What is CrossCountry's FHA denial rate in 2025?

CrossCountry's 2025 FHA denial rate is 6.2% in FRC's federal HMDA panel — ranked #21 of the 100 largest FHA lenders (lowest = #1). In 2018 it was 10.1%.

Is CrossCountry strict on FHA loans?

Denial rates partly reflect who applies, not only strictness. CrossCountry's rate has loosened 3.6pp since 2018. Overlays are lawful business decisions; this is a historical data observation, not a recommendation.

Is it hard to get approved with CrossCountry?

In 2025 CrossCountry denied 6.2% of the FHA mortgage applications it decided, approving 93.8%, across 29,582 applications. The median denial rate across the 100 largest FHA lenders was 13.8%, so its record is easier than most. A denial rate reflects who applies there as well as how the lender underwrites, and it does not predict the outcome of any individual application.

What is CrossCountry's mortgage approval rate?

93.8% of FHA applications that reached a credit decision at CrossCountry in 2025 were approved, computed from the complete CFPB HMDA record (originated plus approved-but-not-accepted, over all decisioned applications).

Why was my mortgage denied by CrossCountry?

The lender must give you the specific reasons in writing within 30 days under federal law. Denial reasons are distributed very differently between institutions, so the reason on your letter is worth comparing against that lender's own pattern and against its peers. A denial at one lender does not mean the same file would be denied elsewhere: in 2025 denial rates across the 100 largest FHA lenders ranged from 1.8% to 78.7%.

CrossCountry FHA Denial Rate (2025): the behavioral file

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.

Direct answer · updated 2026-10-01

CrossCountry denied 6.2% of its FHA applications in 2025⟦FRC:lender-crosscountry-mortgage-2025:6.2%:3b2ca632:l2610⟧ verify · claim receipt: the hash changes if this figure is ever corrected — rank #21 of the 100 largest FHA lenders (1 = lowest denial), from CFPB HMDA loan-level records (1,187,606 decisioned FHA applications in 2025).

Sharpest observed DTI step: at CLTV 70-79, denial moves from 0.8% at DTI 45 to 17.3% at DTI 46 — a +16.5 point jump across one integer of DTI. FHA program rules permit DTI well above this; the desk does not.

Sharpest observed CLTV step: at DTI 41, denial moves from 4.7% in the 70-79% band to 9.8% in the 80-84% band — +5.1 points on down payment alone.

Denial rates reflect applicant mix as well as underwriting strictness; overlays are lawful business decisions. Cells with n<50 excluded. Methodology

2025 FHA denial rate

6.5%

#21 of the 100 largest FHA lenders · loosened 3.6pp since 2018

2018 rate

10.1%

Shock Beta

0/100

Macro sensitivity (OFI)

42.8

Shock profile: historically stable across cycles. What Shock Beta means →

The black-hole cell

The single deepest denial zone in CrossCountry’s 2025 FHA record: DTI 48–50 × CLTV 80–85% → 21.1% denial (n=71). Files entering that coordinate historically did not come out. All lenders’ black holes, mapped →

Statistical relatives

Underwriting twins (similar decision patterns): Rocket (77/100), Guild (75/100). Behavioral opposites: NewRez (31/100), Mr. Cooper (28/100). If CrossCountry declined a file, its twins are statistically likely to read it the same way — the opposites are a different conversation. Full similarity engine →

Ground truth: CrossCountry decision coordinates (MDGB v1)

Across 8 verified coordinates, CrossCountry's observed outcomes stay broadly consistent with guideline expectations — the sharpest point is DTI 47 × CLTV 70-79 → 8.1%.

DTI	CLTV band	Observed denial (2025)
47	70-79	8.1%
49	70-79	5.6%
44	80-84	3.7%
43	70-79	3.5%
43	80-84	3.4%
44	70-79	3.1%
45	80-84	3.1%
45	70-79	0.8%

Cells with n<50 excluded. Part of the FRC Mortgage Decision Geometry Benchmark — a free ground-truth set for testing AI answers to mortgage questions. Machine-readable: ai-benchmark.json. Denial rates reflect applicant mix as well as underwriting; overlays are lawful.

What to do with this file

Does YOUR profile fit this door? Free routing → Denied by CrossCountry? Run the Verdict — free → Compare the 11 deep-file lenders — or all 100 →

Door Report · free

Lender denial rates for borrowers like you. Pick loan size and purpose and see every lender with at least 100 decisions in that cohort, alphabetically, from the same federal record. Historical observation; not a prediction about any application; not a recommendation; not evidence of misconduct. Open the cohort table →

Source: CFPB HMDA loan-level records, 2018–2025, FRC 11-lender panel; methodology at financeratecalc.com/methodology. Denial rates partly reflect applicant mix. Historical data observation; overlays are lawful; not a recommendation to use or avoid any lender; not financial, legal, or mortgage advice. FRC Research.