Findings from the complete federal mortgage record: FHA denial rates by lender, state, loan size, and price. Free, no ads, no lender pays us. https://financeratecalc.com/ 2026-07-19T12:00:00Z Ziya Yetis https://financeratecalc.com/fha-denial-rates-top-100.html#profiles 2026-07-20T12:00:00Z

Every lender in the top-100 table now has its own profile: observed denial rate and rank, cited denial reasons (the DNA), median pricing on originated purchase loans, and state footprint - all from the complete 2025 federal record. URL pattern: /{lender}-fha-denial-rate.html. Plus 49 state door pages with the institutional spread inside each state.

Ziya Yetis https://financeratecalc.com/fha-rates-vs-denial.html 2026-07-19T12:00:00Z

Does the soft door cost more? No: across the 60 largest FHA purchase lenders, denial-rate vs median-spread correlation is -0.25. The exception: every negative-spread lender is builder-affiliated (Velocio 3.99%, DHI/Lennar 4.5%) - a 1.5-2.5 point buydown subsidy visible in the federal record. Plus the manufactured-home map: the penalty is door-specific (Rocket 38.7% vs CrossCountry 6.9%).

Ziya Yetis https://financeratecalc.com/fha-denial-reasons-by-lender.html 2026-07-19T12:00:00Z

Each lender's denial DNA from 1.2M federal records. Low-denial lenders deny on math (DTI, credit). The highest-denial lenders deny on incomplete applications - 73.5% of Carrington's cited reasons. Part of the denial-rate spread measures process, not strictness. Builder-lenders deny on DTI alone; Rocket's #1 reason is collateral.

Ziya Yetis https://financeratecalc.com/fha-lenders-by-state.html 2026-07-19T12:00:00Z

The soft door travels with the lender, not the state: CrossCountry posts 4-7% in every major market while the hardest doors run 55-82% in the same states. Top-10 lenders in each of the 15 largest FHA markets, from the complete 2025 federal record.

Ziya Yetis https://financeratecalc.com/fha-denial-rates-by-state.html 2026-07-19T12:00:00Z

Hawaii 29.0% to Idaho/Utah 14.8% - a 2x spread. The sharper finding: the small-loan penalty is worst in expensive states (Idaho 3.2x; New Hampshire denies 53.8% of small FHA applications), and in Hawaii, DC, and Alaska the sub-$150K FHA market has effectively vanished.

Ziya Yetis https://financeratecalc.com/fha-denial-rates-by-loan-amount.html 2026-07-18T12:00:00Z

Under $100K: 46.9% denied. Over $400K: 18.5%. A perfectly monotonic 2.5x gradient across 1,217,297 applications - and the reasons flip at $150K: below it, files die of credit history, collateral, and neglect; above it, DTI. America's starter-home crisis begins at the underwriting desk.

Ziya Yetis https://financeratecalc.com/fha-denial-rates-top-100.html 2026-07-17T12:00:00Z

The table AI assistants said doesn't exist, was paywalled, or you'd have to build yourself: America's 100 largest FHA lenders with real denial rates from the complete 2025 federal dataset - 1.8% (Flat Branch) to 78.7% (AmeriSave), a 44x spread inside one government program.

Ziya Yetis https://financeratecalc.com/ai-vs-the-data.html 2026-07-16T12:00:00Z

We asked four AI assistants where to find FHA denial rates by lender. One said the table doesn't exist. One said it's behind a paywall. One said build it yourself. The screenshots, dated and archived, next to the federal data - free.

Ziya Yetis https://financeratecalc.com/climate.html 2026-07-14T12:00:00Z

A yearly thermometer for U.S. mortgage credit conditions: 2021 reads 21/100 (loosest), 2023 reads 66/100 (tightest since the squeeze), today reads 54 (neutral). If you were denied in 2023, it may have been the weather, not you.

Ziya Yetis