Illinois’s FHA denial rate in 2025 was 27.4% across 34,402 decisioned applications — ranking #3 of 52 states. Among high-volume lenders, the lowest observed denial rate was Crosscountry Mortgage, LLC at 8.2%; the highest was Amerisave Mortgage Company at 78.4%. The institutional spread inside Illinois is 9.6×: the same FHA application faces a 8.2% observed denial rate at one high-volume door and 78.4% 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 | Illinois FHA apps | Denial rate |
|---|---|---|
| Crosscountry Mortgage, LLC | 1,173 | 8.2% |
| Guild Mortgage Company | 701 | 10.7% |
| Fairway Independent Mort Corp | 873 | 10.8% |
| Guaranteed Rate, Inc. | 1,423 | 11.6% |
| American Pacific Mortgage Corpor | 556 | 16.0% |
| Freedom Mortgage Corporation | 1,157 | 22.8% |
| Pennymac Loan Services LLC | 1,194 | 23.1% |
| New American Funding, LLC. | 1,327 | 23.7% |
| United Wholesale Mortgage | 2,777 | 25.1% |
| Loandepot.Com LLC | 1,845 | 28.9% |
| Rocket Mortgage | 3,393 | 32.2% |
| Carrington Mortgage Services LLC | 598 | 58.0% |
| Newrez LLC | 830 | 63.5% |
| Lakeview Loan Servicing, LLC | 746 | 65.7% |
| Amerisave Mortgage Company | 1,025 | 78.4% |
Applications under $150K were denied 34.5% of the time versus 23.5% for loans of $250K+ — a 1.5× 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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