Top 100 Refinance Lenders of 2025
In 2025, 4,506 lenders made 1,042,078 refinance loans worth $499.6 billion, according to Home Mortgage Disclosure Act (HMDA) data. The 10 largest made 28% of them. United Wholesale Mortgage tops this ranking with 111,238 refinance loans ($49.6 billion).
The 100 largest refinance lenders, 2025
Ranked by the number of refinance loans 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 | 111,238 | $49.6B | $446,000 | 10.7% | 14.0% |
| 2 | Freedom Mortgage Corporation | Boca Raton, FL | 38,842 | $14.0B | $360,000 | 3.7% | 5.4% |
| 3 | PennyMac Loan Services LLC | Westlake Village, CA | 26,302 | $10.9B | $414,000 | 2.5% | 13.2% |
| 4 | Citizens Bank, NA | Providence, RI | 23,217 | $7.0B | $302,000 | 2.2% | 26.0% |
| 5 | Bank of America NA | Westlake Village, CA | 18,156 | $9.6B | $527,000 | 1.7% | 32.9% |
| 6 | PNC Bank N.A. | Pittsburgh, PA | 17,069 | $7.4B | $433,000 | 1.6% | 26.7% |
| 7 | Newrez LLC | Fort Washington, PA | 15,278 | $6.5B | $427,000 | 1.5% | 30.5% |
| 8 | Crosscountry Mortgage, LLC | Cleveland, OH | 14,064 | $6.6B | $468,000 | 1.3% | 4.7% |
| 9 | JPMorgan Chase Bank, NA | Columbus, OH | 13,442 | $13.0B | $968,000 | 1.3% | 10.5% |
| 10 | Fifth Third Bank, National Association | Cincinnati, OH | 11,143 | $2.0B | $176,000 | 1.1% | 24.7% |
| 11 | Mortgage Research Center | Columbia, MO | 10,434 | $3.6B | $344,000 | 1.0% | 51.3% |
| 12 | US Bank, N.A. | Cincinnati, OH | 10,268 | $9.2B | $894,000 | 1.0% | 13.3% |
| 13 | Village Capital & Investment | Henderson, NV | 9,864 | $3.7B | $378,000 | 0.9% | 9.3% |
| 14 | Truist Bank | Raleigh, NC | 9,697 | $3.2B | $334,000 | 0.9% | 35.1% |
| 15 | Huntington National Bank | Columbus, OH | 7,857 | $1.8B | $227,000 | 0.8% | 31.7% |
| 16 | Guaranteed Rate, Inc. | Chicago, IL | 7,718 | $4.4B | $572,000 | 0.7% | 7.5% |
| 17 | Nationstar Mortgage | Coppell, TX | 7,629 | $2.7B | $355,000 | 0.7% | 16.8% |
| 18 | loanDepot.com LLC | Irvine, CA | 7,625 | $3.4B | $451,000 | 0.7% | 22.1% |
| 19 | CMG Mortgage Inc | San Ramon, IL | 7,625 | $3.3B | $437,000 | 0.7% | 9.7% |
| 20 | Lakeview Loan Servicing, LLC | Coral Gables, FL | 7,430 | $3.0B | $401,000 | 0.7% | 57.0% |
| 21 | Planet Home Lending, LLC | Meriden, CT | 7,156 | $2.6B | $362,000 | 0.7% | 13.9% |
| 22 | Third Federal Savings and Loan | Cleveland, OH | 7,120 | $1.2B | $175,000 | 0.7% | 33.6% |
| 23 | Guild Mortgage Company | San Diego, CA | 6,973 | $2.8B | $399,000 | 0.7% | 6.5% |
| 24 | Mutual of Omaha Mortgage | Lombard, IL | 6,727 | $2.3B | $344,000 | 0.6% | 14.1% |
| 25 | Kiavi Funding, Inc. | San Francisco, CA | 6,683 | $1.5B | $222,000 | 0.6% | 17.8% |
| 26 | Regions Bank | Birmingham, AL | 6,519 | $2.7B | $411,000 | 0.6% | 34.5% |
| 27 | TD Bank | Mount Laurel, NJ | 6,159 | $2.6B | $422,000 | 0.6% | 27.1% |
| 28 | Union Home Mortgage Corp. | Strongsville, OH | 5,717 | $2.1B | $359,000 | 0.5% | 6.6% |
| 29 | Fairway Independent Mort Corp | Madison, WI | 5,239 | $2.3B | $442,000 | 0.5% | 9.9% |
| 30 | Amerihome Mortgage Company, LLC | Thousand Oaks, CA | 5,093 | $1.8B | $344,000 | 0.5% | 13.0% |
| 31 | America First Federal Credit Union | Riverdale, UT | 5,041 | $797.9M | $158,000 | 0.5% | 18.4% |
| 32 | M&T Bank | Buffalo, NY | 4,964 | $1.6B | $329,000 | 0.5% | 23.1% |
| 33 | Finance of America Reverse LLC | Tulsa, OK | 4,895 | $2.0B | $410,000 | 0.5% | 15.2% |
| 34 | Royal United Mortgage LLC | Indianapolis, IN | 4,790 | $626.4M | $131,000 | 0.5% | 29.3% |
| 35 | Movement Mortgage, LLC | Indian Land, SC | 4,635 | $2.2B | $481,000 | 0.4% | 4.1% |
| 36 | Wells Fargo Bank NA | Minneapolis, MN | 4,586 | $23.2B | $5,058,000 | 0.4% | 20.3% |
| 37 | State Employees' Credit Union | Raleigh, NC | 4,472 | $702.0M | $157,000 | 0.4% | 32.0% |
| 38 | New American Funding, Llc. | Tustin, CA | 4,416 | $1.8B | $400,000 | 0.4% | 21.0% |
| 39 | PHH Mortgage Corporation | West Palm Beach, FL | 3,699 | $1.4B | $389,000 | 0.4% | 18.1% |
| 40 | Longbridge Financial, LLC | Mahwah, NJ | 3,667 | $1.2B | $337,000 | 0.4% | 11.9% |
| 41 | Boeing Employees' Credit Union | Tukwila, WA | 3,584 | $962.8M | $269,000 | 0.3% | 26.2% |
| 42 | First National Bank of Pa | Hermitage, PA | 3,561 | $821.9M | $231,000 | 0.3% | 31.4% |
| 43 | Citibank, NA | New York, NY | 3,528 | $4.9B | $1,398,000 | 0.3% | 7.5% |
| 44 | Lakeview Community Capital | Coral Gables, FL | 3,448 | $1.4B | $399,000 | 0.3% | 1.9% |
| 45 | Summit Credit Union | Cottage Grove, WI | 3,389 | $473.7M | $140,000 | 0.3% | 13.2% |
| 46 | The Loan Store, Inc | Tucson, AZ | 3,213 | $1.4B | $435,000 | 0.3% | 8.3% |
| 47 | Mountain America Federal Credit Union | Sandy, UT | 3,148 | $556.1M | $177,000 | 0.3% | 46.2% |
| 48 | Navy Federal Credit Union | Vienna, VA | 3,142 | $1.2B | $375,000 | 0.3% | 38.2% |
| 49 | First Ciitizens Bank and Trust | Raleigh, NC | 2,995 | $1.1B | $360,000 | 0.3% | 25.0% |
| 50 | Provident Funding Associates | Santa Rosa, CA | 2,852 | $1.4B | $474,000 | 0.3% | 9.4% |
| 51 | Uw Credit Union | Madison, WI | 2,852 | $539.8M | $189,000 | 0.3% | 16.7% |
| 52 | Desert Financial Credit Union | Phoenix, AZ | 2,716 | $452.1M | $166,000 | 0.3% | 24.1% |
| 53 | Cadence Bank | Tupelo, MS | 2,640 | $577.8M | $219,000 | 0.3% | 21.1% |
| 54 | Sage Home Loans Corporation | Fort Mill, SC | 2,529 | $1.3B | $506,000 | 0.2% | 10.4% |
| 55 | Loanunited.Com, LLC | Duluth, GA | 2,486 | $950.6M | $382,000 | 0.2% | 20.0% |
| 56 | Pentagon Federal Credit Union | Omaha, NE | 2,463 | $654.9M | $266,000 | 0.2% | 42.6% |
| 57 | Zions Bancorporation, N.A. | Denver, CO | 2,355 | $1.1B | $474,000 | 0.2% | 25.7% |
| 58 | Ent Credit Union (68671) | Colorado Springs, CO | 2,299 | $462.3M | $201,000 | 0.2% | 18.5% |
| 59 | Old National Bank | Evansville, IN | 2,276 | $1.0B | $442,000 | 0.2% | 21.3% |
| 60 | New Day Financial, Llc. | West Palm Beach, FL | 2,235 | $615.0M | $275,000 | 0.2% | 8.7% |
| 61 | Greenstate Credit Union | North Liberty, IA | 2,220 | $550.9M | $248,000 | 0.2% | 8.4% |
| 62 | Sun West Mortgage Company, Inc | Cerritos, CA | 2,171 | $971.9M | $448,000 | 0.2% | 8.9% |
| 63 | Kind Lending, LLC | Irvine, CA | 2,132 | $1.0B | $479,000 | 0.2% | 36.3% |
| 64 | Paramount Residential Mortgage | Corona, CA | 2,121 | $1.1B | $502,000 | 0.2% | 3.3% |
| 65 | Prosperity Home Mortgage, LLC | Chantilly, VA | 2,108 | $866.2M | $411,000 | 0.2% | 14.3% |
| 66 | Lake Michigan Credit Union | Grand Rapids, MI | 2,099 | $490.1M | $233,000 | 0.2% | 7.7% |
| 67 | Lendage, LLC dba Achieve Loans | San Mateo, CA | 2,084 | $219.6M | $105,000 | 0.2% | 9.3% |
| 68 | Discover Bank | Greenwood, DE | 2,042 | $253.3M | $124,000 | 0.2% | 74.9% |
| 69 | Onpoint Community Credit Union | Portland, OR | 1,988 | $401.9M | $202,000 | 0.2% | 14.8% |
| 70 | Renasant Bank | Johns Creek, GA | 1,930 | $538.4M | $279,000 | 0.2% | 9.4% |
| 71 | Ocmbc, Inc. | Irvine, CA | 1,882 | $911.5M | $484,000 | 0.2% | 12.9% |
| 72 | Fourleaf Federal Credit Union | Bethpage, NY | 1,879 | $711.1M | $378,000 | 0.2% | 45.4% |
| 73 | Arvest Bank | Tulsa, OK | 1,871 | $462.0M | $247,000 | 0.2% | 19.6% |
| 74 | NBKC Bank | Kansas City, MO | 1,835 | $865.0M | $471,000 | 0.2% | 22.4% |
| 75 | A&D Mortgage LLC | Ft. Lauderdale, FL | 1,804 | $869.2M | $482,000 | 0.2% | 14.8% |
| 76 | American Pacific Mortgage Corporation | Roseville, CA | 1,754 | $777.1M | $443,000 | 0.2% | 19.6% |
| 77 | Members 1st FCU | Enola, PA | 1,751 | $278.3M | $159,000 | 0.2% | 26.5% |
| 78 | United Community Bank | Greenville, SC | 1,712 | $482.1M | $282,000 | 0.2% | 25.1% |
| 79 | Spring Eq, LLC | Conshohocken, PA | 1,660 | $262.2M | $158,000 | 0.2% | 54.6% |
| 80 | Lower, LLC | Columbia, MD | 1,656 | $642.1M | $388,000 | 0.2% | 21.6% |
| 81 | Homebridge Financial Services, Inc | Iselin, NJ | 1,591 | $658.1M | $414,000 | 0.2% | 38.2% |
| 82 | Union Savings Bank | Cincinnati, OH | 1,582 | $461.7M | $292,000 | 0.2% | 5.3% |
| 83 | Community Bank of Mississippi | Flowood, MS | 1,561 | $252.2M | $162,000 | 0.1% | 6.8% |
| 84 | Barrington Bank & Trust Company, N.A. | Barrington, IL | 1,536 | $570.4M | $371,000 | 0.1% | 4.9% |
| 85 | First Horizon Bank | Memphis, TN | 1,517 | $534.8M | $353,000 | 0.1% | 25.7% |
| 86 | Carrington Mortgage Services LLC | Orange, CA | 1,516 | $586.4M | $387,000 | 0.1% | 58.9% |
| 87 | Alliant Credit Union | Chicago, IL | 1,461 | $538.5M | $369,000 | 0.1% | 29.4% |
| 88 | Dollar Bank, FSB | Pittsburgh, PA | 1,457 | $331.0M | $227,000 | 0.1% | 20.8% |
| 89 | Consumers Credit Union | Kalamazoo, MI | 1,450 | $165.5M | $114,000 | 0.1% | 19.4% |
| 90 | South River Mortgage, LLC | Annapolis, MD | 1,441 | $274.5M | $191,000 | 0.1% | 4.1% |
| 91 | Primelending | Dallas, TX | 1,427 | $629.4M | $441,000 | 0.1% | 16.0% |
| 92 | Clearpath Lending | Irvine, CA | 1,415 | $474.9M | $336,000 | 0.1% | 10.0% |
| 93 | Trustmark Bank | Jackson, MS | 1,395 | $193.5M | $139,000 | 0.1% | 14.7% |
| 94 | NFM, Inc | Linthicum, MD | 1,391 | $586.8M | $422,000 | 0.1% | 2.4% |
| 95 | First Merchants Bank | Muncie, IN | 1,375 | $382.4M | $278,000 | 0.1% | 21.4% |
| 96 | Better Mortgage Corporation | New York, NY | 1,373 | $658.2M | $479,000 | 0.1% | 36.6% |
| 97 | Milend, Inc | Alpharetta, GA | 1,372 | $377.3M | $275,000 | 0.1% | 34.3% |
| 98 | Associated Bank NA | Green Bay, WI | 1,367 | $354.4M | $259,000 | 0.1% | 25.7% |
| 99 | Bell Bank | Fargo, ND | 1,322 | $517.8M | $392,000 | 0.1% | 11.9% |
| 100 | Eastern Bank | Boston, MA | 1,315 | $441.8M | $336,000 | 0.1% | 27.4% |
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 1,042,078 refinance loans 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 Mortgage lenders of 2025
- Top Home Purchase 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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