Iowa’s FHA denial rate in 2025 was 24.9% across 8,262 decisioned applications — ranking #9 of 52 states. Among high-volume lenders, the lowest observed denial rate was Guild Mortgage Company at 2.9%; the highest was Amerisave Mortgage Company at 82.2%. The institutional spread inside Iowa is 28.3×: the same FHA application faces a 2.9% 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 | Iowa FHA apps | Denial rate |
|---|---|---|
| Guild Mortgage Company | 174 | 2.9% |
| Cmg Mortgage Inc | 152 | 7.9% |
| Cardinal Financial Company, Li | 150 | 8.0% |
| Greenstate Credit Union | 311 | 9.3% |
| Guaranteed Rate, Inc. | 143 | 14.7% |
| New American Funding, LLC. | 554 | 15.7% |
| Pennymac Loan Services LLC | 284 | 23.9% |
| United Wholesale Mortgage | 471 | 24.6% |
| Dhi Mortgage Company, Ltd. | 273 | 26.7% |
| Rocket Mortgage | 982 | 32.5% |
| Freedom Mortgage Corporation | 287 | 35.2% |
| Mutual Of Omaha Mortgage | 143 | 43.4% |
| Newrez LLC | 186 | 48.9% |
| Loandepot.Com LLC | 214 | 53.7% |
| Amerisave Mortgage Company | 275 | 82.2% |
Applications under $150K were denied 33.2% of the time versus 20.4% for loans of $250K+ — a 1.6× 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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