CFPB HMDA 2024 Edition · FHA Only · 2025 update available →

Which Lender Denies
the Most FHA Applications?

7 years of federal HMDA data reveals dramatic differences in FHA denial rates across major lenders. Same borrower profile. Same federal guidelines. Wildly different outcomes.

⚠️ Educational Tool Only — Data from CFPB HMDA public dataset. Historical patterns only. Not financial advice. Lender policies change frequently — verify current guidelines before submitting.
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Data source: CFPB HMDA Public LAR Dataset 2018–2024. FHA loan type only (loan_type=2). Denial rate = denied applications ÷ (denied + originated). Historical patterns do not predict future lender behavior. Lender policies change frequently. This is educational information only — not financial advice, mortgage advice, or a recommendation to use any specific lender.
The part almost nobody publishes free

Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% — same programme, same year.

And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7× range in expected outcomes.

Which lenders approve most → Your metro → Denied? →

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.

The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.