mortgage applications climbed last week from an eight-year low a week earlier, as home loan rates dipped from near 12-month peaks, according to data from the Mortgage Bankers Association on Wednesday. NEW YORK, Aug 6 (Reuters) - Demand for U.S. The ... The loan itself is made by a bank, a savings and loan association, a mortgage company, a credit union, or any other lender. For it to become an FHA mortgage loan, the lender would have to be approved by the Federal Housing Administration.