CrossCountry FHA Denial Rate (2025): the behavioral file
2025 FHA denial rate
6.5%
#1 of 11 major lenders · loosened 3.6pp since 2018
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 →
What to do with this file
Does YOUR profile fit this door? Free routing →
Denied by CrossCountry? Run the Verdict — free →
Compare all 11 lenders in one 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 Intelligence.