50% DTI: the 2025 lender sheet

2.9 million purchase decisions from 2,523 lenders, ranked by approval rate at 50–60% DTI. One page per state, conventional / FHA / VA. Nobody else publishes it:

The lenders in your state that actually approve high-ratio files, with the decision count behind every percentage
Which ones are lenient everywhere and which only above 50%, so you know who to call first
Builder lenders flagged, so a buydown-fed 95% doesn’t fool you

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