Loan types › FHA-insured
FHA-insured loans
An FHA-insured loan is insured by the Federal Housing Administration, part of the Department of Housing and Urban Development. HMDA loan type code 2.
Originations, 2024 831,797
Share of all originations 13.4%
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
1,440,301applications, 2024
831,797originations
16.7%denials as a share of applicationsall types: 19.5%
13.4%of all originations
National trend, 2018–2024
Share of all originationsDenials ÷ applications
By state, 2024
| State | FHA applications | FHA originations | Share of state originations | Denials ÷ applications |
|---|---|---|---|---|
| Texas | 145,336 | 97,781 | 19.8% | 11.3% |
| Florida | 149,268 | 84,332 | 17.7% | 18.5% |
| California | 103,377 | 58,251 | 11.4% | 16.0% |
| Georgia | 78,449 | 41,707 | 18.3% | 18.5% |
| North Carolina | 53,329 | 30,329 | 11.8% | 16.5% |
| Ohio | 54,908 | 30,249 | 12.3% | 17.6% |
| Arizona | 48,018 | 29,979 | 17.9% | 13.9% |
| Tennessee | 42,969 | 24,837 | 15.5% | 16.1% |
| Pennsylvania | 44,234 | 24,059 | 9.8% | 19.4% |
| Indiana | 41,095 | 23,633 | 14.5% | 17.8% |
| Illinois | 42,762 | 22,255 | 10.7% | 20.3% |
| Virginia | 37,412 | 21,388 | 11.7% | 16.5% |
| South Carolina | 36,160 | 21,091 | 16.5% | 16.4% |
| Michigan | 39,289 | 20,714 | 10.0% | 21.2% |
| Alabama | 32,902 | 18,842 | 18.0% | 16.7% |
| Colorado | 29,741 | 17,596 | 12.3% | 16.3% |
| New Jersey | 34,089 | 17,530 | 11.2% | 17.1% |
| Maryland | 31,278 | 17,074 | 14.6% | 17.6% |
| Missouri | 29,165 | 16,807 | 12.8% | 16.1% |
| New York | 26,213 | 15,521 | 7.4% | 18.6% |
| Washington | 24,974 | 15,181 | 9.9% | 13.9% |
| Kentucky | 22,029 | 12,998 | 14.6% | 16.3% |
| Louisiana | 23,278 | 12,918 | 20.7% | 19.2% |
| Oklahoma | 20,969 | 12,463 | 17.1% | 14.9% |
| Utah | 18,490 | 12,312 | 14.1% | 11.0% |
| Nevada | 19,515 | 12,137 | 18.3% | 13.5% |
| Oregon | 15,163 | 9,284 | 11.9% | 13.1% |
| Mississippi | 16,166 | 9,102 | 18.3% | 18.8% |
| Arkansas | 16,667 | 9,051 | 15.3% | 16.0% |
| Massachusetts | 16,298 | 9,022 | 7.5% | 18.5% |
| Minnesota | 15,259 | 8,884 | 7.9% | 17.2% |
| Wisconsin | 14,158 | 7,633 | 5.6% | 20.5% |
| New Mexico | 11,308 | 6,521 | 17.8% | 15.5% |
| Kansas | 10,423 | 6,098 | 11.3% | 17.8% |
| Connecticut | 11,704 | 6,091 | 9.1% | 20.9% |
| Idaho | 9,340 | 5,992 | 12.5% | 12.8% |
| Puerto Rico | 8,689 | 5,665 | 43.4% | 17.6% |
| Iowa | 9,585 | 5,541 | 8.2% | 18.4% |
| West Virginia | 8,433 | 4,752 | 17.5% | 18.9% |
| Nebraska | 6,742 | 3,995 | 10.4% | 17.6% |
| Delaware | 6,504 | 3,591 | 14.8% | 19.1% |
| Rhode Island | 4,780 | 2,780 | 12.2% | 16.4% |
| Maine | 4,960 | 2,774 | 8.7% | 18.4% |
| New Hampshire | 3,910 | 2,169 | 7.2% | 19.7% |
| South Dakota | 3,252 | 2,064 | 13.0% | 15.6% |
| Montana | 3,504 | 2,029 | 10.4% | 16.6% |
| Wyoming | 3,102 | 1,971 | 17.5% | 14.4% |
| North Dakota | 2,658 | 1,701 | 13.0% | 13.1% |
| Alaska | 2,150 | 1,306 | 12.3% | 16.0% |
| Hawaii | 1,512 | 689 | 4.3% | 23.3% |
| Vermont | 1,158 | 576 | 4.9% | 26.8% |
| District of Columbia | 1,012 | 427 | 5.1% | 27.0% |
Most active FHA lenders, 2024
| # | Lender | FHA applications | FHA originations | Share of lender's originations | FHA denials ÷ applications |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 108,560 | 74,402 | 20.3% | 17.0% |
| 2 | Rocket Mortgage | 101,448 | 66,721 | 18.5% | 26.1% |
| 3 | DHI Mortgage Company, LTD. | 42,452 | 30,128 | 42.6% | 14.0% |
| 4 | Freedom Mortgage Corporation | 55,646 | 23,149 | 40.4% | 13.5% |
| 5 | Crosscountry Mortgage, LLC | 40,681 | 22,994 | 22.6% | 3.3% |
| 6 | Loandepot.com, LLC | 39,982 | 20,996 | 26.4% | 30.9% |
| 7 | Guild Mortgage Company | 25,651 | 17,932 | 23.8% | 5.4% |
| 8 | Fairway Independent Mort Corp | 22,423 | 16,363 | 22.0% | 7.1% |
| 9 | Lennar Mortgage, LLC | 23,295 | 16,085 | 29.0% | 20.2% |
| 10 | Pennymac Loan Services LLC | 35,377 | 15,078 | 22.4% | 15.5% |
| 11 | New American Funding, LLC. | 46,320 | 14,861 | 30.6% | 15.1% |
| 12 | Movement Mortgage, LLC | 16,812 | 11,646 | 19.0% | 5.9% |
| 13 | CMG Mortgage Inc | 16,605 | 11,355 | 19.3% | 5.2% |
| 14 | Mutual of Omaha Mortgage | 18,203 | 9,837 | 49.3% | 24.7% |
| 15 | Newrez LLC | 32,438 | 9,596 | 18.4% | 27.1% |
| 16 | Guaranteed Rate, Inc. | 14,529 | 8,973 | 14.3% | 8.3% |
| 17 | Equity Prime Mortgage LLC | 12,843 | 7,532 | 68.8% | 3.7% |
| 18 | Paramount Residential Mortgage | 10,917 | 7,345 | 37.9% | 3.7% |
| 19 | Finance of America Reverse LLC | 9,825 | 6,920 | 80.1% | 7.8% |
| 20 | Flagstar Bank NA | 11,030 | 6,543 | 22.2% | 26.9% |
| 21 | Cardinal Financial Company, Li | 8,871 | 6,024 | 39.3% | 11.3% |
| 22 | American Pacific Mortgage Corporation | 7,890 | 5,628 | 27.4% | 9.5% |
| 23 | Nationstar Mortgage | 9,993 | 5,517 | 13.2% | 18.6% |
| 24 | Nvr Mortgage Finance, Inc. | 8,179 | 5,340 | 30.8% | 28.5% |
| 25 | Union Home Mortgage Corp. | 7,201 | 5,299 | 19.3% | 6.4% |
| 26 | Carrington Mortgage Services L | 18,927 | 5,215 | 39.6% | 45.3% |
| 27 | Kind Lending, LLC | 7,661 | 4,779 | 25.5% | 24.0% |
| 28 | Ark-La-Tex Financial Services LLC | 6,541 | 4,702 | 29.0% | 4.8% |
| 29 | Primelending | 6,292 | 4,602 | 18.3% | 8.7% |
| 30 | Lower, LLC | 7,964 | 4,550 | 26.1% | 13.2% |
| 31 | Everett Financial, Inc. | 6,075 | 4,437 | 28.7% | 8.7% |
| 32 | American Financial Network, Inc. | 7,615 | 4,388 | 34.9% | 11.7% |
| 33 | NFM, Inc | 5,572 | 4,281 | 24.8% | 3.6% |
| 34 | Plaza Home Mortgage, Inc | 7,621 | 4,261 | 30.3% | 27.0% |
| 35 | Click n' Close, Inc. | 7,715 | 4,070 | 42.4% | 4.3% |
| 36 | Lakeview Loan Servicing, LLC | 17,816 | 3,895 | 37.0% | 45.5% |
| 37 | Kbhs Home Loans, LLC | 5,035 | 3,632 | 35.2% | 7.8% |
| 38 | Plains Commerce Bank | 6,295 | 3,593 | 26.4% | 4.1% |
| 39 | Longbridge Financial, LLC | 5,332 | 3,466 | 90.0% | 12.5% |
| 40 | Prosperity Home Mortgage, LLC | 5,446 | 3,439 | 17.1% | 17.4% |
| 41 | Amerisave Mortgage Company | 29,074 | 3,362 | 20.9% | 73.4% |
| 42 | Flat Branch Mortgage, Inc. | 4,246 | 3,346 | 24.1% | 2.5% |
| 43 | Sun West Mortgage Company, Inc | 7,024 | 3,332 | 50.8% | 18.2% |
| 44 | Inspire Home Loans Inc. | 4,859 | 3,283 | 46.6% | 15.6% |
| 45 | Planet Home Lending, LLC | 4,511 | 3,246 | 31.2% | 22.1% |
| 46 | Village Capital & Investment | 12,654 | 3,243 | 28.1% | 17.0% |
| 47 | Pulte Mortgage LLC | 4,580 | 3,034 | 15.4% | 21.3% |
| 48 | Atlantic Bay Mortgage Group | 3,919 | 3,033 | 22.6% | 2.4% |
| 49 | Stockton Mortgage Corporation | 4,855 | 3,011 | 38.6% | 9.1% |
| 50 | Primary Residential Mortgage, INC. | 4,313 | 2,923 | 27.4% | 8.1% |
Lenders ranked by originations of this type. Lists are by volume only; this site does not rate or recommend lenders.
Questions and answers
How many FHA loans were originated in 2024?
831,797 nationally, 13.4% of all HMDA-reported originations, from 1,440,301 applications.
What is the denial rate for FHA applications?
16.7% of FHA applications were denied in 2024, measured as denials over all applications of that type; the all-type figure on the same basis is 19.5%.
Which lenders originate the most FHA loans?
United Wholesale Mortgage (74,402), Rocket Mortgage (66,721), DHI Mortgage Company, LTD. (30,128), Freedom Mortgage Corporation (23,149), Crosscountry Mortgage, LLC (22,994).
Provenance
Source: HMDA Data Browser aggregations by loan type 2018–2024 and the 2024 public LAR (FFIEC and CFPB, public domain). Built 30 Sep 2026.