Massachusetts’s FHA denial rate in 2025 was 22.3% across 13,220 decisioned applications — ranking #25 of 52 states. Among high-volume lenders, the lowest observed denial rate was Total Mortgage Services, LLC at 6.9%; the highest was Amerisave Mortgage Company at 73.4%. The institutional spread inside Massachusetts 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 | Massachusetts FHA apps | Denial rate |
|---|---|---|
| Total Mortgage Services, LLC | 349 | 6.9% |
| Crosscountry Mortgage, LLC | 469 | 7.9% |
| Guild Mortgage Company | 475 | 8.2% |
| Cmg Mortgage Inc | 479 | 10.4% |
| Guaranteed Rate, Inc. | 501 | 14.2% |
| United Wholesale Mortgage | 1,443 | 20.0% |
| Freedom Mortgage Corporation | 689 | 20.3% |
| Pennymac Loan Services LLC | 404 | 25.7% |
| Loandepot.Com LLC | 453 | 26.3% |
| Rocket Mortgage | 953 | 27.7% |
| Mutual Of Omaha Mortgage | 378 | 28.6% |
| New American Funding, LLC. | 437 | 28.8% |
| Lakeview Loan Servicing, LLC | 425 | 46.4% |
| Newrez LLC | 413 | 61.0% |
| Amerisave Mortgage Company | 289 | 73.4% |
Applications under $150K were denied 52.8% of the time versus 20.3% for loans of $250K+ — a 2.6× 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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