Click N' Close, Inc. denied 9.2% of its 5,630 decisioned FHA applications in 2025 — rank #68 of the 100 largest FHA lenders, below the national rate of 21.7%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.
Top cited reasons on denied files in 2025: debt-to-income (41.6%), credit history (16.4%), employment history (9.4%) (shares of all cited reasons; a denied file may cite several). Reason codes record outcomes, not causes — context: the reason fingerprint.
Median rate on originated FHA purchase loans in 2025: 6.75%; median spread vs APOR: 1.79 (4,646 originations). Odds and price for all 60 largest doors: rates vs denial.
| State | FHA apps | Denial rate |
|---|---|---|
| FL | 1,233 | 7.3% |
| AZ | 589 | 7.1% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. Click N' Close, Inc. did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.