Top 100 US Mortgage Lenders — 2025 National Directory & Rankings

National directory and transparency profiles for the 100 largest residential mortgage lenders in the United States, ranked strictly by Action 1 originated loan volume from official 2025 FFIEC Home Mortgage Disclosure Act (HMDA) public records.

Top 100 Mortgage Lenders Nationally by Action 1 Originations

Zero commercial endorsements • Zero lead generation • Zero paid placement. Every lender profile is derived strictly from public Loan Application Register records.

Rank Lender Name Headquarters Actionable Apps Originations (Action 1) Originated Volume Approval Rate Action
#1 United Wholesale Mortgage
LEI: 549300HW662MN1WU8550
 Pontiac, MI 436,098 371,602 $151.71 Billion 87.30% Profile →
#2 ROCKET MORTGAGE
LEI: 549300FGXN1K3HLB1R50
 DETROIT, MI 379,648 292,365 $98.68 Billion 79.71% Profile →
#3 CROSSCOUNTRY MORTGAGE, LLC
LEI: 549300VZVN841I2ILS84
 Cleveland, OH 108,318 103,556 $42.99 Billion 96.63% Profile →
#4 Mortgage Research Center
LEI: 549300DD5QQUHO6PCH70
 Columbia, MO 114,351 81,553 $27.33 Billion 72.25% Profile →
#5 JPMorgan Chase Bank, NA
LEI: 7H6GLXDRUGQFU57RNE97
 Columbus, OH 83,672 71,612 $36.85 Billion 87.63% Profile →
#6 PENNYMAC LOAN SERVICES LLC
LEI: RVDPPPGHCGZ40J4VQ731
 WESTLAKE VILLAGE, CA 89,557 70,863 $29.99 Billion 82.50% Profile →
#7 GUILD MORTGAGE COMPANY
LEI: 549300AQ3T62GXDU7D76
 SAN DIEGO, CA 77,418 69,235 $24.71 Billion 95.96% Profile →
#8 FREEDOM MORTGAGE CORPORATION
LEI: 549300LYRWPSYPK6S325
 BOCA RATON, FL 95,990 69,038 $23.89 Billion 85.46% Profile →
#9 DHI Mortgage Company, LTD.
LEI: 5493001SXWZ4OFP8Z903
 Austin, TX 77,249 63,686 $22.28 Billion 83.40% Profile →
#10 FAIRWAY INDEPENDENT MORT CORP
LEI: 549300MGPZBLQDIL7538
 MADISON, WI 65,422 61,547 $22.52 Billion 94.85% Profile →
#11 loanDepot.com LLC
LEI: 549300AG64NHILB7ZP05
 IRVINE, CA 78,171 59,484 $21.60 Billion 77.54% Profile →
#12 GUARANTEED RATE, INC.
LEI: 549300U3721PJGQZYY68
 CHICAGO, IL 61,271 56,620 $25.65 Billion 93.34% Profile →
#13 CMG MORTGAGE INC
LEI: 549300GKFNPRWNS0GF29
 SAN RAMON, IL 62,464 54,744 $23.34 Billion 96.13% Profile →
#14 Lennar Mortgage, LLC
LEI: 549300H3IZO24NSOO931
 Miami, FL 58,892 48,763 $18.04 Billion 83.23% Profile →
#15 NEWREZ LLC
LEI: 549300FNXYY540N23N64
 FORT WASHINGTON, PA 76,877 48,639 $18.81 Billion 64.60% Profile →
#16 MOVEMENT MORTGAGE, LLC
LEI: 549300DD4R4SYK5RAQ92
 INDIAN LAND, SC 53,992 45,829 $17.88 Billion 96.68% Profile →
#17 NEW AMERICAN FUNDING, LLC.
LEI: 549300E2UX99HKDBR481
 TUSTIN, CA 49,127 42,488 $14.62 Billion 86.77% Profile →
#18 US BANK, N.A.
LEI: 6BYL5QZYBDK8S7L73M02
 CINCINNATI, OH 42,273 36,885 $23.39 Billion 89.12% Profile →
#19 Navy Federal Credit Union
LEI: 5493003GQDUH26DNNH17
 Vienna, VA 43,597 35,341 $13.44 Billion 82.08% Profile →
#20 WELLS FARGO BANK NA
LEI: KB1H1DSPRFMYMCUFXT09
 MINNEAPOLIS, MN 42,712 34,218 $22.59 Billion 80.42% Profile →
#21 UNION HOME MORTGAGE CORP.
LEI: 549300RPOGWJRH63HS39
 STRONGSVILLE, OH 34,168 31,802 $10.55 Billion 94.59% Profile →
#22 Bank of America NA
LEI: B4TYDEB6GKMZO031MB27
 Westlake Village, CA 31,357 26,914 $19.69 Billion 86.10% Profile →
#23 Nationstar Mortgage
LEI: 549300LBCBNR1OT00651
 Coppell, TX 32,229 25,790 $7.73 Billion 82.09% Profile →
#24 21ST MORTGAGE
LEI: 549300XQVJ1XBNFA5536
 KNOXVILLE, TN 99,654 25,757 $3.00 Billion 27.40% Profile →
#25 American Pacific Mortgage Corporation
LEI: 549300KIOYNU323LVJ37
 Roseville, CA 24,109 21,824 $8.05 Billion 90.70% Profile →
#26 Kind Lending, LLC
LEI: 549300MZ8VZJOVC63092
 Irvine, CA 29,272 21,733 $9.22 Billion 75.27% Profile →
#27 PRIMELENDING
LEI: 549300121SF0K2LN2804
 DALLAS, TX 24,053 20,809 $7.66 Billion 94.54% Profile →
#28 The Loan Store, Inc
LEI: 254900DTLHVWQ7NP7R34
 Tucson, AZ 23,865 20,467 $9.07 Billion 94.00% Profile →
#29 PARAMOUNT RESIDENTIAL MORTGAGE
LEI: 254900ZFWS2106HWPH46
 CORONA, CA 20,977 19,999 $8.45 Billion 95.39% Profile →
#30 VANDERBILT MORTGAGE AND FINANCE, INC
LEI: 5493000YNV8IX4VD3X12
 MARYVILLE, TN 67,385 18,828 $4.01 Billion 31.79% Profile →
#31 PROSPERITY HOME MORTGAGE, LLC
LEI: 5493005PKOSG7MYX0B34
 CHANTILLY, VA 20,358 18,735 $7.51 Billion 92.58% Profile →
#32 Huntington National Bank
LEI: 2WHM8VNJH63UN14OL754
 Columbus, OH 20,310 17,733 $6.19 Billion 89.15% Profile →
#33 Pulte Mortgage LLC
LEI: 5493004WMLN60ZJ2ON46
 Denver, CO 20,809 17,559 $7.72 Billion 84.76% Profile →
#34 NFM, INC
LEI: 549300MCIFZSDHUT8X63
 LINTHICUM, MD 17,072 16,586 $6.59 Billion 97.85% Profile →
#35 NVR MORTGAGE FINANCE, INC.
LEI: 549300KBWX4NV5Q1E376
 PITTSBURGH, PA 19,798 15,636 $5.83 Billion 78.98% Profile →
#36 LOWER, LLC
LEI: 549300RN01LBYR8ZVX74
 COLUMBIA, MD 17,990 15,319 $5.33 Billion 86.20% Profile →
#37 Mutual of Omaha Mortgage
LEI: 549300OPCWU6E72WUT29
 Lombard, IL 20,550 15,094 $5.56 Billion 76.87% Profile →
#38 FLAT BRANCH MORTGAGE, INC.
LEI: 549300LXKO1O7CSK5J52
 COLUMBIA, MO 14,717 14,412 $3.55 Billion 98.83% Profile →
#39 TRIAD FINANCIAL SERVICES, INC.
LEI: 549300CB67L6KPJLHE19
 JACKSONVILLE, FL 90,910 14,253 $1.59 Billion 48.28% Profile →
#40 TRUIST BANK
LEI: JJKC32MCHWDI71265Z06
 RALEIGH, NC 15,981 14,165 $6.89 Billion 89.47% Profile →
#41 ARK-LA-TEX FINANCIAL SERVICES LLC
LEI: 5493001GDRY0EL7VG372
 PLANO, TX 14,430 13,786 $4.66 Billion 96.78% Profile →
#42 ZILLOW HOME LOANS, LLC
LEI: 549300370QILXLFUWD20
 Irvine, CA 15,037 13,732 $4.60 Billion 92.71% Profile →
#43 GUARANTEED RATE AFFINITY, LLC
LEI: 54930001NSTOD85LT125
 CHICAGO, IL 14,546 13,671 $6.32 Billion 94.78% Profile →
#44 EVERETT FINANCIAL, INC.
LEI: 549300XWUSRVVOHPRY47
 DALLAS, TX 14,172 12,831 $4.42 Billion 92.22% Profile →
#45 PLANET HOME LENDING, LLC
LEI: 54930021WPEXNHYZUL09
 MERIDEN, CT 15,260 12,547 $4.34 Billion 83.95% Profile →
#46 State Employees' Credit Union
LEI: 549300SHE1JTCOWBP090
 Raleigh, NC 16,346 12,283 $3.63 Billion 76.50% Profile →
#47 Equity Prime Mortgage LLC
LEI: 549300K4ZLGS7SRDTL86
 Atlanta, GA 14,993 11,997 $3.61 Billion 80.52% Profile →
#48 Provident Funding Associates
LEI: 54930043BMDE130FJ617
 Santa Rosa, CA 13,142 11,734 $5.28 Billion 91.17% Profile →
#49 PLAZA HOME MORTGAGE, INC
LEI: 549300JYXTZDSPJEPI44
 SAN DIEGO, CA 17,122 11,725 $3.94 Billion 70.20% Profile →
#50 AMERISAVE MORTGAGE COMPANY
LEI: 549300YIQ7S7Z8PIHE53
 SANDY SPRINGS, GA 51,235 11,669 $2.50 Billion 23.49% Profile →
#51 PNC BANK N.A.
LEI: AD6GFRVSDT01YPT1CS68
 Pittsburgh, PA 13,925 11,655 $5.10 Billion 84.68% Profile →
#52 Citibank, NA
LEI: E57ODZWZ7FF32TWEFA76
 New York, NY 12,927 11,583 $12.79 Billion 91.49% Profile →
#53 Fifth Third Bank, National Association
LEI: QFROUN1UWUYU0DVIWD51
 Cincinnati, OH 13,811 11,374 $4.26 Billion 83.88% Profile →
#54 Lakeview Loan Servicing, LLC
LEI: 549300NOCASXPA34X033
 Coral Gables, FL 44,906 11,276 $4.15 Billion 41.80% Profile →
#55 ATLANTIC BAY MORTGAGE GROUP
LEI: 549300RWXUAFD1WAE410
 VIRGINIA BEACH, VA 11,379 11,047 $3.87 Billion 98.21% Profile →
#56 American Neighborhood Mortgage Acceptance Company
LEI: 549300F8C5JA44WNMI75
 Mt. Laurel, NJ 11,393 10,943 $3.99 Billion 96.91% Profile →
#57 Plains Commerce Bank
LEI: 549300KJ8PAJ7E52HG32
 Hoven, SD 12,036 10,902 $4.27 Billion 90.70% Profile →
#58 USAA FEDERAL SAVINGS BANK
LEI: C5654JQHZUHN0772B561
 SAN ANTONIO, TX 17,145 10,865 $3.90 Billion 64.26% Profile →
#59 Village Capital & Investment
LEI: 549300VCMRO4ST680C11
 Henderson, NV 25,038 10,833 $4.07 Billion 74.47% Profile →
#60 AMERICAN FINANCIAL NETWORK, INC.
LEI: 5493008NWHQT1R22C024
 BREA, CA 12,305 10,574 $4.12 Billion 87.00% Profile →
#61 American Financial Resources LLC
LEI: 5493002B2WMHY23GFK92
 PARSIPPANY, NJ 11,393 10,479 $3.10 Billion 92.50% Profile →
#62 Carrington Mortgage Services LLC
LEI: 549300R9S3MVDV4MGF56
 Orange, CA 30,721 10,334 $3.01 Billion 44.09% Profile →
#63 Ameris Bank
LEI: IUGPUX5LWRZ3B6KIZ697
 Atlanta, GA 11,054 10,303 $4.24 Billion 93.79% Profile →
#64 REGIONS BANK
LEI: EQTWLK1G7ODGC2MGLV11
 BIRMINGHAM, AL 14,432 10,038 $3.57 Billion 77.82% Profile →
#65 OCMBC, INC.
LEI: 549300J7I82PNDVU8H22
 IRVINE, CA 14,229 9,976 $4.66 Billion 87.88% Profile →
#66 CARDINAL FINANCIAL COMPANY, LI
LEI: 549300VORTI31GZTJL53
 CHARLOTTE, NC 12,979 9,916 $3.16 Billion 90.09% Profile →
#67 FIRST COMMUNITY MORTGAGE, INC.
LEI: 549300R0SXC1JU7ZU290
 Murfreesboro, TN 11,369 9,567 $2.95 Billion 93.39% Profile →
#68 CITIZENS BANK, NA
LEI: DRMSV1Q0EKMEXLAU1P80
 PROVIDENCE, RI 11,213 9,546 $6.43 Billion 86.19% Profile →
#69 Ruoff Mortgage Company
LEI: 549300GSCUJKJINRJ980
 Fort Wayne, IN 10,890 9,215 $2.16 Billion 94.82% Profile →
#70 GREENSTATE CREDIT UNION
LEI: 549300W4FT4H1UWPGU95
 NORTH LIBERTY, IA 10,800 8,860 $2.36 Billion 88.84% Profile →
#71 AmeriHome Mortgage Company, LLC
LEI: 254900HA4DQWAE0W3342
 Thousand Oaks, CA 10,380 8,811 $3.13 Billion 87.32% Profile →
#72 M&T BANK
LEI: WWB2V0FCW3A0EE3ZJN75
 BUFFALO, NY 10,144 8,655 $4.22 Billion 86.69% Profile →
#73 A&D MORTGAGE LLC
LEI: 2549005SIVTHG14U2905
 FT. LAUDERDALE, FL 9,582 8,375 $3.85 Billion 88.70% Profile →
#74 NEW DAY FINANCIAL, LLC.
LEI: 549300SUCQ1358EGVE89
 WEST PALM BEACH, FL 19,501 8,362 $2.36 Billion 46.83% Profile →
#75 KBHS HOME LOANS, LLC
LEI: 5493002QI2ILHHZH8D20
 CHICAGO, IL 9,147 8,240 $3.34 Billion 90.67% Profile →
#76 Bell Bank
LEI: 549300WYBPIWKK6SQC06
 Fargo, ND 8,715 8,238 $3.12 Billion 95.16% Profile →
#77 SUN WEST MORTGAGE COMPANY, INC
LEI: 549300SK2GVCQXPD4S58
 CERRITOS, CA 12,450 8,053 $3.14 Billion 84.89% Profile →
#78 T2 FINANCIAL LLC
LEI: 549300GTVXJ2PGXNLM73
 WESTERVILLE, OH 9,237 8,037 $2.77 Billion 93.54% Profile →
#79 TAYLOR MORRISON HOME FUNDING, INC.
LEI: 549300UI36AJZ0WZ4U93
 MAITLAND, FL 9,524 8,033 $3.80 Billion 84.34% Profile →
#80 Lake Michigan Credit Union
LEI: 549300YB1H2FRI6JPM51
 Grand Rapids, MI 8,333 7,963 $3.16 Billion 96.52% Profile →
#81 Click n' Close, Inc.
LEI: 54930049L5WINET09Q97
 ADDISON, TX 8,605 7,796 $2.36 Billion 92.59% Profile →
#82 CANOPY MORTGAGE, LLC
LEI: 549300ZWNETGFXTBBY03
 LINDON, UT 8,063 7,742 $2.81 Billion 97.00% Profile →
#83 Primary Residential Mortgage, INC.
LEI: 54930052M48FOD3CWA54
 Salt Lake City, UT 8,291 7,720 $2.72 Billion 93.11% Profile →
#84 Ixonia Bank
LEI: 549300T9P3WXNMXX0I34
 Ixonia, WI 7,748 7,347 $2.24 Billion 95.74% Profile →
#85 THE FEDERAL SAVINGS BANK
LEI: 549300BX448ALT10FI43
 CHICAGO, IL 9,247 7,237 $2.92 Billion 80.35% Profile →
#86 DAS ACQUISITION COMPANY, LLC
LEI: 549300ZZME37MXI1EF14
 SAINT LOUIS, MO 8,216 7,233 $2.02 Billion 97.04% Profile →
#87 Flagstar Bank NA
LEI: SS1TRMSN6BRNMOREEV51
 Troy, MI 11,044 7,231 $2.82 Billion 66.80% Profile →
#88 Cadence Bank
LEI: Q7C315HKI8VX0SSKBS64
 Tupelo, MS 8,264 7,221 $3.15 Billion 88.27% Profile →
#89 FIRST COLONY MORTGAGE CORPORAT
LEI: 5493003V40VGM7YDFM54
 PLEASANT GROVE, UT 8,595 7,174 $3.02 Billion 95.59% Profile →
#90 TOWNE MORTGAGE COMPANY
LEI: 549300R7HGHP2I754087
 TROY, MI 8,370 7,025 $1.98 Billion 95.62% Profile →
#91 Better Mortgage Corporation
LEI: 549300XY701IELCE5Q08
 New York, NY 10,250 6,894 $3.09 Billion 68.38% Profile →
#92 Luminate Bank
LEI: 549300RFLICNI75BG067
 MINNEAPOLIS, MN 7,222 6,873 $2.73 Billion 96.01% Profile →
#93 Barrington Bank & Trust Company, N.A.
LEI: C398JSK21YCXWM603F55
 Rosemont, IL 7,607 6,853 $2.36 Billion 91.38% Profile →
#94 STOCKTON MORTGAGE CORPORATION
LEI: 549300QR0KFPEDZPEI42
 FRANKFORT, KY 7,726 6,843 $1.81 Billion 89.36% Profile →
#95 M/I FINANCIAL. LLC
LEI: 549300PXL1KA5TOL2O82
 COLUMBUS, OH 7,851 6,771 $2.79 Billion 97.13% Profile →
#96 Synergy One Lending, Inc.
LEI: 2549004FXPNKCLIN8250
 San Diego, CA 7,332 6,753 $2.58 Billion 92.70% Profile →
#97 ARVEST BANK
LEI: COINQMNIM6RBU631DD85
 TULSA, OK 7,428 6,700 $2.19 Billion 91.17% Profile →
#98 First Heritage Mortgage, LLC
LEI: 549300EM8ID8J7F8OM55
 Fairfax, VA 7,008 6,667 $2.84 Billion 95.76% Profile →
#99 FIRST NATIONAL BANK OF PA
LEI: N8T7HW55LK5D2ORCKP39
 PITTSBURGH, PA 7,796 6,618 $3.13 Billion 85.30% Profile →
#100 Morgan Stanley Private Bank NA
LEI: 549300GS0W0TEUQS8571
 Purchase, NY 7,147 6,583 $7.14 Billion 96.96% Profile →

Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.