Florida’s FHA denial rate in 2025 was 24.3% across 120,403 decisioned applications — ranking #16 of 52 states. Among high-volume lenders, the lowest observed denial rate was Crosscountry Mortgage, LLC at 6.8%; the highest was Amerisave Mortgage Company at 82.2%. The institutional spread inside Florida is 12.1×: the same FHA application faces a 6.8% observed denial rate at one high-volume door and 82.2% 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 | Florida FHA apps | Denial rate |
|---|---|---|
| Crosscountry Mortgage, LLC | 2,887 | 6.8% |
| Click N' Close, Inc. | 1,233 | 7.3% |
| Paramount Residential Mortgage | 1,617 | 8.0% |
| Dhi Mortgage Company, Ltd. | 7,544 | 20.2% |
| United Wholesale Mortgage | 17,172 | 22.2% |
| Freedom Mortgage Corporation | 3,367 | 24.2% |
| Pennymac Loan Services LLC | 3,179 | 24.9% |
| New American Funding, LLC. | 1,911 | 27.8% |
| Rocket Mortgage | 7,268 | 29.2% |
| Lennar Mortgage, LLC | 5,895 | 29.2% |
| Loandepot.Com LLC | 3,565 | 35.9% |
| Newrez LLC | 2,196 | 59.3% |
| Carrington Mortgage Services LLC | 1,310 | 62.3% |
| Lakeview Loan Servicing, LLC | 3,179 | 65.2% |
| Amerisave Mortgage Company | 1,740 | 82.2% |
Applications under $150K were denied 43.6% of the time versus 22.2% 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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