Connecticut’s FHA denial rate in 2025 was 26.2% across 9,718 decisioned applications — ranking #7 of 52 states. Among high-volume lenders, the lowest observed denial rate was First World Mortgage Corporaton at 6.9%; the highest was Amerisave Mortgage Company at 73.4%. The institutional spread inside Connecticut is 10.6×: the same FHA application faces a 6.9% observed denial rate at one high-volume door and 73.4% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Connecticut FHA apps | Denial rate |
|---|---|---|
| First World Mortgage Corporaton | 334 | 6.9% |
| Crosscountry Mortgage, LLC | 208 | 8.7% |
| Total Mortgage Services, LLC | 500 | 9.0% |
| Cmg Mortgage Inc | 342 | 12.6% |
| Freedom Mortgage Corporation | 488 | 22.7% |
| United Wholesale Mortgage | 955 | 25.2% |
| Pennymac Loan Services LLC | 290 | 26.2% |
| Rocket Mortgage | 776 | 28.4% |
| Mutual Of Omaha Mortgage | 251 | 32.3% |
| Loandepot.Com LLC | 254 | 36.2% |
| New American Funding, LLC. | 283 | 42.4% |
| Lakeview Loan Servicing, LLC | 266 | 57.5% |
| Newrez LLC | 316 | 60.1% |
| Carrington Mortgage Services LLC | 329 | 60.2% |
| Amerisave Mortgage Company | 214 | 73.4% |
Applications under $150K were denied 46.8% of the time versus 22.9% for loans of $250K+ — a 2.0× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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