Top 100 Mortgage Lenders of 2025
In 2025, 4,758 lenders made 6,827,891 mortgages worth $2.41 trillion, according to Home Mortgage Disclosure Act (HMDA) data. The 10 largest made 18% of them. United Wholesale Mortgage tops this ranking with 422,120 mortgages ($164.3 billion).
The 100 largest mortgage lenders, 2025
Ranked by the number of mortgages each lender made (originated) in 2025, nationwide. Click a column to re-sort, for example by loan volume; click a lender for its full HMDA history.
| # | Lender | Based in | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | Plymouth, MI | 422,120 | $164.3B | $389,000 | 6.2% | 13.9% |
| 2 | Crosscountry Mortgage, LLC | Cleveland, OH | 125,099 | $49.1B | $393,000 | 1.8% | 5.7% |
| 3 | PennyMac Loan Services LLC | Westlake Village, CA | 100,816 | $35.4B | $351,000 | 1.5% | 18.5% |
| 4 | JPMorgan Chase Bank, NA | Columbus, OH | 94,243 | $66.3B | $703,000 | 1.4% | 14.1% |
| 5 | loanDepot.com LLC | Irvine, CA | 91,730 | $25.7B | $280,000 | 1.3% | 26.7% |
| 6 | Bank of America NA | Westlake Village, CA | 88,530 | $37.3B | $421,000 | 1.3% | 44.7% |
| 7 | Guild Mortgage Company | San Diego, CA | 86,111 | $26.9B | $312,000 | 1.3% | 4.7% |
| 8 | Mortgage Research Center | Columbia, MO | 82,764 | $27.5B | $332,000 | 1.2% | 28.1% |
| 9 | Navy Federal Credit Union | Vienna, VA | 80,547 | $18.5B | $230,000 | 1.2% | 32.9% |
| 10 | US Bank, N.A. | Cincinnati, OH | 74,635 | $33.0B | $442,000 | 1.1% | 39.5% |
| 11 | Fairway Independent Mort Corp | Madison, WI | 74,450 | $24.5B | $330,000 | 1.1% | 6.1% |
| 12 | Guaranteed Rate, Inc. | Chicago, IL | 70,579 | $29.2B | $414,000 | 1.0% | 9.1% |
| 13 | CMG Mortgage Inc | San Ramon, IL | 70,353 | $27.6B | $392,000 | 1.0% | 5.6% |
| 14 | Freedom Mortgage Corporation | Boca Raton, FL | 69,982 | $24.1B | $345,000 | 1.0% | 14.6% |
| 15 | DHI Mortgage Company, Ltd. | Austin, TX | 69,159 | $23.4B | $339,000 | 1.0% | 16.4% |
| 16 | Citizens Bank, NA | Providence, RI | 68,902 | $21.0B | $304,000 | 1.0% | 32.5% |
| 17 | Newrez LLC | Fort Washington, PA | 66,567 | $22.0B | $330,000 | 1.0% | 35.0% |
| 18 | PNC Bank N.A. | Pittsburgh, PA | 61,280 | $18.9B | $308,000 | 0.9% | 33.8% |
| 19 | Movement Mortgage, LLC | Indian Land, SC | 57,781 | $19.9B | $344,000 | 0.8% | 4.8% |
| 20 | New American Funding, Llc. | Tustin, CA | 57,460 | $16.5B | $288,000 | 0.8% | 17.9% |
| 21 | Lennar Mortgage, LLC | Miami, FL | 56,951 | $19.9B | $350,000 | 0.8% | 16.3% |
| 22 | Nationstar Mortgage | Coppell, TX | 52,217 | $10.0B | $191,000 | 0.8% | 18.8% |
| 23 | Huntington National Bank | Columbus, OH | 51,203 | $11.6B | $227,000 | 0.7% | 31.6% |
| 24 | Wells Fargo Bank NA | Minneapolis, MN | 41,562 | $48.2B | $1,160,000 | 0.6% | 22.2% |
| 25 | Truist Bank | Raleigh, NC | 41,059 | $14.1B | $344,000 | 0.6% | 40.8% |
| 26 | The Loan Store, Inc | Tucson, AZ | 40,038 | $14.3B | $358,000 | 0.6% | 12.2% |
| 27 | Fifth Third Bank, National Association | Cincinnati, OH | 39,534 | $8.0B | $202,000 | 0.6% | 34.0% |
| 28 | Union Home Mortgage Corp. | Strongsville, OH | 37,767 | $11.4B | $303,000 | 0.6% | 6.7% |
| 29 | Figure Lending LLC | San Francisco, CA | 33,415 | $2.9B | $88,000 | 0.5% | 29.1% |
| 30 | Spring Eq, LLC | Conshohocken, PA | 32,174 | $3.5B | $108,000 | 0.5% | 61.8% |
| 31 | Regions Bank | Birmingham, AL | 30,269 | $8.0B | $263,000 | 0.4% | 43.1% |
| 32 | Kind Lending, LLC | Irvine, CA | 29,401 | $11.2B | $381,000 | 0.4% | 27.2% |
| 33 | State Employees' Credit Union | Raleigh, NC | 28,397 | $5.5B | $195,000 | 0.4% | 30.1% |
| 34 | 21st Mortgage | Knoxville, TN | 28,058 | $3.3B | $118,000 | 0.4% | 71.8% |
| 35 | Kiavi Funding, Inc. | San Francisco, CA | 25,528 | $7.8B | $305,000 | 0.4% | 11.1% |
| 36 | American Pacific Mortgage Corporation | Roseville, CA | 24,783 | $8.7B | $350,000 | 0.4% | 10.3% |
| 37 | Primelending | Dallas, TX | 24,706 | $8.2B | $330,000 | 0.4% | 6.4% |
| 38 | Amerisave Mortgage Company | Sandy Springs, GA | 24,298 | $3.5B | $145,000 | 0.4% | 70.0% |
| 39 | Mutual of Omaha Mortgage | Lombard, IL | 24,192 | $7.8B | $323,000 | 0.4% | 22.6% |
| 40 | TD Bank | Mount Laurel, NJ | 23,499 | $8.9B | $380,000 | 0.3% | 35.3% |
| 41 | M&T Bank | Buffalo, NY | 23,446 | $7.4B | $315,000 | 0.3% | 32.9% |
| 42 | Paramount Residential Mortgage | Corona, CA | 23,410 | $9.2B | $392,000 | 0.3% | 5.0% |
| 43 | Third Federal Savings and Loan | Cleveland, OH | 21,298 | $3.4B | $160,000 | 0.3% | 35.5% |
| 44 | Coastal Community Bank | Everett, WA | 21,244 | $1.5B | $72,000 | 0.3% | 3.0% |
| 45 | Prosperity Home Mortgage, LLC | Chantilly, VA | 20,869 | $8.0B | $385,000 | 0.3% | 7.8% |
| 46 | Vanderbilt Mortgage and Finance, Inc | Maryville, TN | 19,996 | $4.3B | $217,000 | 0.3% | 67.8% |
| 47 | NFM, Inc | Linthicum, MD | 18,920 | $7.3B | $384,000 | 0.3% | 2.3% |
| 48 | Pulte Mortgage LLC | Denver, CO | 18,825 | $8.1B | $433,000 | 0.3% | 15.3% |
| 49 | Lower, LLC | Columbia, MD | 17,905 | $5.8B | $322,000 | 0.3% | 13.9% |
| 50 | Homebridge Financial Services, Inc | Iselin, NJ | 17,312 | $4.0B | $231,000 | 0.3% | 18.5% |
| 51 | BMO Harris Bank NA | Chicago, IL | 16,529 | $6.7B | $406,000 | 0.2% | 40.5% |
| 52 | Lakeview Loan Servicing, LLC | Coral Gables, FL | 16,407 | $4.6B | $278,000 | 0.2% | 59.1% |
| 53 | NVR Mortgage Finance, Inc. | Pittsburgh, PA | 16,403 | $6.0B | $368,000 | 0.2% | 20.7% |
| 54 | Ocmbc, Inc. | Irvine, CA | 16,337 | $6.8B | $416,000 | 0.2% | 12.6% |
| 55 | Everett Financial, Inc. | Dallas, TX | 16,190 | $4.9B | $302,000 | 0.2% | 8.9% |
| 56 | Sofi Bank, National Association | Frisco, TX | 16,189 | $3.5B | $214,000 | 0.2% | 23.4% |
| 57 | Guaranteed Rate Affinity, LLC | Chicago, IL | 15,936 | $7.0B | $438,000 | 0.2% | 6.8% |
| 58 | Citibank, NA | New York, NY | 15,812 | $18.2B | $1,150,000 | 0.2% | 24.0% |
| 59 | First National Bank of Pa | Hermitage, PA | 15,800 | $4.7B | $300,000 | 0.2% | 26.6% |
| 60 | Greenstate Credit Union | North Liberty, IA | 15,699 | $3.1B | $196,000 | 0.2% | 10.1% |
| 61 | Ark-La-Tex Financial Services LLC | Plano, TX | 15,382 | $4.9B | $321,000 | 0.2% | 3.3% |
| 62 | Flat Branch Mortgage, Inc. | Columbia, MO | 15,375 | $3.7B | $241,000 | 0.2% | 1.2% |
| 63 | America First Federal Credit Union | Riverdale, UT | 15,271 | $2.1B | $139,000 | 0.2% | 22.5% |
| 64 | Carrington Mortgage Services LLC | Orange, CA | 15,089 | $3.6B | $238,000 | 0.2% | 54.2% |
| 65 | A&D Mortgage LLC | Ft. Lauderdale, FL | 14,692 | $5.9B | $399,000 | 0.2% | 13.1% |
| 66 | Plaza Home Mortgage, Inc | San Diego, CA | 14,594 | $4.6B | $315,000 | 0.2% | 30.7% |
| 67 | Triad Financial Services, Inc. | Jacksonville, FL | 14,580 | $1.6B | $112,000 | 0.2% | 51.5% |
| 68 | Better Mortgage Corporation | New York, NY | 14,567 | $4.4B | $305,000 | 0.2% | 45.1% |
| 69 | Planet Home Lending, LLC | Meriden, CT | 14,469 | $4.6B | $316,000 | 0.2% | 17.5% |
| 70 | First Ciitizens Bank and Trust | Raleigh, NC | 14,381 | $5.0B | $349,000 | 0.2% | 22.5% |
| 71 | Zillow Home Loans, LLC | Irvine, CA | 14,357 | $4.8B | $331,000 | 0.2% | 7.4% |
| 72 | Boeing Employees' Credit Union | Tukwila, WA | 14,331 | $3.9B | $269,000 | 0.2% | 26.5% |
| 73 | Lake Michigan Credit Union | Grand Rapids, MI | 14,279 | $4.2B | $292,000 | 0.2% | 7.3% |
| 74 | Schoolsfirst FCU | Tustin, CA | 14,224 | $3.4B | $241,000 | 0.2% | 11.7% |
| 75 | Cadence Bank | Tupelo, MS | 14,010 | $4.4B | $315,000 | 0.2% | 19.7% |
| 76 | Arvest Bank | Tulsa, OK | 13,366 | $3.4B | $251,000 | 0.2% | 18.5% |
| 77 | Ameris Bank | Atlanta, GA | 13,184 | $4.9B | $373,000 | 0.2% | 10.5% |
| 78 | American Financial Network, Inc. | Brea, CA | 13,125 | $4.9B | $373,000 | 0.2% | 15.5% |
| 79 | Atlantic Bay Mortgage Group | Virginia Beach, VA | 13,073 | $4.1B | $312,000 | 0.2% | 1.9% |
| 80 | Cardinal Financial Company, Li | Charlotte, NC | 12,657 | $3.4B | $272,000 | 0.2% | 10.8% |
| 81 | Plains Commerce Bank | Hoven, SD | 12,504 | $4.5B | $356,000 | 0.2% | 10.0% |
| 82 | American Neighborhood Mortgage Acceptance Company | Mt. Laurel, NJ | 12,172 | $4.3B | $351,000 | 0.2% | 3.4% |
| 83 | Provident Funding Associates | Santa Rosa, CA | 12,170 | $5.4B | $444,000 | 0.2% | 9.4% |
| 84 | Amwest Funding Corp | Brea, CA | 12,091 | $5.0B | $417,000 | 0.2% | 8.2% |
| 85 | Equity Prime Mortgage LLC | Atlanta, GA | 12,087 | $3.6B | $300,000 | 0.2% | 19.5% |
| 86 | USAA Federal Savings Bank | San Antonio, TX | 11,693 | $4.1B | $349,000 | 0.2% | 37.2% |
| 87 | Bell Bank | Fargo, ND | 11,534 | $3.9B | $340,000 | 0.2% | 7.1% |
| 88 | American Financial Resources LLC | Parsippany, NJ | 11,444 | $3.4B | $300,000 | 0.2% | 7.3% |
| 89 | Summit Credit Union | Cottage Grove, WI | 11,414 | $1.9B | $169,000 | 0.2% | 15.0% |
| 90 | Pentagon Federal Credit Union | Omaha, NE | 11,278 | $2.7B | $241,000 | 0.2% | 45.9% |
| 91 | Champions Funding, LLC | Gilbert, AZ | 11,067 | $4.7B | $423,000 | 0.2% | 26.5% |
| 92 | Old National Bank | Evansville, IN | 10,956 | $4.1B | $370,000 | 0.2% | 22.1% |
| 93 | Lendage, LLC dba Achieve Loans | San Mateo, CA | 10,890 | $793.8M | $73,000 | 0.2% | 14.7% |
| 94 | Village Capital & Investment | Henderson, NV | 10,858 | $4.1B | $375,000 | 0.2% | 25.5% |
| 95 | Morgan Stanley Private Bank NA | Purchase, NY | 10,740 | $11.8B | $1,100,000 | 0.2% | 4.9% |
| 96 | Click N' Close, Inc. | Addison, TX | 10,736 | $2.4B | $228,000 | 0.2% | 7.2% |
| 97 | Idaho Central Credit Union | Chubbuck, ID | 10,608 | $2.7B | $251,000 | 0.2% | 17.8% |
| 98 | Desert Financial Credit Union | Phoenix, AZ | 10,566 | $1.5B | $142,000 | 0.2% | 26.1% |
| 99 | First Community Mortgage, Inc. | Murfreesboro, TN | 10,308 | $3.2B | $308,000 | 0.2% | 7.1% |
| 100 | Southstate Bank, National Association | Winter Haven, FL | 9,967 | $3.9B | $393,000 | 0.1% | 23.3% |
Get the numbers for every lender, not just the top 100
The U.S. mortgage lender list has all 17,667 lenders that have reported HMDA data since 2003, with addresses, phone numbers and each lender's applications and dollar volume every year through 2025. The 2025 detail file breaks every lender's business down by loan type (conventional, FHA, VA, USDA), loan purpose, outcome and denial reason. Excel or CSV: $498 for 2025, $998 for 2003–2025.
See what's in the U.S. lender list Lender lists by stateHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans a lender bought from other lenders are not counted, so each loan counts once, for the lender that made it.
- Market share is the lender's share of all 6,827,891 mortgages made in the U.S. in 2025.
- Denial rate is applications the lender denied, divided by applications it approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out of the ranking.
More lender rankings
- Top Home Purchase lenders of 2025
- Top Refinance lenders of 2025
- Top Cash-Out Refinance lenders of 2025
- Top FHA lenders of 2025
- Top VA lenders of 2025
- Top USDA lenders of 2025
Top mortgage lenders by state
The lenders that made the most home loans in each state, with the top FHA, VA, purchase and refinance lenders there:
Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
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