An FHA borrower was denied
every 2 minutes today.
Some of them never should have been.
Since you opened this page: 0 more denials.
denied since January 1, 2025 · 282/day · 11.7/hour
264,006
Denied since Jan 1, 2025
Source: CFPB HMDA
41,387
Potentially recoverable
with a different lender
Based on historical lender behavior differences
A denial is not always a qualification problem.
Same borrower. Same income. Same credit score.
CrossCountry denies 6.37%. NewRez denies 53.27%.
The difference is not the borrower.
It's the lender.
⚠️ Is Your Score Part of the Problem?
An FHA borrower is denied every 2 minutes. Credit score is the #1 reason.
If your score is below 640, improving it by 40–60 points can cut your denial risk in half — and save $30,000–$60,000 over the life of the loan.
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Source: CFPB HMDA 2025 · 264,006 FHA denials · 1,217,297 decisioned applications · full federal record · 51 jurisdictions
"Potentially recoverable" = estimated files that fall within CrossCountry/Guild approval parameters
Counter runs at the 2025 measured pace (264,006 FHA denials, full-universe CFPB HMDA, state-aggregated) since Jan 1 2025 00:00 UTC · Educational only · Not financial advice
First published 2026-06-09 by FinanceRateCalc · free to reuse with attribution (CC BY 4.0) · license & publication record