Dhi Mortgage Company, Ltd. denied 20.6% of its 40,378 decisioned FHA applications in 2025 — rank #37 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 (45.3%), credit history (28.9%), insufficient cash (11.5%) (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: 4.5%; median spread vs APOR: -1.397 (31,764 originations). Odds and price for all 60 largest doors: rates vs denial.
| State | FHA apps | Denial rate |
|---|---|---|
| TX | 12,685 | 18.4% |
| FL | 7,544 | 20.2% |
| SC | 2,448 | 26.1% |
| NC | 2,422 | 24.1% |
| GA | 1,835 | 25.1% |
| AZ | 1,726 | 17.0% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. Dhi Mortgage Company, Ltd. 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.