Figures on this page were re-read from the data files on 2026-10-01; an earlier version carried values from before the 26 July 2026 universe correction (reverse mortgages removed). Corrections log.
Alaska’s FHA denial rate in 2025 was 18.2% across 1,916 decisioned applications — ranking #43 of 52 states. Among high-volume lenders, the lowest observed denial rate was Newrez LLC at 4.0%; the highest was Rocket Mortgage at 28.4%. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Alaska FHA apps | Denial rate |
|---|---|---|
| Newrez LLC | 175 | 4.0% |
| Residential Mortgage, LLC | 222 | 6.4% |
| Global Federal Credit Union | 178 | 10.1% |
| Rocket Mortgage | 141 | 28.4% |
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
Nobody. No lender pays to appear or improve its position; no ads, no referral fees, no lead sales. FinanceRateCalc is not a lender and does not compete with the institutions it measures. Rates reflect applicant mix and channel as well as underwriting appetite — a high rate is not an accusation, and a low one is not advice. Compare nationally: the top-100 table · the 15-market door map · all 52 states ranked · why each lender says no.
Reading note: lender-level denial rates describe tendencies in the observed record, not rules — individual outcomes vary with each file. Rankings can also shift with denominator choices (which application outcomes are counted); FRC's rule is published in full in the methodology, so every figure here is reproducible from the raw federal file.