FRC Research · 2025 federal record
Oakland-Hayward-Berkeley, CA: 24.5% of FHA applications were denied in 2025.
Of 2,823 FHA applications reaching a credit decision in this metro in 2025, 693 were formally denied.
The doors of Oakland-Hayward-Berkeley, CA
The metro's highest-volume FHA lenders, by observed 2025 denial rate — a 30.1-point spread inside one metro:
| Lender | Decisioned apps (this metro) | Denial rate |
|---|
| United Wholesale Mortgage | 517 | 27.5% |
| ROCKET MORTGAGE | 313 | 27.8% |
| Lakeview Loan Servicing, LLC | 132 | 57.6% |
What to do with this
A metro average is a tendency, not a rule — and the table above shows why: the same city contains very different doors. If you've been denied, decode the reason first, then pick the next door on the record, not on advertising.
Denied? The Denial Map →
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Source: CFPB HMDA 2025 (loan_type 2; decisioned = actions 1,2,3; denial = action 3), processed by FinanceRateCalc. Metro = HMDA derived MSA/MD; name per Census/OMB July 2023 delineation. Lender rows require ≥100 decisioned applications in this metro. Denial rates partly reflect applicant mix; historical observation, not advice; no individual outcome predicted. Free · no ads · no lender pays us · CC BY 4.0.
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